As part of our year-end process, all holders of nominee RRSPs or LIRAs/locked-in RRSPs who will have reached the age of 71 by December 31, 2025, are required to transfer their account to a RRIF or LIF before the end of the year.

The Client Fee Dashboard is currently unavailable as we continue to reconcile client payments. Once all payments have been reconciled, the dashboard will be reactivated with updated payment statuses.

On August 18, 2025, Investia was informed of a cybersecurity incident affecting the Canadian Investment Regulatory Organization (‘’CIRO’’). CIRO originally identified the incident on August 11, 2025, and has since taken several precautionary actions to ensure data integrity and security. 

A privacy incident occurs when there is unauthorized access, disclosure, or use of personal information (e.g., social insurance number, date of birth, health status, insurance premium), or when such information is lost or stolen.

Cyber incidents can occur as a result of human error, an external attack or a technical failure. They must be reported quickly to limit the impact and allow the compliance or IT security team to respond.

Effective August 13, 2025, the risk rating of the following funds was changed by CIBC Asset Management Inc. (“CAM”):

Please be advised that the Client Fee Dashboard is currently unavailable as we continue to reconcile client payments. Once all payments have been reconciled, the dashboard will be reactivated with updated payment statuses.

We would like to remind everyone about our Nominee Estate Document Transmission Tool, which was launched on May 29 on the Advisor Centre. You can access it from the “Client Search” section on the home page:

In response to questions and feedback received, we are pleased to share an updated FAQ document for our Conquest Planning service offering. The key update has been made to Question 21 to clarify access for administrative staff and the requirement to have existing access to the Advisor Centre to use the Conquest application.

This year’s client administrative fees have been processed and withdrawn from clients’ accounts as follows:

• Nominee accounts: between July 12-13, with payment visible on July 14.
• Client-name accounts: between July 18-20 for most fund companies, except for Dynamic Funds. For Dynamic Funds, the fees will be withdrawn from your clients’ assets tomorrow, Friday, August 8.
  

As a reminder, the deadline to submit your application to join our Advisor Workgroup is September 1, 2025. If you’re interested in contributing to the evolution of our service offer and representing your peers, we encourage you to review the details below and submit your nomination as soon as possible.

Our digital adoption client and advisor contests are currently underway! Below is a reminder of the details:

Effective July 30, 2025, the risk rating of each the following funds was changed by Invesco Canada Ltd.:

Our digital adoption client contest is currently underway! All clients who log in to the Investia Client Portal and/or the mobile app between July 1 and December 31, 2025, are automatically entered into a draw to win a $5,000 cash prize. There will be a draw every quarter: the first one in October, and the next in January.

Monday, August 4, 2025, is a statutory holiday in several provinces, including in Ontario. As a result, the markets and Fundserv will be closed, which means that no trading or settlements will take place on that day.

Good news! Clients can now view their beneficiary details for nominee accounts on their Investia mobile app under the Client Information section, as they are also available directly on the Client Portal. 

Good news! Clients can now access their Profile section from their Investia mobile app and manage the following sections, as they are also available directly on the Client Portal:

The Product Review Committee will be taking a break for the next two weeks. As a result, we will not follow up on any product review/approval requests between August 4, 2025, and August 15, 2025, for the following products:

• Exchange traded funds (ETF)
• Liquid alternative funds
• Exempt market products
  

Effective May 28, 2025, the risk rating of each the following funds was changed by BMO Investments Inc.  (“BMOII”):

Effective July 25, 2025, the risk rating of each the following funds was changed by Canada Life Investment Management Ltd. (“CLIML”):

Effective July 24, 2025, the risk rating of each the following funds was increased by TD Asset Management (“TDAM”):

Please be advised that Q2 statements (from April 1 to June 30, 2025) will be available in the Investia Client Portal before the end of the week for all clients registered for e-delivery. Clients who have opted to receive paper statements will have their statements mailed out shortly. 

Another tool to simplify your life! If you are not yet familiar with it, discover our new Automatic Rebalancing Program for model portfolios.

Following Investia’s sustained growth over the past few years, we would like to inform you of certain changes to our Sales and Business Efficiency teams.

As part of our ongoing commitment to anti-money laundering (AML) compliance and regulatory awareness, we are sharing a valuable training resource published by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). 

Effective July 3, 2025, the risk rating of each the following funds was increased by CI Global Asset Management (“CIG”):

This year’s client administrative fees have been/will be processed and withdrawn from clients’ accounts as follows:

• Nominee accounts: between July 12-13, with payment visible on July 14.
• Client-name accounts: between July 18-20 at most fund companies, and as late as August 8 for others (i.e., like Dynamic Funds).
  

