Disclosures

[CONFIRM: Draft for compliance review. Add licensing details, carrier/MGA disclosures and any required regulatory wording.]

Who we are

Charles Gendron is a Licensed Advisor in Alberta. Insurance products are provided through licensed insurance carriers. Loans and lines of credit are provided by, and subject to the approval of, the lending institution.

Educational content only

The information on this website is general and educational. It isn’t personalized financial, tax, legal, accounting or investment advice, and it isn’t an offer or solicitation to buy any product. Your situation is unique; speak with us, your accountant and your lawyer before acting.

Tax information

Tax treatment depends on your circumstances and on the Income Tax Act (Canada) and provincial legislation, which can change. Tax rates and thresholds shown on this site are approximate 2026 Alberta figures, simplified for illustration. Statements such as “may be deductible”, “generally received tax-free” or “tax-sheltered” are subject to conditions, and their application to you should be confirmed by a qualified tax professional.

Illustrative examples and scenarios

Examples, calculators and scenarios on this site are illustrative only. Scenarios are composites of common situations and do not describe specific clients. Figures are simplified and rounded, and are not a quote, an illustration from an insurer, or a promise of results.

Immediate Financing Arrangements and leveraged strategies

An Immediate Financing Arrangement involves borrowing. Before considering one, understand that:

• Loan interest rates are usually variable and can rise, increasing your costs.
• Lenders may require additional collateral or may call the loan if values or conditions change.
• Policy dividends and non-guaranteed values depend on insurer performance and can decrease.
• Tax rules, including interest deductibility, the collateral insurance deduction and Capital Dividend Account treatment, can change.
• These strategies suit insurable, higher-net-worth individuals and profitable corporations with a long-term horizon and comfort with leverage.

Third-party information

Figures attributed to third parties are believed reliable but aren’t guaranteed. Links to other websites are provided for convenience only.

Questions? Contact us or call 1(403) 690-4788.