Symposium 2023 Program

PROGRAM

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Symposium 2023 features industry leaders from the insurance and investment sectors as well as prominent representatives from regulatory organizations.

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AGENDA 8:00 a.m.

Registration and Breakfast 8:50 a.m.

Welcome Kelly Gustafson

Director at Large, Advocis

8:55 a.m.

Advocis State of The Union Speaker: Harris Jones CPA, CA, CFP, CLU, CH.F.C., TEP

Interim CEO, Advocis

9:00 a.m.

Takes Two to Tango: What’s Yours is Mine?

Speakers: Jean-Paul Bureaud

Executive Director, FAIR Canada

Andrew Kriegler

President and CEO, Canadian Investment Regulatory Organization

Anthony Giglio

President and CEO, Quadrus Investment Services

Moderator: Ellen Bessner

Babin Bessner Spry

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AGENDA 10:00 a.m.

Smooth Operator: The Compliant Advisor Speakers: Monica Hovsepian

Head of Financial Services Industry, OpenText and Member of Forbes Financial Council

Nataša Milojević

Vice-President, Business Governance and Controls, Sun Life Financial

Jill McCutcheon

Partner, Torys LLP

Moderator: Jack Mazakian

Vice-President, Advocis Broker Services

11:00 a.m.

Coffee/Networking Break 11:20 a.m.

The New Professionalism – It May Not Be What You Think Keynote Speaker: Jim Ruta BA, RHU, EPC

President, Advisorcraft Media

Moderator: Ali Ghiassi

Vice-President of Industry Affairs and Government Relations at Canada Life

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AGENDA 12:20 p.m.

Lunch Break 1:30 p.m.

Non Solis Nobis: The Strength In Numbers Speakers: Kris Birchard

Chair, Advocis National Government Relations Committee

Trevor Theobald CFP, CLU, CHS

Member, Ontario Provincial Advocacy Committee

Sara La Gamba CFP, CLU, CHS, TEP

Senior Advisor, SPM Financial

Moderator: Sara Gelgor LLB, LLM, MBA, ICD. D. G. Dipl. SRS

Director, Human Rights, Enterprise ESG Strategy, RBC

2:15 p.m.

Afternoon Coffee Break

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AGENDA 2:35 p.m.

The Full Monty: Total Cost Disclosure Speakers: Louise Gauthier

Senior Director, Distribution Policies Autorité des marchés financiers

Melaina Vinski MSc. PhD

Associate Client Partner, Behavioral Science and AI and Analytics, IBM Consulting

Huston Loke CFA

Executive Vice-President of Market Conduct Regulation, Financial Services Regulatory Authority of Ontario

Geoff Gibson

Vice President, Investment Product and Marketing for The Empire Life Insurance Company

Moderator: Wade Baldwin CFP

President of Baldwin and Associates Financial Services Ltd.

3:55 p.m.

Closing Remarks Speaker: John W. Hamilton CLU, FEA, CPCA

Vice Chair/Treasurer of the Advocis TFFAC Board

4:00 p.m.

Cocktail Reception

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Insurance Investments Advice

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EMCEE Kelly Gustafson Director at Large, Advocis

Kelly has served in the financial services industry since 1998 as a thought leader, industry influencer and technology pioneer. Her expertise is in leading innovation and organizational transformation beside unique and elite business owners, as well as building high performance cultures, teams and businesses.

Kelly is currently supporting Financial Advisory teams across Canada to integrate new tech into their practices including a modern approach to delivering clients value. She consults with industry leading digital solution providers by representing the voice of the advisor, sharing strategic insights, and providing development direction.

A true prairie gal born and raised and, when she is not travelling coast to coast, still lives in Saskatchewan running the family farm.

As a national athlete, she loves the competitive comparisons between business and sports. Kelly has served as an active Advocis member for 19 years, is a founding member of the Technology & Innovation Committee (TIC), is a Saskatchewan PAC member and is serving in her 2nd term on the National TFAAC Board.

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STATE OF THE UNION Harris Jones

CPA, CA, CFP, CLU, CH.F.C., TEP Interim CEO, Advocis

Harris Jones is the Interim CEO for Advocis, The Financial Advisors Association of Canada. He applies a unique and diverse set of skills and experience to guide Canadian family business owners toward a clear path to financial security for themselves, their families, and their businesses.