As summer brings changes to our routines—vacations, remote work, and increased travel—it’s also a time when cybersecurity risks can quickly escalate.

Please be reminded that our Client Service hours are from 8 a.m. to 5 p.m. ET, Monday through Friday for the summer season.

This is your final reminder to complete the MS O365 advisor survey by end of day on Friday, July 11, 2025. If you have already completed it—thank you! No further action is required. If not, please do so today or tomorrow to ensure we can plan your migration to the new MS O365 platform according to your needs.

This year’s client administrative fees will be processed and withdrawn from clients’ accounts as follows:

• Nominee accounts: between July 12-13, with payment visible on July 14.
• Client-name accounts: between July 18-20 at most fund companies, and as late as August 8 for others (i.e., like Dynamic Funds).
  

Effective June 27, 2025, the risk rating of each the following funds was changed by RBC Global Asset Management Inc. (“RBF”):

As announced in our email sent on Monday, June 30, we would like to remind you that you can now begin taking advantage of our new Automatic Rebalancing Program for model portfolios.

This initiative brings significant advantages to both you and your clients by ensuring portfolios are automatically adjusted to stay aligned with target weightings and the client’s risk tolerance, investment objectives, and time horizon. Note that our Rebalancing Program also ties in perfectly with the recent launch of Elite Pools and Portfolios.

As a follow-up to our recent communication regarding the transition of our MS O365 platform administration to Solulan, this is a friendly reminder to complete the advisor survey before July 11, 2025.  If you have already completed it, thank you! No further action is required at this time.

We would like to inform you that this year’s client administrative fees will be processed and taken from clients’ accounts as follows:

• For nominee accounts: fees will be taken from clients’ accounts over the weekend of July 12 – 13, which means payment will be visible on Monday, July 14.
  
  
• For client-name accounts: files will be sent to our fund company partners on Friday, July 18.  Most will process the files as they are received within a day or two, with the exception of Dynamic Funds. If fees are to be redeemed from a Dynamic fund, it will be processed on or about August 8, 2025.
  

After nearly two decades of unwavering dedication, Odile Zénidé — our esteemed Head of Registration — will be retiring from her role as Senior Manager, Compliance, effective September 1, 2025.

We would like to inform you that the presentation accreditation process for the Best Business Practices Roadshows, held from June 2 through 5, 2025, is now complete. Please find below the details of CE credits granted for each eligible presentation.

As a reminder, the Client Fee Dashboard will be closing on June 30, 2025. Please ensure that you identify and select all clients for whom you wish to pay the 2025 Client Fee before this date.

Please note that no exceptions will be made once the dashboard is closed. We urge you to complete this important task promptly to avoid any issues.

Good news! As part of our digital adoption initiatives, we are thrilled to bring back our client contest designed to promote Client Portal and mobile app registration.

Please note that Tuesday, July 1, 2025, is Canada Day and a statutory holiday in all provinces. As a result, the markets will be closed, and no transactions or settlements will take place on that day. We will resume our regular office hours on Wednesday, July 2.

To help raise awareness of World Elder Abuse Awareness Day on June 15, the Canadian Investment Regulatory Organization (CIRO), issued a warning against scams on the rise that target seniors (e.g., unsolicited, spam emails, texts or calls from strangers, or messages on social media, etc.).

If you have not completed the Client Fee survey yet, please do so by tomorrow, June 20, to benefit from the fee waiver, if applicable. As a reminder, under our Premium Partner Program, all advisors, their spouses and assistants are eligible for the client fee waiver. Please review the Client Fee Dashboard to verify fee waiving eligibility (“Fee Waiver” status). 

Good news! Clients can now view their beneficiary details for nominee accounts directly on their Client Portal under the “Client Information” section. 

Please be advised that Tuesday, June 24, 2025, is Saint-Jean-Baptiste Day and a statutory holiday in the province of Quebec. As a result, our services will be maintained during regular business hours, however we will be operating with reduced staff.

As discussed during our Best Business Practices Roadshow presentation on June 2, where we explored strategies to enhance your business with simplicity, efficiency and governance, we are pleased to introduce a new document detailing Investia’s Microsoft O365 offering and Solulan’s services. 

We saw your enthusiasm for our new AI-based Virtual Assistant tool at last week’s Best Business Practices Roadshows, and we thank you for that! 

As we continue developing the tool to provide an enhanced experience and better serve your needs, your feedback remains essential. 

In preparation for this year’s fee billing, the Client Fee Dashboard has now been reactivated. You can use it to identify clients for whom you wish to pay this year’s fees until June 30, 2025. After this date, this option will no longer be available.

We would like to inform you that an update has been made to our client electronic signature procedure to prevent potential cases of fraud.

