What you are entitled to, from the moment the relationship begins.

Senatus Wealth Management Corporation and Senatus Wealth Private Advisory Inc. (together, “Senatus Wealth”) provide wealth advisory, financial planning, insurance, and coordination services to private clients in Ontario, across Canada, and on a cross-border basis. The role, obligations, and compensation that apply to each engagement are governed by the written terms of your client agreement.

Scope of Services

Senatus Wealth provides integrated wealth architecture, coordination, and advisory services. These may include tax-efficient wealth design, estate and succession planning, corporate and trust structuring, insurance architecture, investment oversight, governance frameworks, philanthropy, and family continuity planning.

Services are tailored to each client’s circumstances. Not all clients receive all services. The absence of a particular topic from an engagement does not indicate it is inapplicable to your affairs. Where Senatus Wealth coordinates with external professionals — accountants, lawyers, investment managers, other specialists — the firm does not assume liability for the advice, services, or outcomes of those independent professionals. Evaluation and action on external recommendations remain with you and your chosen advisors.

Entities Providing Services

Advisory and coordination services are provided by Senatus Wealth Private Advisory Inc. Financial planning, insurance planning, and investment oversight are provided through Senatus Wealth Management Corporation, licensed under applicable provincial insurance legislation. Investment advisory or portfolio management services, where applicable, are delivered in accordance with National Instrument 31-103 — Registration Requirements, Exemptions and Ongoing Registrant Obligations — or through appropriately registered third-party firms coordinated by Senatus Wealth. Availability of specific services may vary by jurisdiction.

Know Your Circumstances

Before any substantive recommendation is made, Senatus Wealth collects and records the information required to understand your objectives, financial position, tax and estate circumstances, and the preferences of the family you lead. This is the know-your-client obligation under Canadian securities and insurance law, and it is the foundation on which every recommendation rests.

Recommendations — strategic, investment-oriented, or insurance-related — must be suitable for you in light of that circumstance. Where material facts change, inform the firm so its counsel remains aligned with your position.

Conflicts of Interest

Where any actual, potential, or perceived conflict of interest arises — in the structure of a recommendation, in a referral to a third party, or in compensation the firm may receive from any source connected to a recommendation — it is disclosed to you in writing before the work is committed. The price and the value of the affected recommendation are weighed plainly against the alternative. The choice, in every case, is yours.

Cross-Border Coordination

Where clients maintain financial interests in both Canada and the United States, Senatus Wealth coordinates with qualified cross-border legal, tax, and investment professionals. Senatus Wealth is not registered with the U.S. Securities and Exchange Commission, FINRA, or any U.S. state securities regulator. Cross-border work is consultative in nature and does not constitute advice under U.S. federal or state law.

Your Information, Held in Confidence

Senatus Wealth collects, uses, and safeguards your personal and financial information in accordance with the Personal Information Protection and Electronic Documents Act (Canada) and applicable provincial privacy legislation. Your information is used only to deliver the services described in your client agreement, to meet the firm’s regulatory and tax-reporting obligations, and to coordinate with professionals you have authorized in writing. It is not sold, rented, or shared with unrelated third parties.

Concerns and Complaints

Concerns about any aspect of the service may be raised with your primary advisor, with a firm principal, or in writing to hello@senatuswealth.com. Every concern is reviewed personally. Where a matter cannot be resolved to your satisfaction, independent review may be available through the applicable regulatory or industry ombudsperson; details are provided on request or in the firm’s written response to the initial concern.

Important Limitations

Senatus Wealth does not provide legal, tax, or accounting advice unless explicitly agreed in writing. Discussion of tax planning, estate structuring, corporate reorganization, the Income Tax Act, provincial tax legislation, or pending legislative changes is educational and consultative. It should not be construed as a legal or tax opinion, relied upon for reporting purposes, or treated as a substitute for independent professional advice tailored to your circumstances.

Information provided by Senatus Wealth — through meetings, written materials, presentations, or digital platforms — is for educational and informational purposes only. Nothing contained herein constitutes a specific investment recommendation or an offer to buy or sell any security, insurance product, or financial instrument.

Senatus Wealth assumes no liability for positions taken or not taken based on discussions or materials provided during an advisory engagement.

Questions about your relationship with Senatus Wealth or the terms of your engagement may be directed to hello@senatuswealth.com.