Harris gives back to his profession by serving on the Board of Directors of the Toronto branch of STEP (Society of Trust and Estate Practitioners) Canada. In June 2020, Harris was recognized as the STEP Toronto 2019 Volunteer of the Year. He is also a member of the Audit & Finance Committee of The Financial Advisors Association of Canada (Advocis).

Harris is respected as a “pillar and mentor” within the tax, trust, estate, financial, business succession and insurance communities in Ontario and across Canada. He speaks to young adults about financial literacy on behalf of CPA Canada.

The empathy and drive towards excellence characteristic of Harris’ work are also reflected in his extensive community service, past and present.

In his teen years, Harris became a Queen’s Scout – the top grade and honour in Boy Scout training. He was also a certified National Lifeguard and Water Safety Instructor.

As an adult, Harris served on the Board of Directors of North Toronto Community Housing, and West Toronto Community Legal Services.

He has contributed to youth sports as an accredited Scout leader, and hockey coach and trainer. For the past 10 years, Harris has brought smiles to countless children as a Celebrity Clown in the annual Toronto Santa Claus Parade. These are just a few examples of Harris’ many volunteer activities over the years.

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TAKES TWO TO TANGO: WHAT’S YOURS IS MINE? With the merger of IIROC and the MFDA at the beginning of 2023, investment and mutual fund advisors could face significant changes in how they will be regulated. As 2024 priorities are being set, let’s discuss the clear opportunities and benefits for advisors and distributors. The Canadian

Investment Regulatory Organization (CIRO) is a merged entity and also a

brand-new organization – what makes us stronger together? In this panel

you will hear about the early learnings since the merger and the

open-ended questions and unknowns for the future.

How will the establishment of CIRO impact compliance processes and advisor registration categories? Will investment advisors finally be able to direct commissions to their corporations? In this

session, our panelists will discuss these and other major policy issues post-merger and their effect on the industry.

SPEAKER

Jean-Paul Bureaud Executive Director, FAIR Canada

Jean-Paul is the Executive Director, President and CEO of FAIR Canada. Prior to joining FAIR Canada, he was a financial sector expert at the World Bank Group assisting countries to enhance their securities regulatory regimes. He is a former member of the Executive Management Team at the Ontario Securities Commission, where he worked for 20 years in senior leadership and policy roles. He began his legal career at a national law firm advising clients on securities law matters.

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SPEAKER

Andrew Kriegler President and CEO, Canadian Investment Regulatory Organization

Andrew J. Kriegler is the inaugural CEO of the Canadian Investment Regulatory Organization (CIRO) formed on January 1, 2023, through the amalgamation of the Investment Industry Regulatory Organization of Canada (IIROC) and the Mutual Fund Dealers Association of Canada (MFDA).

In late 2014, Andrew was appointed President and CEO of the Investment Industry Regulatory Organization of Canada (IIROC), CIRO’s predecessor organization. Before coming to IIROC, Andrew served as Deputy Superintendent of the Office of the Superintendent of Financial Institutions (OSFI) where he was responsible for the prudential supervision of Canada’s federally regulated financial institutions. He also spent 25 years in the private sector, most recently as Treasurer of CIBC from 2008 to 2012, and earlier as Senior Vice President & Chief Human Resources Officer of Moody’s Corporation, parent of the credit rating agency Moody’s Investors Service, where he had been the Canadian Country Managing Director.

Andrew has also worked as a treasury executive, as a securitization and debt capital markets banker, as an analyst and then a trader on a mortgage-backed securities trading desk.

Andrew serves on the Board of Directors of the Canada Deposit Insurance Corporation (CDIC). He holds an MBA from the Ivey Business School at Western University and a B.Sc. in Computer Science and Economics from Trinity College in the University of Toronto.

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SPEAKER

Anthony Giglio President and CEO, Quadrus Investment Services

Anthony is the President & CEO of Quadrus Investment Services, which is Canada Life’s investment dealer. He has over 27 years of experience in the Wealth Management and Financial Services industry, with tenures at TD Wealth, CIBC, and Investors Group. During his career, Anthony has held a broad array of executive roles across wealth distribution, product, business strategy, and leadership of several wealth business functions.

Anthony lives in Oakville, ON with his wife and two teenage children.

Along with his family, he is an avid health and sports enthusiast.