It’s here! Our new cyberincident reporting button is now available on the Advisor Centre:

To enhance the client experience, we’re introducing a small visual update to the login screen of both the Investia Client Portal and mobile app.

Starting Monday, June 23, 2025, our Client Service summer hours will be from 8 a.m. to 5 p.m. ET, Monday through Friday.

As we conclude another successful edition of our Best Business Practices Roadshows, we want to extend our heartfelt thanks to everyone who attended in such impressive numbers this year. Your enthusiasm and participation mean a great deal to us!

It’s finally here! Following last week’s announcement, we are thrilled to launch the Elite Program, an advanced investment management solution designed to provide clients with enhanced customization, lower fees, and an elevated service offering, while providing you with greater scalability, flexibility and time-saving efficiency.

To continue ensuring that the improvements we make to our service offer provide the most value to you and your clients, we have decided to continue our Advisor Workgroup initiative again this year. We are currently looking for new advisors to join us – if you’re interested, please read the following and feel free to submit your application.

In preparation for this year’s fee billing, the Client Fee Dashboard has now been reactivated. You can use it to identify clients for whom you wish to pay fees this year until June 30, 2025. After this date, this option will no longer be available.

Recently, we have advanced our security protocols on our technological platforms by introducing multi-factor authentication (MFA) for our Representatives and employees. This feature enhances security by adding an extra layer of protection against unauthorized access. We have also organized informative campaigns to raise awareness about the significance of cybersecurity. Regular mandatory training sessions and informational materials have also been shared to ensure everyone stays informed and alert. 

We will be conducting system maintenance during the weekend of June 6, 2025. As a result, Univeris, Advisor Centre, Client Portal and the Investia mobile application will be unavailable from Friday, June 6, 2025, 8:00 p.m., to Sunday, June 8, 2025, 5:00 p.m. (ET).

As mentioned in our April 17, 2025, Virtual Water Cooler Chat, we are thrilled to announce the upcoming launch of the Elite Program, a comprehensive investment management program designed to provide clients with enhanced customization, lower fees, and an elevated service offering, while providing advisors with scalability, flexibility and time-saving efficiency.

In preparation for fee billing on June 30, the Client Fee Dashboard has now been reactivated. You can use it to identify clients for whom you wish to pay fees this year until June 30, 2025. After this date, this option will no longer be available.

Great news! Our automated KYC update tool is now available on the Investia mobile app. When you enrol a client in the automated KYC update process, they can now submit updates via the mobile app as well.

Good news! Our new estate document transmission tool (for nominee accounts) is now available on the Investia Advisor Centre, in the “Client Search” section of the home page:

Over the past few weeks, our Compensation and Training teams have been working together to develop a quick and easy solution around the theme of “Everything You Need to Know About Compensation”.

Please be advised that effective May 7, 2025, the risk rating of each of the following funds was increased by National Bank Investments Inc. (“NBI”):

Please be advised that effective May 23, 2025, the risk rating of the following fund was increased by Canada Life Investment Management Ltd. (CLIML):

Do you know it? Accessible from the Advisor Centre, the online store offers a wide variety of promotional items showcasing the iA logo. Whether you’re looking to elevate your events, stock up on office supplies or surprise a client or business partner with a unique gift, you’ll find plenty of options! 

As shared at last week’s Water Cooler session, we are pleased to announce a strategic change in our Office 365 platform administration. Effective June 1, 2025, we will transition platform support from Calligo to Solulan, a move designed to strengthen the level of service and support provided to your business. Solulan is a nationally recognized IT consulting firm, specializing in integration and the management of technology and cybersecurity systems since 1999. We are excited about the opportunities this change brings. 
 

We would like to remind you that our Virtual Best Business Practices Roadshows will be held from Monday, June 2 to Thursday, June 5, 2025. The event will include 2 hours of live presentations per day, from 1:30 p.m. to 3:30 p.m. (ET). The invitation email was sent to you on Tuesday, May 20.

We are excited to announce the launch of a new nominee estate document transmission tool on the Investia Advisor Centre, which will be accessible from the “Client Search” section of the home page starting Thursday, May 29, 2025:

In preparation for fee billing on June 30, we would like to remind you that the Client Fee Dashboard has now been reactivated effective today, May 22.

We would like to thank everyone who joined our Virtual Water Cooler Chat last Thursday. For those who missed it, you can watch the presentation by clicking on the recording link below. 

Below you will find key information about this year’s client fee process, along with new resources and enhancements that are now available to you. Please note that this year, the annual client fee remains at $50 plus applicable taxes.

As part of the global client management process, an improvement has been made to the Investia New Account Application Form (Nominee TFSA) (F51-210A).

