Desjardins Financial Security - Responsibilities and Expectations

Supply accurate information on my family and financial status. Inform my representative of any important events occurring in my life, as these may have considerable impact on my financial position (e.g.: I'm A New Parent, I'm No Longer Single and I'm Starting A Business). The more data my representative has, the more suitable my action plan will be.
Stick with my action plan. Showing discipline is the best way to reach my goals.
Be honest with myself and my representative. If I'm having trouble making insurance investment payments, there's no point trying to hide anything; I should tell my representative, who'll steer me straight and suggest appropriate solutions.
Make sure my expectations about the return on my investments are realistic, as all investments involve a certain degree of risk.
Read all literature, contracts and other information provided. If necessary, ask my representative for clarification.
Keep my file up to date: retain copies of all transactions and any information, documentation and forms received, as well as any notes taken, during meetings with my representative.
Take responsibility for myself. Although my representative can offer solutions, only I can make the decisions required.

My Representative's Responsibilities

Demonstrate competence, professionalism and honesty.
Act to the best of my representative's knowledge and in my best interest.
Determine my needs, identify my goals, and specify the resources at my disposal to ensure my financial security; recommend an action plan and products tailor-made for my particular situation.
Provide information on any risks associated with recommendations made.
Inform me of any possible conflicts of interest involved in making such recommendations.
Monitor my financial and family situation on a regular basis, in order to make any necessary changes to my action plan.

I can also go to the site of the Chambre de la sécurité financière and consult the Code of Ethics governing my advisor. Under the Consumer Protection tab, under Regulating the Practices, click on the Codes of Ethics option to access the following documents:

Code of Ethics of the Chambre de la sécurité financière (for Financial Security Representatives)
Regulation respecting the rules of ethics in the securities sector (for Securities Sales Representatives)

Financial security representative cannot:

Make recommendations that are always lucrative. Unfortunately, no one has a crystal ball for predicting the future;
Make recommendations tailored to my particular situation unless I provide all the information needed to analyze them;
Monitor my financial position and goals if I do not report events that could influence the former;
Guarantee that I will reach my goals if I do not follow the action plan suggested (regardless of returns).