MODERATOR Ellen Bessner

Babin Bessner Spry

Ellen is commercial litigator with over 25 years of practice at prominent Canadian firms, and now with Babin Bessner Spry LLP. Her expertise is representing securities dealers and advisors in regulatory (CIRO (IIROC / MFDA), OSC, FSRA and FP Canada), employment and commercial litigation disputes for clients across Canada.

Ellen is the Author of the bestselling book Advisor at Risk, a Roadmap to Protecting Your Business, and the sequel, Communication Risk, How to Bridge the Client-Advisor Gap to Protect and Grow Your Business, risk management tools for professionals in the financial services industry. She is an expert speaker, providing virtual and live workshops to advisors, Portfolio Managers and Supervisors and is a regular contributor to industry press.

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Financial advice for modern life.

Sun Life Assurance Company of Canada is the insurer and is a member of the Sun Life group of companies. © Sun Life Assurance Company of Canada, 2023.

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SMOOTH OPERATOR: THE COMPLIANT ADVISOR Protecting ourselves and our clients has become more important and more difficult than ever before. Given today’s sophisticated fraud technology and tools, the power of AI can assist fraudsters in everything from identity theft to ransomware of web servers. Not only is the playbook for compliance more rigorous, but it’s also more complex given what’s in an advisor’s control versus outside of control. How do we keep client privacy and data safe?

Can we spot the trickery of AI by amplifying the human touch of advisors so that we focus on consumer and investor protection such as Fair Treatment of Customers? The good news is, what we can control is operating under a strong client-first, ethical and compliant practice. Exploring legal and regulatory impacts, we will discuss how to stay smart and stay safe together.

In this session, our panelists will discuss how regulatory guidelines and advisor compliance practices can protect clients and advisors in the face of new risks.

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SPEAKER

Monica Hovsepian Head of Financial Services Industry, OpenText, and Member of Forbes Financial Council

Monica Hovsepian, Financial Services lead at OpenText, drives the financial services global strategy and marketing efforts across business solutions. With 25+ years’ financial industry expertise, she’s a respected authority and thought leader, having worked with various major banks worldwide, spearheading operational enhancements and customer centric innovations, including initiatives designed to revitalize the customer experience. An Economics graduate from York University, she holds an MBA from Hult International Business School, London.

Monica is also a member of the Forbes Finance Council.

SPEAKER

Nataša Milojević Vice-President, Business Governance and Controls, Sun Life Financial

Nataša Milojević is the Vice President, Business Governance & Controls for Retail Advice and Solutions. Nataša leads a team of professionals who are enthusiastic about enhancing Sun Life’s risk and compliance culture and driving business outcomes in a client- and advisor-centric way. After leaving the practice of law over 10 years ago, Nataša has held various, progressively senior roles across a number of financial service organizations, most recently with another Canadian-based global insurance company leading strategy and operations for Law, Compliance and Government Relations functions globally.

Nataša is known for her ability to deliver on large scale, complex projects that intersect business and compliance, and passionately believes that effectively harnessing the complex regulatory context can be a significant competitive advantage for organizations.

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SPEAKER

Jill McCutcheon Partner, Torys LLP

Jill McCutcheon co-heads the Financial Services Practice at Torys LLP. Specializing in insurance & reinsurance- corporate, regulatory and transactional matters. She advises on all aspects of the law, whether federal or provincial, and acts as counsel to insurers, reinsurers, intermediaries, coverholders, MGAs, third-party administrators, and others.

She is recognized as a leading lawyer in her field by Chambers Canada, L’expert, Who’s Who Legal: Insurance and Reinsurance, The Legal 500 — Leading lawyer in insurance, among others. Jill has twice been named the Client’s Choice Award — Insurance and Reinsurance for Canada, most recently in 2022

MODERATOR Jack Mazakian

Vice-President, Advocis Broker Services

Jack Mazakian is the principal broker and responsible for management of all facets of Advocis Broker Services’ national operations, supporting and executing strategic objectives while maintaining all relationships with partner organizations. He oversees and manages the day-to-day operations of the Advocis sponsored Advisor Insurance Protection program. Jack is an active member of The Financial Advisors Association of Canada’s (Advocis) Executive Management Team.

A successful career in establishing and growing insurance business in Canada, Jack has a professional background in Accounting & Financial Management, and is a licensed Property & Casualty Broker across the country.