Due to scheduled maintenance of iA Financial Group’s technology infrastructure the following will be unavailable from Saturday, May 17, 2025, at 5 a.m. ET, until Monday, May 19, 2025, at 6 a.m. ET:

• Univeris
• Investia Advisor Centre, including its applications and tools
• Investia Client Portal
• Investia mobile application
  

Please note that Monday, May 19, 2025, is a statutory holiday in several provinces of Canada, which means that markets and Fundserv will be closed and that no trading or settlement will take place on that day. 

Our offices will also be closed, and we will resume normal business hours on Tuesday, May 20.

Last November, the Canadian Union of Postal Workers (CUPW) went on strike against Canada Post, resulting in a disruption of postal services. As you may recall, the national strike was paused at the end of 2024 for an inquiry commission to take place. Now, as you may have heard, a labour disruption could happen again as early as May 22, 2025 (ref. Canada Post Notice – Negotiations updates). 

Click here to save the dates for the 2025 Virtual Best Business Practice Roadshows.

Due to scheduled maintenance of iA Financial Group’s technology infrastructure, the following will be unavailable from Saturday, May 17, 2025, at 5 a.m. ET, until Monday, May 19, 2025, at 6 a.m. ET:

• Univeris
• Investia Advisor Centre, including its applications and tools
• Investia Client Portal
• Investia mobile application
  

Following last week’s communication regarding the Client Contact Record Form (CCRF) and Order Instruction Forms (OIFs), there has been some confusion regarding the mandatory nature of the questions carried over from the CCRF to the specific OIFs. 

To minimize LOIs and streamline the process for you, we have updated Administrative Procedure # 37 – Returned Item, along with the replacement options outlined in the Returned Items Notice you receive in the event of insufficient funds.

Due to scheduled maintenance of iA Financial Group’s technology infrastructure please be advised that the following will be unavailable from Saturday, May 17, 2025, at 5 a.m. ET, until Monday, May 19, 2025, at 6 a.m. ET:

• Univeris
• Investia Advisor Centre, including its applications and tools
• Investia Client Portal
• Investia mobile application
  

We are happy to present the different online group training courses available for the next two months on Investia Learning (How to Register?).

I am pleased to announce the appointment of Joanna Yu as our new Regional Vice President, Advisor Relationships, for Western Canada, effective immediately. Joanna will be reporting directly to me.

If you haven’t completed it yet, the “Annual Review of Professional Activities” (“ARPA”) questionnaire is available on the Investia Advisor Centre for online completion. This questionnaire must be completed and submitted by April 30, 2025.

Use of the Contact Record Form
As a reminder, Investia’s Client Contact Record Form (F51-331A) (CCRF) is a form that must be used for note-taking purposes only and must always be uploaded to head office for imaging. 

We would like to thank everyone who joined our Virtual Water Cooler Chat last Thursday. For those who missed it, you can watch the presentation by clicking on the recording link below.

Based on the latest update received, the processing delay issue at the CRA is gradually improving, with several files now successfully processed. Client tax slip information should already be accessible in the “My Account” section of the CRA website or will be shortly. However, some delays persist with certain files, particularly those related to TFSAs. 

Last November, the Canadian Union of Postal Workers (CUPW) went on strike against Canada Post, resulting in a disruption of postal services. As you may recall, the national strike was paused at the end of 2024 for an inquiry commission to take place. Now, as you may have heard, a labour disruption could happen again as early as May 22, 2025 (ref. Canada Post Notice – Negotiations updates). 

Please be advised that Q1 statements (from January 1 to March 31, 2025) will be available in the Investia Client Portal before the end of the week for all clients registered for e-delivery. Clients who have opted to receive paper statements will have their statements mailed out shortly. 

Click here to save the dates for the 2025 National Business Conference.

Friday, April 18 is a statutory holiday observed across all provinces, which means that markets and Fundserv will be closed. As a result, no trading activities or settlement will occur on that day. 

If you haven’t completed it yet, the “Annual Review of Professional Activities” (“ARPA”) questionnaire is now available on the Investia Advisor Centre for online completion.

Effective April 1, 2025, the Canadian Investment Funds Standards Committee (“CIFSC”) introduced new fund classifications as follows: 

As of January 22, 2024, corporations registered under the Canada Business Corporations Act (“CBCA”) must maintain and provide a record of individuals with significant control (“ISC”) to Corporations Canada. 

As a follow-up to our last communication, we have received feedback from CIRO that some CERTS users (Representatives, Associate Advisors, Junior Advisors, Licensed Assistants, Branch Managers) are having difficulty either registering on the portal or completing their 2024 and 2025 mandatory MFD compliance credit(s).

