Legal notices

General information only

Website content is provided for information and education only. It is not, by itself, a personalized recommendation, tax, legal or accounting advice, an offer to buy or sell a financial product, or a guarantee of outcome.

Professional affiliation

Regulated services are offered only by persons and entities properly authorized for the relevant service and in jurisdictions where they are permitted to operate.

Savings and investment — MICA

Depending on the service and the representative’s registrations, certain savings and investment activities may be carried out through MICA Capital inc. MICA Capital inc. acts, among other things, as a mutual fund and exempt market dealer; mutual funds are distributed through MICA Capital inc. where applicable. This disclosure does not mean that every member of the Saad & Alarie team personally holds every MICA registration.

MICA Cabinets de services financiers ↗

Tax, legal and accounting matters

Tax, legal and accounting topics on this site are discussed in general terms. Any implementation should be validated, where appropriate, with the accountant, tax specialist, lawyer, notary or other professional suited to your circumstances.

Protection & Wealth Assessment

The Assessment produces educational estimates from the information provided. It does not replace a complete needs analysis, eligibility assessment, insurer illustration or personalized recommendation. Actual amounts, costs, terms and availability may differ.

Accuracy and updates

We aim to keep information useful and current, but laws, tax rules, products, professional registrations and market conditions can change. Validation should be completed at the time of a recommendation or transaction.

Privacy and complaints

See the compliance pages for information about personal-information protection and the complaint-handling process.