← Home

Disclosures

Last updated: October 12, 2026

1. Who I am and what I am licensed to do

I operate Ash Money Mentor as an independent licensed financial professional in Ontario. My licence is issued by the Financial Services Regulatory Authority of Ontario (FSRA).

• Name on licenceABDUL REHMAN, ASHFAQ
• LicenceLife and accident & sickness insurance licence, Ontario. Licence no. 20180533
• What it allowsOffering guidance on and arranging life, health, disability, critical illness and similar insurance, and segregated fund contracts, which are insurance-company investment contracts offered under a life licence.
• What I do not doI am not licensed to sell mutual funds, stocks, bonds, exchange-traded funds or other securities, and I do not give tax, legal or accounting advice.

How I describe myself: I am a licensed financial professional, and that is the only professional title I use. I am not a broker, and Ash Money Mentor is an operating name, not an insurance company, bank or trust company.

FSRA licenses and supervises insurance professionals and oversees how they deal with consumers. A licence does not mean FSRA has approved or endorsed my services, products or this website. You can check my licence on the FSRA website at fsrao.ca.

2. My relationship with insurers and my licensing agency

• I am self-employed. I am not an employee, officer or partner of any insurance company, bank or financial institution.
• I am contracted through a licensed insurance agency that provides access to insurance companies and their products and supports my compliance obligations. Before any insurance transaction I will give you written details of that relationship, including the legal name of the agency and the insurer involved.
• I can offer only the products of the insurers available to me through my contracts. This is not the whole market. A product or company that is not available to me may suit you better, and I encourage you to compare options.
• Insurance products are contracts between you and the insurance company. I do not issue policies, make underwriting decisions or guarantee that an application will be approved.
• Unless it clearly says so, this website is my own and does not speak for any insurer or other company, and statements here are not statements made by an insurer.

3. How I am paid and conflicts

How I am paid. I am generally paid commissions by insurance companies, usually through the agency I am contracted with, when a client buys or keeps an insurance product through me. Depending on the product, this may include a first-year commission and ongoing renewal or service commissions. Commission rates vary by insurer and product. The commission is included in the cost of the product, so you do not pay it to me separately.

What I do not charge. I do not charge you for this website, the calculators, the downloadable reports, an initial consultation or the free financial review and presentation. I do not charge hidden fees. Costs inside a product, such as premiums, management or insurance charges, and surrender or withdrawal charges, are set by the insurer and are described in the product's documents. If I ever offered a service for a fee paid by you, I would explain it and agree the amount with you in writing before starting.

Potential conflict. Because I am paid by insurers when a product is sold, I have a financial stake in a sale, and different products may pay me different amounts. That is a conflict. To manage it, I:

• ask about your needs, goals, finances and comfort with risk before recommending anything, and recommend only what I reasonably believe is suitable for you;
• explain the main features, costs, risks and alternatives, including the option of doing nothing or not buying;
• keep notes and written reasons for my recommendations; and
• tell you about any other actual or potential conflict that I become aware of.

I do not give or accept gifts, rebates or other inducements to buy insurance, and I will not make one product conditional on the purchase of another. I may have other business or professional activities; I will tell you about any that could reasonably affect my independence in dealing with you.

4. Written disclosure before any insurance sale

Before you buy an insurance product through me, I will give you a written written disclosure that sets out, in plain language:

• who I am and how I am licensed;
• the insurance company you would be dealing with and my relationship with it and with my agency;
• whether I have any financial or other stake in the transaction, including the right to receive commission and who pays it; and
• any conflict connected with my recommendation.

You do not need to proceed with a purchase if you are not comfortable. Please ask me any questions at any time.

5. Education only: calculators, reports, articles and videos

• The Compound Growth and TFSA calculators, charts, downloadable PDF reports, articles, quick tips, case studies, newsletters and videos are illustrations for learning. They are not personalized advice or a recommendation to take any action.
• Results rely on assumptions you enter, such as a constant rate of return, regular deposits and inflation. Real returns vary, can be negative, and are not guaranteed. The calculators do not account for fees, taxes, contribution limits or changes in your situation unless they say so.
• Comparison savings rates are approximate figures as of the date shown on the calculator, taken from public sources, and change often. They are not an offer from any financial institution. Actual rates depend on the institution and account.
• TFSA, RRSP, RESP, FHSA and similar rules, limits and benefits change. Confirm your own contribution room and eligibility with the Canada Revenue Agency.
• Information may become out of date. The date on a page, post or report shows when it was prepared. Check that it still applies before you rely on it.
• Nothing here creates a client relationship. That begins only when we both sign the documents for a specific engagement.