As a reminder, annual licence fees will be deducted from your commissions deposited next week, i.e., on April 17, 2025 (pay period 2025-15), unless you have elected to pay these fees by credit card via ePay.

We would like to inform you of two important changes regarding model portfolios in Univeris. These changes will come into effect on May 1, 2025.

On March 24, 2025, the Canadian Investment Regulatory Organization (CIRO) issued a press release to warn Canadian investors about an emerging scam known as account intrusions. This type of fraudulent activity is a growing concern as fraudsters employ sophisticated tactics to access and exploit investment accounts.

In an effort to improve our Limited Authorization Form (LAF) process, please note that the following two changes will come into effect on April 4, 2025.

Please be advised that the CIRO 2025 MFD Compliance credit is now available on CIRO’s CE Reporting and Tracking System (“CERTS”) portal. 

We are pleased to announce the launch of a brand-new email address dedicated to questions about compensation.

We would like to remind you that annual licence fees will be deducted from your commissions deposited on April 17, 2025 (pay period 2025-15), unless you have elected to pay these fees by credit card via ePay.

Please find below some key reminders regarding letters of indemnity (“LOIs”).

In order to streamline the processing of estate requests and ensure the timely liquidation of a deceased client’s account with the executor and/or beneficiaries, here are four useful tips:

It is crucial that all Investia Representatives and their staff, including both licensed and unlicensed assistants, complete the mandatory Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF) training. This training must be done every two (2) years to ensure that your knowledge is current and your skills in identifying suspicious transactions are sharp. By staying up to date with this training, you can play a vital role in protecting our clients and the integrity of our financial system. 

We remind you that the “Annual Review of Professional Activities” (“ARPA”) questionnaire is available on the Investia Advisor Centre and must be completed and submitted by April 30, 2025.

Further to last week’s communication, please note that the Canada Revenue Agency (CRA) is still experiencing delays in processing tax slips for the 2024 taxation year. 

Please refer to the progress chart below for the latest information on the delivery status of tax slips, contribution receipts and fee-based invoices for Investia nominee accounts. We invite you to refer to the table below before contacting Client Services to inquire about the transmission status of any of these documents. 

We would like to remind you that annual licence fees will be deducted from your commissions deposited on April 17, 2025 (pay period 2025-15), unless you have elected to pay these fees by credit card via ePay.

Click here to save the dates for the 2025 Virtual Best Business Practice Roadshows.

Below are the online group trainings you can now register for on Investia Learning (How to Register?).

Conquest specializes in modern financial planning software tailored for the financial services industry. Their key offerings feature a planning engine powered by artificial intelligence, delivering real-time, collaborative financial guidance, along with tools enabling both advisors and clients to flexibly modify financial plans. They primarily serve financial institutions aiming to improve their financial advice delivery through technology.

The Government of Nova Scotia has changed the rules governing the unlocking of life income funds (LIFs) and locked-in retirement accounts (LIRAs).

We would like to inform you that the Canada Revenue Agency (CRA) is currently experiencing processing delays with its new system. 

Please rest assured that Investia has sent all client tax slips to the CRA within the required deadlines and  that we have received confirmation of receipt. 

As you have heard at our fall conference and during our Water Cooler Chats this year, we have announced the launch of our new Office 365 project! This initiative is designed to streamline your work experience, enhance collaboration, and provide additional tools to drive efficiency.

Please be advised that annual licences for all Mutual Fund Representatives, as well as licenses for Representatives registered in the categories listed below were automatically renewed via the National Registration Database (“NRD”) on January 1, 2025:

• Mutual funds;
• Exempt market products;
• Restricted practice broker (investment contracts); and 
• Scholarship plans.
  

Please be advised that effective March 18, 2025, the risk rating of the following fund was increased by Mackenzie Investments (“MFC”):

Following the introduction of our Banking information Management Tool on the Advisor Centre, please note that the “Cheque Transmission” section of the “Cheque Transmission or Banking Information Addition Form” (F51-349A) has been removed as it is no longer necessary.

Did you know? Our Web Showcase site makes it simple and free to create your own web page. Use it to promote your services, boost your visibility, and ultimately grow your clientele online.

We would like to thank everyone who joined our Virtual Water Cooler Chat last Tuesday. For those who missed it, you can watch the presentation by clicking on the recording link below. 

Following our February 20, 2025 communication, please be advised that due to ongoing discussions with regulatory authorities on mutual fund license fees for 2025, the fee withdrawal period has been postponed to a later date, i.e. after Investia has received official confirmation from the regulatory authorities.

If you’re not already aware, the Investia logo is readily available on the Advisor Centre if you need it to create your marketing and sales communications material.