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Trusted Advice, for Life

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Scan the QR code to contact us

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THE NEW PROFESSIONALISM IT MAY NOT BE WHAT YOU THINK It’s easy to get the wrong idea about professionalism as the financial services industry is “All Together Now”. Blurred lines between the once traditional financial pillars and the accelerated complication of products, processes, and responsibilities have left many advisors and their clients confused. Sadly, this confusion is repelling results and reducing the quality of service provided.

The good news is that clarity will attract those results. Since joining the Life Underwriters Association of Canada in 1978, Jim Ruta has worked with top advisors around the world and paid close attention to the trends in advisor professionalism. He’s discovered a new professionalism that provides the utmost in client service.

This talk will clarify what it means to be a professional today and what to do to achieve it. Fortunately, all the necessary pieces are already available and only need to be put in the proper order to make any serious advisor more professional.

The bonus is that professionalism is not just a brand thing. The new professionalism means increased profitability. Jim will show you how to simplify your systems, take your business to the next level of professionalism, and dramatically increase your profitability in the process.

And your business model doesn’t matter.

You can be more professional and profitable when you rethink professionalism.

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KEYNOTE SPEAKER Jim Ruta

BA, RHU, EPC President, Advisorcraft Media

Jim Ruta wrote over 100 lives in his first year as a life insurance agent at age 22. He joined management at 25 and led one of Canada’s largest life insurance agencies with 250 agents by age 40.

Today, he helps transform life insurance agents from MDRT aspirants to Top of the Table qualifiers and beyond. His clients include industry icon Van Mueller of Milwaukee and Sim Gakhar of Toronto.

President of Advisorcraft Media, and principal of SOLIS, the School of Life Insurance Selling, Jim has spoken 4 times at the MDRT Annual Meeting including the Main Platform. He has written 4 best selling books and is a regular columnist in industry magazines. Jim produces a free weekly coaching video on Facebook Live @jwruta. He is the co-founder, producer, and host of The Canada Sales Congress the largest 1-day life insurance sales event for advisors in North America.

Advisorcraft Media is under contract with The MDRT Academy for advisor development content and with MDRT Global Services for leadership in recruiting, selection, and development strategies.

They produce, promote, and distribute world-class life insurance agent training and development in virtual and live events.

What you don’t know about Jim… He spent the first 6 months of his life in hospital, suspected of polio and recovered through the power of prayer. He is a classically trained violinist; a trained Emergency Medical Technician; a Licensed Private Pilot, and a former Alpine Ski Instructor.

Jim’s crusade is to preserve, promote and propel the noble profession of selling life insurance.

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MODERATOR Ali Ghiassi

Vice-President of Industry Affairs and Government Relations at Canada Life

Ali Ghiassi is Vice-President of Industry Affairs and Government Relations at Canada Life where he leads the national public policy team.

He has extensive experience in government and regulatory affairs having served for nearly 10 years as a senior advisor in the Ontario government including as Chief of Staff to the Minister of Finance between 2014-18.

At Finance, Ali was responsible for the design, development and delivery of four provincial budgets and led Ontario’s 2016 negotiations with the federal and provincial governments to enhance the Canada Pension Plan. Prior to this, Ali was Vice-President, General Counsel and Public Affairs at Mohawk College. He has taught politics at McMaster University and has been a guest lecturer at Toronto Metropolitan University (formerly Ryerson University), University of Waterloo and the University of Toronto. Ali previously practiced international law in Toronto and at the World Bank in Washington DC.

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B:8.75" T:8.5" S:7.54"

Are you ready to rethink insurance?

Take stock of the latest insights, news and solutions that are driving our industry forward.

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Copyright Manulife. Commentary is for general information purposes only and shouldn’t be relied on for specific financial, legal, tax or other advice. Opinions expressed are those of Manulife and are subject to change based on market and other conditions. Individuals should seek the advice of professionals with respect to this information and any action taken. Manulife isn’t responsible for any losses arising from any use of this information. The Manufacturers Life Insurance Company (Manulife) is the issuer of Manulife insurance contracts. Manulife, Manulife & Stylized M Design and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it and by its affiliates under license.

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Listen to the latest podcasts from Manulife Insurance now at Manulife.ca/TheManulifeExchange

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NON SOLIS NOBIS: THE STRENGTH IN NUMBERS

At Advocis, advocacy is only possible because of our diverse and expansive network of members.

