Important Disclosure: Pedro Diaz Ramos is a Mutual Fund Representative with Wealthforce Inc. Mutual fund products and services are offered through Wealthforce Inc.

Iron Trust Financial

A trade name used by Pedro Diaz Ramos, Dealing Representative with Wealthforce Inc.

Wealthforce Inc.

Mutual Fund Dealer

A GUIDE TO INVESTMENT ADVICE

Is investment advice just telling me where to put my money?

Before deciding where to invest, we need to understand your financial situation, what you want to achieve, and the risks involved.

Explore the example

Same amount. Different priorities.

A home in two years

$50,000

Money you’ll need soon.

Retirement in 25 years

$50,000

Money for a longer-term goal.

Same amount. Different timelines, risks, and investment decisions.

01 / A better starting point

From picking an investment to making an informed decision.

A useful recommendation connects the investment to your goals, financial circumstances, and the decisions ahead.

Simply choosing investments

Which fund should I buy?
Which investment has performed best?
Where can I get the highest return?
What should I invest in today?

Working with an investment advisor

What are you investing for?
When will you need the money?
How much investment risk is appropriate for you?
How does this investment fit your broader financial situation?
What costs, limitations, and risks should you understand?
When should your strategy be reviewed or adjusted?

02 / The role of your advisor

Guidance at every stage.

Investment advice includes understanding your situation, developing a strategy, explaining recommendations, and reviewing your approach as circumstances change.

Understand your situation

Review your finances, investment experience, goals, timeline, and ability and willingness to take risk.

Develop an investment strategy

Determine an appropriate mix of assets and approach to risk based on your circumstances.

Evaluate and recommend investments

Assess suitable options and explain their features, costs, potential benefits, and risks.

Help you make informed decisions

Explain the reasoning behind recommendations, discuss relevant alternatives, and help you understand the trade-offs.

Monitor and review

Periodically review your investment portfolio and circumstances to determine whether the existing strategy continues to be appropriate.

Adjust when circumstances change

Review whether changes in your income, objectives, family situation, financial needs, or time horizon warrant adjustments to your investments.

03 / Explore the difference

Same $50,000. Three different lives.

Select a scenario to see how different circumstances shape investment decisions.

$50,000 available to invest

Now

Primary consideration

What the planning conversation explores

These are hypothetical examples for education only. They are not model portfolios, specific investment recommendations, or personalized investment advice. The time bars illustrate relative planning horizons, not returns or recommended allocations.

04 / How the relationship works

Understand first.
Recommend second.

Here’s what to expect, from the first conversation to ongoing reviews.

Discovery

Discuss your financial circumstances and what you want to accomplish.

Assessment

Assess your objectives, finances, timeline, investment knowledge, and risk profile.

Recommendation

Explain the proposed strategy, suitable investments, costs, and risks.

Implementation

Complete the necessary steps if you decide to proceed.

Ongoing review

Review your circumstances and investments periodically, and recommend adjustments when appropriate.

05 / Setting clear expectations

What investment advice does not promise.

Advice helps you make informed decisions about an uncertain future.

Predicting which investment will perform best.
Guaranteeing returns or eliminating market risk.
Choosing investments solely because they had the highest past returns.
Changing investments whenever markets fluctuate.
Recommending the same portfolio to everyone.

YOUR NEXT STEP

Let’s talk about your investment goals.

An initial conversation is a chance to discuss your priorities, ask questions, and determine whether it makes sense to move forward with a more detailed review.

What to expect

A discussion about what you want to achieve, your current circumstances, and the guidance you’re looking for. A personalized investment recommendation follows a more detailed assessment.

What to have in mind

Your main goals, when you expect to need the money, and a general picture of your savings, investments, and debts. Exact figures and documents are not needed for the initial conversation.

Book an introductory call

15 minutes · By appointment

Important Regulatory Disclosures

Dealer Relationship
- Pedro Diaz Ramos provides mutual fund services as a Mutual Fund Representative with Wealthforce Inc., a member of the Canadian Investment Regulatory Organization (CIRO)
Insurance Business
- Pedro also provides life and health insurance services through approved insurance agencies and conducts separate tax preparation services through Iron Trust Financial.
- Insurance products are offered through approved insurance agencies, including contracted MGAs and insurance providers.
Separate Entities
- Insurance services, tax services, and mutual fund services are provided through different legal entities and are subject to different regulatory requirements.
- Tax preparation services are provided through Iron Trust Financial and are not offered through Wealthforce Inc.
- Wealthforce Inc. is not responsible for insurance or tax services provided outside of its dealer relationship.
Investments Disclosure
- Registered plans may hold a variety of investment products. Mutual fund investments are distributed through Wealthforce Inc.
- Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Complaints
- Clients with concerns regarding mutual fund services may contact Wealthforce Inc. directly.