As a reminder, November 30, 2025 is the end of the current continuing education (“CE”) reporting cycle for CIRO registrants (Representatives, Associate Advisors, Junior Advisors, Licensed Assistants, Branch Managers). 

Over the past few weeks, we have observed a trend that poses significant risks for you and Investia. 

As you know, during order entry, withdrawal errors can occur for various reasons, such as duplicate withdrawals from a client’s bank account or withdrawals that simply should not have been made at all. 

Please refer to the progress chart below for the latest information on the delivery status of tax slips, contribution receipts and fee-based invoices for Investia nominee accounts. We invite you to refer to the table below before contacting Client Services to inquire about the transmission status of any of these documents. Stay tuned for upcoming updates via The 360.

For those who have subscribed to the Investia Group Insurance Program with AGA, please note that renewal will take place on June 1, 2025. The renewal process will start in April and end mid-May.

With the high volume of documents we receive, we would like to remind you of a few best practices for uploading documents to imaging via the Secure File Upload tool.

Please be aware of a date change for our March Water Cooler. The event will now be held on Tuesday, March 11, at 2:45 p.m. ET, instead of Thursday, March 13. This change allows us to welcome a special guest, Denis Ricard, President & CEO of iA Financial Group. Below are the details.

The last days of the RRSP campaign are already fast approaching! To ensure timely processing of your one-time PACs (also known as pre-authorized debits or PADs) programmed for March 3, we remind you that a new process will be implemented for the 2025 investment period. In addition to the regular cycle launched in the morning, a second PAC cycle will be launched at 11 p.m. on March 3, 2025. 

Click here to get a summary of key information to help you prepare for this year’s RRSP season.

In an effort to prevent transactions being halted in the order affirmation process for risk suitability concerns, we have gathered all the necessary steps in a comprehensive and easy-to-read administrative procedure.

When managing automatic withdrawal deposits (AWDs), it is important for Representatives to pay close attention to tax rates set for these transactions to prevent discrepancies for clients. 

We invite you to refer to the progress chart below for the latest information on the delivery status of tax slips, contribution receipts and fee-based invoices for Investia nominee accounts. Please refer to the table below before contacting Client Services to inquire about the transmission status of any of these documents.

We are delighted to announce the creation of two new forms to streamline the management of your nominee group RRSPs. 

Click here to save the dates for the 2025 Virtual Best Business Practice Roadshows.

Please be advised that annual licences for all Mutual Fund Representatives, as well as licenses for Representatives registered in the categories listed below were automatically renewed via the National Registration Database (“NRD”) on January 1, 2025:

• Mutual funds;
• Exempt market products;
• Restricted practice broker (investment contracts); and 
• Scholarship plans.
  

We would like to thank everyone who joined our Virtual Water Cooler Chat last Thursday. For those who missed it, you can watch the presentation by clicking on the recording link below. 

We would like to inform you that the presentation accreditation process for last year’s National Business Conference, held from October 8 through 10, 2024, is now complete. Please find below the details of CE credits granted for each eligible presentation.

The last days of the RRSP campaign are already fast approaching! To ensure timely processing of your one-time PACs (also known as pre-authorized debits or PADs) programmed for March 3, a new process will be implemented for the 2025 investment period. In addition to the regular cycle launched in the morning, a second PAC cycle will be launched at 11 p.m. on March 3, 2025. 

Since the beginning of the year, we have noticed an increase in the number of cases of insufficient funds in clients’ AWDs.

Investia’s Compliance Policies & Procedures Manual (“CPPM”) has been updated to reflect recent policy changes and enhancements arising from internal and regulatory developments.

For ease of reference, below is a list of high-level material changes made to the CPPM:

Please find below some key reminders regarding letters of indemnity (“LOIs”).

With the high volume of documents we receive, we would like to remind you of a few best practices for uploading documents to imaging via the Secure File Upload tool.

Please note that Monday, February 17, is a statutory holiday in several provinces, including Ontario, which means that markets and Fundserv will be closed and no trading or settlement will take place on that day. 

Click here to get a summary of key information to help you prepare for this year’s RRSP season.

Following the October 3 communication regarding incorrect market values in some Investia GIC nominee accounts, we have made the necessary corrections to address the discrepancies. These corrections applied to the following cases:

• Errors in GIC market value following an internal transfer transaction between nominee plans;
  
  
• Minor discrepancies in the GIC market value, for certain issuers only, where Univeris showed an extra day in the interest calculation during leap years, while some issuers did not.
  

This memo provides clarification on the witness signature process for client signatures on documents and the use of our electronic consent (E-Signature) tool. 

With RRSP and tax season in full swing and in an effort to reduce compliance delays and inquiries, you will find useful information below that we hope will enhance your client relationships, streamline meetings, and make your administrative tasks easier.