Our members are not just advisors, they are community leaders who are connected to so many communities across Canada. Passionate volunteers are our most powerful advocacy tool: building relationships with policymakers and elected officials in their community to demonstrate the importance of our work and the need for meaningful policy impact. We are making a positive difference for our clients across the country, and you – the Advocis member – are the most important component. This session will discuss our grassroots-focused advocacy strategy and the power of our membership network when applied to move policy forward.

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SPEAKER Kris Birchard Chair, Advocis National Government Relations Committee

Kris is the principal of Eagle Insurance Agency Limited and has 50 years of industry experience.

He is a past National Chair for Advocis and The Institute for Advanced Financial Education.

He served six years on the Board of the Financial Planners Standards Council. Currently, he chairs the Advocis National Government Relations Committee, and is a steward of the Century Initiative Fund. He is a charter member of CALU and a platinum member of the Century Initiative. Kris was an inaugural winner of the J.G. Taylor Award, and the Ottawa Chapter’s John Goebbels Award of Merit.

Kris served the United Way as a member of the Campaign Cabinet and Board of Directors and was the Founding Chair of the United Way’s Endowment Fund. He is a past President of Christie Lake Kids, and a past member of the Board of the Charlotte Birchard Centres of Early Learning. He is also the past Chair of the Tawingo Alumni Circle and Past Chair of Perley Health Community of Care, one of the largest and most progressive long-term care homes in Ontario, and a centre for research, education, and clinical innovation. Kris is a recipient of the United Way’s Community Builder Award.

Kris is married to Nancy, a retired schoolteacher, and has two adult children Ben: an actor/musician/producer living in Toronto and Heather, an environmental scientist/regulator with Health Canada. He has three grandchildren: Ella, Isaac and Cleo.

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SPEAKER Trevor Theobald CFP, CLU, CHS

Member, Ontario Provincial Advocacy Committee

Trevor has been practicing as a financial advisor for nearly ten years, having joined Sun Life in March of 2014. Trevor achieved his CLU in 2019 and CFP in 2021 and currently holds out as a Financial Planner under the “Financial Professionals Title Protection Act.” Trevor Joined Advocis in 2021, and currently holds the board position for the Provincial Advocacy Committee (PAC) for the Toronto Chapter.

Trevor lives in Toronto’s downtown core and is a Toronto sport and music enthusiast. When not in Toronto, he can be found with his dog “Ruby” at his family farm on Upper Rideau Lake.

SPEAKER Sara La Gamba CFP, CLU, CHS, TEP

Senior Advisor, SPM Financial

Sara has been serving clients as a financial advisor since 2009.

At SPM Financial, she helps clients achieve their financial goals with personalized, professional service. Sara chairs the Institute’s Standards and Accreditation Committee, is Vice-Chair and treasurer of the board of trustees and is a member of the Advocis Legal and Regulatory Policy committee. She played a key role in her local Advocis chapter and served as Toronto Chapter President from 2015-2017. A proud member of CALU, she sits on their Government Relations Committee.

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MODERATOR Sara Gelgor

LLB, LLM, MBA, ICD. D. G. Dipl. SRS Director, Human Rights, Enterprise ESG Strategy, RBC

Sara is an experienced board director and financial services executive. Sara has served as a board member of for-profit and not-for-profit organizations, including Toronto Hydro and the University of Toronto Governing Council Business Board, and has been named to the Diversity 50 by the Canadian Board Diversity Council.

She successfully completed the Rotman Directors Education Program and holds the ICD.D designation. Sara is a member of Governance Professionals Canada and is a faculty member of the GPC.D program, having collaborated in the design and launch of the designation program. Sara has held senior leadership roles in the Canadian Financial Services sector and is currently a member of RBC’s Sustainability Team where she leads Human Rights and Sustainability initiatives.

Most recently she was an officer of Concentra Bank, where she led compliance and financial crime risk management teams and was a member of the Bank’s ESG/CSR Strategy Team. In a prior role Sara was Chief Compliance Officer for an insurer, and she has helped shape public policy through material contributions as a committee member at the Canadian Life and Health Insurance Association, the Canadian Association of Financial Institutions in Insurance, and the Canadian Bankers Association.

Sara is no stranger to Advocis. From 2003 to 2008 she held the staff position of Vice President of Regulatory Affairs and earned a strong reputation for her critical thinking and her ability to build strategic relationships, successfully leading a number of key initiatives, including Advocis’ intervention in a landmark Supreme Court of Canada constitutional law challenge.

