Professional & legal information

Professional & regulatory information

This website is the personal advisory brand of Paskal Cormier, a financial advisor working primarily with clients in Ontario, Canada. I have been advising clients since 2019 and advise in both English and French.

I work in strategic collaboration with ECIVDA Financial Planning Boutique. I remain the client's primary advisor and point of contact, and this relationship gives me access to additional investment resources, planning expertise, administrative support and client servicing when needed.

I am a long-time member of Advocis – The Financial Advisors Association of Canada.

If you would like the particulars of my registration and licensing, or of the firms through which products and services are offered, please email paskal@ecivda.com and I will provide them to you directly.

Privacy

This section describes how this website handles information. The privacy practices that apply once you become a client are provided separately as part of the account-opening process.

What is collected. Only what you choose to type into one of the three forms on this site: the Introduction Call request, the newsletter signup, and the optional request for a copy of your Self-Check results. Nothing else is collected about you.

How it is used. Your details are used to reply to you, to send what you asked for, and — if you gave consent — to send occasional educational notes. They are not sold, rented or traded.

Where it goes. Form submissions are processed and stored by Netlify, this website's hosting provider, and are accessible only to me.

Booking an Introduction Call. The "Book an Introduction Call" buttons link out to my scheduling page on Calendly. Nothing is sent to Calendly while you are browsing this site, and no Calendly script or cookie runs on these pages. If you follow that link and book a time, the name, email address and any details you enter there are collected by Calendly under its own privacy terms in order to schedule the meeting and send you a confirmation.

The free tools and the Self-Check. The three financial tools download directly and require nothing from you. The Wealth Architecture Self-Check runs entirely in your browser; your answers are not transmitted anywhere unless you separately choose to have a copy of your results emailed to you.

Cookies and tracking. This website sets no advertising cookies and runs no third-party analytics or tracking scripts. Web fonts are loaded from Google Fonts.

Your choices. You can unsubscribe from any email at any time, and you can email me to ask what information I hold about you, to correct it, or to have it deleted. Information is handled in accordance with applicable Canadian privacy legislation.

A complete privacy policy covering my advisory practice will be published in this section once it is finalized. In the meantime, questions can go to paskal@ecivda.com.

Terms of use

General information only. Everything on this website is general in nature and published for educational purposes. It is not financial, investment, tax, legal or insurance advice, and it does not take your objectives, financial situation or needs into account.

No advisory relationship. Using this website, downloading a tool, taking the Self-Check or submitting a form does not create an advisory relationship between us. Individual recommendations only happen inside a documented advisory relationship.

Intellectual property. The Wealth Architect name, the five-stage system, and the writing and design of this website are mine, except where a resource is credited to its own publisher. The personal records organizer is published by Canada Life and remains subject to its publisher's terms.

Third-party links. Where this site links elsewhere, I am not responsible for the content or practices of those sites.

Governing law. This website is operated from Ontario, Canada, and Ontario law governs its use.

Complete terms of use will be published in this section once they are finalized.

Regulatory disclosures

The following general statement applies to all content on this website.

The information provided on this website is general in nature and for educational purposes only. It is not financial, investment, tax, legal or insurance advice, and it does not take into account any individual's objectives, financial situation or needs. No content on this site should be relied upon as a recommendation to buy, sell or hold any product or security. Investment values change frequently and past performance is not indicative of future results. Insurance coverage is subject to underwriting, eligibility and the terms of the policy. Tax and estate matters require advice from a qualified accountant or lawyer. Speak with a qualified professional before acting on anything you read here.

Compensation is disclosed to you in writing before you act on any recommendation, including any commissions or ongoing fees that would apply.

Disclosures required by the firms through which products and services are offered will be published in this section, and are available on request from paskal@ecivda.com in the meantime.

Accessibility

This website has been built to be usable with a keyboard, to respect a reduced-motion preference, to maintain legible contrast and text sizing, and to use semantic structure for assistive technology. The target is WCAG 2.0 Level AA, the standard referenced by the Accessibility for Ontarians with Disabilities Act.

If you have difficulty using any part of this site, or need any information on it in another format, please email paskal@ecivda.com. I will respond within five business days and provide the information in a format that works for you.

Feedback on the accessibility of this site is welcome and genuinely useful — it is the fastest way for me to find and fix something.