Please take note of the following changes and reminders regarding our exchange traded fund (ETF) process:

We would like to inform you that we’ll regularly be updating you on the progress of our tax slip and fee-based invoice mailing process via The 360 Newsletter.

Due to recent technological and legal changes, we would like to remind you that the Order Instruction Form for Systematic Withdrawals (F51-326A) for nominee accounts has been updated.

As such, effective January 31, 2025, any version of the AWD form prior to 24-11 will be rejected, and the request will need to be resubmitted on the current version, even if all the required information was provided with the request. 

The Investia Relationship Disclosure Information Document (“RDID”) has been recently reviewed and amended. The key reasons for these changes are as follows:

• Regulatory requirements: To address conflicts arising from fee-based accounts; and
  
  
• Industry changes: The MFDA Client Complaint Information Form (CCIF) has been replaced with the CIRO Complaints Brochure.
  

Click here to save the dates for the 2025 Virtual Best Business Practice Roadshows.

Clients can request to have their 10% free and mature units automatically converted into 0% front-end load funds at the end of the year. Below are important reminders pertaining to this process:

Please find below some key reminders regarding letters of indemnity (“LOIs”).

As a reminder, below are four useful tips which will help streamline the processing of estate requests and ensure the timely liquidation of deceased client accounts with the executor and/or beneficiaries:

Please be advised that we will be conducting system maintenance tomorrow, Friday, January 31, 2025. 

Please be advised that Q4 client statements (from October 1 to December 31, 2024) will be available in the Investia Client Portal before the end of the week for clients registered for e-delivery. Clients who have opted to receive paper statements will have their statements mailed out shortly. 

As we mentioned in our December 12 communication (ref. Updated AWD Forms & Adjustments to Administrative Procedures 34 & 34A), due to recent technological and legal changes, the Order Instruction Form for Systematic Withdrawals (F51-326A) for nominee accounts has been updated.

We would like to inform you that the presentation accreditation process for last year’s Virtual Conference for Administrative Personnel, held on October 29 and 30, 2024, is now complete. Please find below the details of CE credits granted for each eligible presentation.

We would like to thank everyone who joined our Virtual Water Cooler Chat last Thursday. For those who missed it, you can watch the presentation by clicking on the recording link below. 

In response to questions recently received about the calculation of LIF plan maximum amounts, below you will find a useful support document. 

We have been actively working on improving the electronic signature tool by upgrading the underlying technology supporting the signature process.  

Click here to save the dates for the 2025 National Business Conference.

As a reminder, November 30, 2025 is the end of the current continuing education (“CE”) reporting cycle for CIRO registrants (Representatives, Associate Advisors, Junior Advisors, Licensed Assistants, Branch Managers). 

Kickstart your RRSP season with ease! Below you will find this year’s RRSP loan chart, highlighting our exclusive agreements with our key partners (iA Trust, B2B Bank, Manulife).

Clients can request to have their 10% free and mature units automatically converted into 0% front-end load funds at the end of the year. Here is how to request this conversion, based on the type of account:

Please find below some key reminders regarding letters of indemnity (“LOIs”).

Click here to get a summary of key information to help you prepare for this year’s RRSP season.

Please find below some key reminders regarding letters of indemnity (“LOIs”).

In order to streamline the processing of estate requests and ensure the timely liquidation of a deceased client’s account with the executor and/or beneficiaries, here are four useful tips:

As you may already know, the purpose of National Instrument 54-101 is to provide greater protection for investors by regulating the sharing of personal data with various organizations, including, among others, issuers of exchange traded funds (“ETFs”).

As part of this initiative, we are required to obtain our clients’ explicit authorization for the transmission of their personal information to these entities, or their refusal to do so. 

We are happy to present the full range of online group training courses available this quarter on Investia Learning (How to Register?).

Click here to save the dates for the 2025 National Business Conference.

Click here to read Louis’ heartfelt Holiday message, filled with gratitude and inspiring reflections for the year ahead.

Happy Holidays!

As you may have heard, Canada Post resumed operations on December 17, but mail delivery delays are expected over the next few weeks. 

We would like to thank everyone who attended our Virtual Water Cooler Chat last Thursday. For those of you who missed it, you can watch the presentation by clicking on the following recording link: 

To ensure our clients’ records are current and compliant, more fund companies now require the federal business number, in addition to the NEQ for Quebec. Some fund companies have already reached out to you regarding this. Therefore, we remind you that it is your responsibility to add this information to the company details in Univeris. 

