SmartWealth Financial Incorporated


Ramon Desiderio, Azenith Magno-Desiderio, and other associates representing SmartWealth Financial Incorporated offer life, critical illness, disability, individual/group health insurance, segregated funds, and annuities, are licensed to sell life insurance products in certain jurisdictions (see Licenses for details).

As such, this communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not residents of Canada should consult with their financial advisors to determine if these financial products may be lawfully sold in their jurisdiction.

The contents of this Website are for information purposes only. The contents are intended as a reference tool to provide you with general information regarding your financial planning needs. Under no circumstances should the contents of this Website be considered as personalized financial, insurance, legal, accounting, tax, or other professional advice. It is not intended to replace personal financial planning with your financial security advisor or other professional advisors. While the information contained on this Website is believed to be reliable and accurate at the time of issue, SmartWealth Financial Incorporated does not guarantee, represent or warrant that the information contained in the software is accurate, complete, reliable, or error-free.

Commissions, trailing commissions, management fees, and expenses may all be associated with segregated funds. Please read the information folder before investing. Segregated funds are not guaranteed; their values change frequently and past performance may not be repeated.

Ramon Desiderio and SmartWealth Financial Incorporated are not licensed to sell individual stocks and mutual funds.

Ramon Desiderio, and SmartWealth Financial Incorporated will not be held liable for any inaccuracies in the information presented in any linked site from this Website.

The information in this communication is subject to change without notice.

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