Sara obtained her undergraduate degree at the University of Toronto and attended Queen’s University for Law School. She is a lawyer, and also holds a Master’s degree in International Law from Cambridge University, and an MBA from the Rotman School of Management at the University of Toronto. She completed the Osgoode Hall Law School Certificate in Legal & Regulatory Risk Management for Financial Institutions, and has been a faculty member of the certificate program since 2013. She is a frequent speaker at conferences, including the Northwind Financial Services Invitational Forum, and is a past lecturer at the Rotman School of Management and Queen’s Law School.

Sara shares her home with her spouse and their two children, as well as their Leonberger, Golden Retriever, and Bengal Leopard cat. Her passions include travel and skiing, and she is a long-standing member of the Toronto International Film Festival and a volunteer at Toronto’s Out of the Cold Program.

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Self-employed?

Get health and dental coverage that fits you.

Insurance Investments Advice

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THE FULL MONTY: TOTAL COST DISCLOSURE Many years after implementing enhanced disclosure under CRM2, the Canadian Securities Administrators and the Canadian Council of Insurance Regulators have joined forces and are proposing total cost reporting disclosure for investment funds and segregated funds – known as CRM3. What are the behavioural principles involved in communicating total cost disclosures in relation to the value of advice and building trust with clients?

The information overload and aversion to fees can be incredibly confusing to clients. How can advisors and firms design communications to get it right? We’ll also delve into day-to-day tactics that advisors can take to support their clients.

This panel will explore how total cost reporting can be best achieved while also ensuring that the new regulatory requirements focus on the client experience.

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SPEAKER Louise Gauthier Senior Director, Distribution Policies, Autorité des marchés financiers

Louise Gauthier joined the Autorité des marchés financiers (“AMF”) in 2009 and was appointed to her current position as Senior Director, Distribution Policies in 2014. She was previously Director, Distribution Policies and SROs between 2011 and 2014. Her team’s responsibilities include monitoring of professional distribution practices in the areas of insurance, securities, financial planning and mortgage brokerage, and the development of distribution policies in these areas.

As appropriate, her department will also intervene to clarify AMF’s expectations with regards to practices considered to be risky from a consumer standpoint.

Ms. Gauthier and her teams lead or are actively involved in numerous projects undertaken under the purview of the Canadian Securities Administrators, the Canadian Council of Insurance Regulators, the Canadian Insurance Services Regulatory Organizations, and the Mortgage Broker Regulators’ Council of Canada. She is currently Vice Chair of the Mortgage Broker Regulators’ Council of Canada.

A graduate in actuarial science from Laval University, Ms. Gauthier started her career with a major actuarial firm before deciding to study law. After earning her law degree from Laval University, she worked for a national Canadian law firm for over ten years in the area of mergers, acquisitions and commercial financing. Before joining the AMF, she acted as a commercial lawyer with a large financial institution for several years.

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SPEAKER Melaina Vinski MSc. PhD

Associate Client Partner, Behavioral Science and AI and Analytics, IBM Consulting

Melaina is a behavioural science and behaviour change specialist with over a decade of experience in the experimental study of cognitive neuroscience and human behaviour, and over a decade of experience crafting evidence-based solutions on sustainability, stakeholder management, reputation risk, issues management, operational model design, and behaviour change.

As the former Behavioural Insights lead for PwC Globally and an Associate Client Partner of Behavioural Science and AI & Analytics at IBM, Melaina is recognized as a leading expert in weaving behavioural and data science within traditional problem-solving paradigms to tackle some of the toughest challenges facing business and society.

She holds a degree in Cognitive Neuropsychology and Business from the University of Guelph and a Masters and PhD in Cognitive Neuropsychology from McMaster University.

SPEAKER Geoff Gibson Vice President, Investment Product and Marketing for The Empire Life Insurance Company

Geoff Gibson is Vice President, Investment Product and Marketing for The Empire Life Insurance Company, where he is responsible for the segregated fund, annuity, and GIC line of business. Geoff has been with Empire Life for over 15 years in a series of increasingly senior roles involving segregated funds. He is currently the Chair of the CLHIA’s Committee on Individual Segregated Funds (CISF) and a past Chair of the Wealth and Retirement Conference. He has presented on segregated funds at numerous industry events over the years including the CLHIA Wealth and Retirement Conference and LIMRA’s Retirement Industry Conference.