Please be advised that the Product Review Committee will be taking a break for two weeks. Specifically, there will be no product approval/review process from December 23, 2024 to January 3, 2025 inclusively for the following products:

• Exchange traded funds (ETF)
• Liquid alternative funds
• Exempt market products
  

Please be advised that effective November 28, 2024, the risk rating of each the following funds was increased by Dynamic Funds (“DYN”):

A mandatory Univeris upgrade is required on Tuesday, December 31, 2024, between 4:00 p.m. and 11:00 p.m. ET. During this time, Univeris will be unavailable.

As a reminder, Head Office operating hours during the Holiday season are as follows:

December 24: 8:00 a.m. to 2 p.m. (reduced staff)
December 25 & 26: closed
December 27, 30 & 31: 8:00 a.m. to 5 p.m.
January 1: closed
January 2: 8:00 a.m. to 5 p.m. (reduced staff)

Given the ongoing Canada Post strike, which is likely to extend through the holidays, we strongly advise you to prompt your clients to sign up for the Client Portal and e-delivery as soon as possible, if they haven’t done so already. This will ensure they receive their next quarterly statement as well as their tax slips on time. We remind you that clients can change their document  delivery preferences on the Client Portal at any time.

With the end of the year fast approaching, we would like to provide you with some important reminders to help you prepare for this period.

Due to recent technological and legal changes, the following documents have been updated accordingly:

• Order Instruction Forms for Systematic Withdrawals (F51-326A for nominee accounts and F51-394A for client-name accounts*); and
  
  
• Administrative Procedures #34 and #34A related to automatic withdrawal deposits (AWDs) (for client-name/intermediary and nominee accounts, respectively).

This memo aims to provide clarification regarding the witness confirmation process for client signatures on legal documents. Recently, there have been issues with documents not meeting the necessary requirements. 

Good news! We have collaborated closely with the iA Clarington team to make accessing their Advisor Hub easier for you.

It can sometimes be tricky to find relevant, up-to-date content, tools and promotional materials that meet your clients’ specific needs.

To assist you, if you don’t already know it, the document included herein, Investia Marketing Materials for Clients, summarizes our marketing resources for clients.

Please be advised that effective December 6, 2024, the risk rating of each of the following funds was increased by Fidelity Investments Canada ULC (“FID”):

We would like to remind you that your mutual fund licence with Investia will expire on December 31, 2024 and will be automatically renewed for 2025 unless we have received written notification of your resignation (or your license cancellation request) no later than December 15, 2024.

As you know, maintaining accurate and current information about your clients’ financial circumstances is essential. This also applies to non-financial details. As a reminder, it is the Representative’s responsibility to maintain and update client data in Univeris and send backup documentation to Imaging for dealer record-keeping purposes. As  stated in the November 7, 2024 communication, starting this week, any non-financial changes submitted to head office for processing will not be processed and will be redirected to Imaging without any action taken by head office. 

Due to the ongoing labour dispute at Canada Post, and in the event that the strike continues after the holidays, we strongly recommend that you encourage your clients to register for the Client Portal and e-delivery now, if they have not already done so, to ensure that they receive their next quarterly statement in a timely manner. As a reminder, clients can change their document  delivery preferences on the Client Portal at any time.

Please note that effective January 1, 2025, Quebec’s life income fund (“LIF”) accounts will undergo changes to offer more flexibility in accessing retirement savings for people aged 55 and over in accordance with Quebec’s Regulation to amend the Regulation respecting supplemental pension plans (the “Regulation”). Changes to Quebec LIF accounts set out in the Regulation include the following:

We would like to remind you that your mutual fund licence with Investia will expire on December 31, 2024 and will be automatically renewed for 2025 unless we have received written notification of your resignation (or your license cancellation request) no later than December 15, 2024.

This year, Investia, in collaboration with iA Financial Group, is once again providing you with the opportunity to take advantage of competitive group pricing if you subscribe to Morningstar’s Advisor Workstation investment platform.

The holiday season is just around the corner! This year, you can order paper or virtual cards to send holiday greetings to your clients and business partners. 

Pension buy backs are time-sensitive and are considered transfer outs. As such, they follow the same procedures and processing timeframes as all other transfer out requests.

Please be advised of the following update to the “Unsuitable” tile in the Advisor Dashboard regarding currency conversion.

Good news! As discussed in our last Water Cooler session, the Advisor Centre’s managing client banking information section has been enhanced with a new automated character recognition tool.

In light of recent technological advancements and in line with our commitment to meet regulatory audit requirements, we have implemented the necessary updates to our three New Account Application Forms (for intermediary/client-name, nominee and nominee TFSA accounts) and KYC Update Form. Below is a summary of the main changes.

With the end of the year fast approaching, we would like to provide you with some important reminders to help you prepare for this period.