6. Social media and other online content

These points apply to everything I publish or share on Facebook, LinkedIn, Instagram, YouTube or any other platform, to videos, podcasts, webinars, live sessions, newsletters, text messages, comments and direct messages (together, "online content"):

• Educational purposes only. Online content is general information to help people learn about money, insurance and planning. It is not advice, a solicitation, an endorsement of any product or provider, or a promise of any result.
• Do not take it at face value. Posts are short, general and written for a broad audience. They may leave out details that matter to you. Always speak with a licensed financial professional, an accountant or tax professional, and a lawyer about your own circumstances before making a decision.
• Examples are illustrations. Figures, scenarios, case studies and success stories are hypothetical or simplified unless clearly stated otherwise. Past results do not predict future outcomes. Any figures are rounded and based on stated assumptions.
• No client relationship from a post or message. Liking, following, commenting on or messaging me does not make you a client. I cannot give personal advice or deal with account matters through social media.
• Keep it private. Please do not share personal, financial, health or account details in comments or direct messages. I may ask you to move to a secure channel, such as a call, a meeting or encrypted email.
• Opinions are my own. My online content reflects my own views and does not represent any insurer, agency, employer or other organization.
• Comments and third parties. Opinions that other people post are theirs. I do not verify their claims, and a like or share is not an endorsement. I may remove comments that are offensive, misleading, promotional or that include personal information.
• Messages are not monitored around the clock. Do not use social media for urgent or time-sensitive matters, such as a claim or a deadline.
• Platform rules. The platforms are run by third parties with their own terms and privacy practices. I am not responsible for them.

7. Risks, guarantees and tax

• Investments, including segregated fund contracts, involve risk. The value of your investment may rise or fall, you may get back less than you put in, and guarantees apply only as written in the contract and only if its conditions are met. Read the information folder and contract before you invest.
• Insurance is subject to underwriting and the insurer's terms, exclusions, waiting periods, limitations and eligibility rules. Coverage is not in place until the insurer approves your application and the policy is issued.
• Where tax benefits are discussed, such as tax-deferred growth, tax-free withdrawals or tax-advantaged treatment, whether and how much they apply depends on your personal situation and on tax laws that can change. Only a thorough review of your own situation can show whether you would benefit. Please check with your accountant or tax professional.
• I do not guarantee rates of return, product performance, premiums, approval, savings or any outcome.

8. Your information and the importance of accuracy

My recommendations rely on information you give me. Please be complete and accurate, and tell me promptly if anything changes. Mistakes or omissions in an insurance application can lead to a claim being denied or a policy being cancelled. Your personal information is handled as described in my Privacy Policy.

9. Replacing existing insurance

Replacing an existing policy can cause you to lose benefits, face new waiting periods, pay higher premiums or lose coverage if you are no longer insurable. Please do not cancel or change an existing policy before a replacement is approved and in force. If a replacement is being considered, I will give you the written disclosure the law requires and explain the differences, including the possible disadvantages.

10. Professional liability insurance

As a licensed financial professional, I carry errors and omissions (professional liability) insurance, which is required to be licensed to sell insurance through my agency. It is intended to respond to certain claims arising from my licensed insurance activities. It does not guarantee any outcome, and its terms, limits and exclusions apply. Ask me if you would like to know more.

11. Identity checks and record keeping

Federal anti-money-laundering and anti-terrorist-financing rules, and insurers' own requirements, may require me or the insurer to verify your identity, ask about the source of funds, and keep records. I keep client files, including my notes, needs analysis, written reasons and disclosures, for the period required by law and regulators, commonly up to seven years after the relationship ends.

12. Third-party links and case studies

Links to government and other third-party sites, such as those under "Helpful links", are shown for convenience. I do not control or endorse them and cannot guarantee that they are accurate, complete or current. Case studies on this site are hypothetical. Names and details are invented or changed, and any resemblance to real people is coincidental.

13. Complaints and regulators

I want to hear about any concern. Please contact me first:

Ash Money Mentor, attention: Complaints
Unit 211 - 111 Brunel Rd, Mississauga, ON L4Z 3E9
Email: ashfaq.azadhussain@gmail.com  |  Phone: 437.981.4411

1. Tell me what happened, what you would like done, and how to reach you. A complaint can be verbal or written; writing helps both of us keep a clear record.
2. I will acknowledge it promptly, aim to give you a written response within 30 days, and explain my decision and your options.
3. Complaints about insurance activities are also reviewed through my licensing agency's complaint process and, where required, shared with the insurer involved.
4. If you are not satisfied, you may take your concern further without cost to you, including to:
   • The insurer's complaint process, for product or claim issues.
   • The OmbudService for Life & Health Insurance (OLHI), an independent service for life and health insurance complaints: olhi.ca.
   • The Financial Services Regulatory Authority of Ontario (FSRA), which licenses and supervises insurance licence holders: fsrao.ca.

Making a complaint does not affect your right to take other action, and the contact details above may change, so please check the organization's website for current information.

14. Related documents

Please also read my Privacy Policy and my Terms and Conditions. If anything here conflicts with the written disclosure, policy or contract for a specific product, that specific document applies to that product.

These disclosures are general information about my practice. They are not legal advice and may be updated at any time. The date at the top shows the latest version.