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SPEAKER Huston Loke CFA

Executive Vice-President of Market Conduct Regulation, Financial Services Regulatory Authority of Ontario

Huston Loke is Executive Vice President of Market Conduct at the Financial Services Regulatory Authority (FSRA). FSRA supervises insurance companies, mortgage brokers, credit unions, pensions, and other non-securities areas of the financial services sector.

He previously served as Director of Corporate Finance at the Ontario Securities Commission (OSC), where he oversaw securities-related matters for all Ontario-based public companies. In his role, he had statutory authority to receipt prospectuses and grant certain forms of exemptive relief.

Prior to his role at the OSC, Huston advised the CEO of Canada Mortgage and Housing Corporation (CMHC). Prior to his role at CMHC, Huston was President of the credit rating agency DBRS, which covered over 1,000 fixed income issuers in Canada, the US, and Europe.

At various times over his career, he has supervised teams of fixedincome analysts in Toronto, New York, Chicago, London, and Paris.

He was also formerly a member of the nonbank financial intermediation committee of the Financial Stability Board, holds a Master of Business Administration (Finance and Accounting) and is a Chartered Financial Analyst (CFA).

Huston is currently Chair of the Canadian Council of Insurance Regulators (CCIR), a national organization that includes all the provincial and territorial regulators, along with the Federal Office of the Superintendent of Financial Institutions. Together, they work to enhance fair treatment of consumers while ensuring an efficient and effective regulatory framework for the insurance sector.

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MODERATOR Wade Baldwin CFP

President of Baldwin and Associates Financial Services Ltd.

Wade is the President of Baldwin & Associates Financial Services Ltd. in Calgary. He is the current chair of Advocis’ Legal and Regulatory Policy Committee. He also sits on Advocis’ Government Relations Committee as Alberta PAC co-chair and on the Institute’s Conduct and discipline committee. Wade is Past Chair of the TFAAC Board serving as the National Chair in 2016-2017.

Wade has held various positions with Advocis including President of the Calgary Chapter in 2007, Chapter Leadership Council from 2007-2011 and the TFAAC Board from 2011-2018.

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CLOSING REMARKS John W. Hamilton CLU, FEA, CPCA

Vice Chair/Treasurer of the Advocis TFFAC Board

John is President and Chair of RBC Wealth Management Financial Services Inc., a wholly owned subsidiary of RBC Dominion Securities Inc., which is an Insurance Agency operating under the Canadian Insurance regulatory environment. John is responsible for managing the existing Agency Business, including the insurance support distribution team (Estate Planning Specialists) that supports Canadian Wealth Management’s client facing professionals.

His team works closely with the Family Office Services Business in providing Wealth Preservation and Wealth Transformation solutions using tax effective Life Insurance products. John has been with RBC Financial Group member companies since 1987, in various business development, operational and distribution roles.

He began his financial services career with London Life in 1980.

John has bachelor’s degrees from the University of Western Ontario and Laurentian University and has also completed the executive program at the University of Western Ontario Ivey Business School.

He earned the Chartered Life Underwriter (CLU) designation in 1987 and also passed the Canadian Securities Course in 1987. He is a 2011 graduate of the Family Business Centre at the UBC Sauder School of Business and holds the Family Enterprise Advisor (FEA) designation.

John has been a board member at the Institute of Advanced Financial Education (IAFE) since 2011 and has been an associate member of CALU (Conference for Advanced Life Underwriting) since 2000. He has chaired the IIROC Insurance sub committee of the I.A.A.C. Retail Sales Committee.

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THANK YOU

TO OUR SYMPOSIUM 2023 SPONSORS

PLATINUM SPONSOR

GOLD SPONSORS

MEDIA SPONSOR

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THANK YOU

TO OUR SYMPOSIUM 2023 BOOTH EXHIBITORS

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ABOUT ADVOCIS

Advocis, The Financial Advisors Association of Canada, is the largest voluntary professional membership association of financial advisors in Canada, representing more than 17,000 member-clients and 40 chapters across Canada. Advocis champions professionalism, consumer protection, and the value of financial advice. We advocate for an environment where all Canadians have access to the professional advice they need.

Advocis members help consumers make sound financial decisions, ultimately leading to greater financial stability and independence. In all that they do, our members are driven by Advocis’ motto:

non solis nobis – not for ourselves alone.

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