The information in this guide is provided for educational purposes only, without any warranty or guarantee. The author specifically disclaims any liability, losses, or risk that is incurred, directly or indirectly, as a consequence of using or applying any of the advice, suggestions, or recommendations presented in this guide. The information provided in this guide applies specifically to the Canadian investing and regulatory environment and may not be applicable in other countries or jurisdictions.

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The author assumes that you understand that investments in any company or financial product present a risk of financial loss. You must make your own decisions and assume all risks associated with the use of the information provided in this guide. If you require financial, legal, or other specialist advice, it is recommended that you retain the services of an independent, qualified, professional expert.

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Readers should be aware that the author has no formal education, training, or professional designations in finance, investing, or related disciplines, and has never worked in the financial industry. The information presented in this guide was acquired from reading more than two hundred books on the subject, together with the author’s experience successfully managing his retirement portfolio.

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The information in this guide has been obtained from sources believed to be reliable, and the author has used his best efforts to provide accurate information, including information as to the source of the ideas, passages, and quotations that appear in the guide. However, there are no warranties or guarantees with respect to the accuracy, completeness, or timeliness of the information provided, and the author apologizes for any misattribution of, or failure to attribute, the ideas, passages, and quotations that appear in the guide.

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The strategy and information presented in this guide may not be suitable for everyone, and no guarantee is given that you will achieve your financial goals. The author is not rendering professional legal, accounting, tax, or investing advice or services, or any other advice or services, by publishing this guide.

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