Investments recommendations and sales are provided through Aligned Capital Partners Inc.

Readers should be aware that investment markets have inherent risks and there can be no guarantee of future profits.  Likewise, past performance does not ensure future results.  Recommendations are subject to change at any time.  Mutual funds are sold by prospectus & fund facts, and Segregated Funds (variable annuities) by information folder.

The information on this site is intended to provide authoritative and reliable information regarding retirement income planning in today’s financial environment.

Situations and recommendations may change based on legislative amendments or the availability of new financial service products in the marketplace.

The book – Fearless Retirement and the material on its related websites (, and was created with the understanding that neither the Author nor the Publisher is engaged in rendering legal, accounting, financial, investment or any other professional advice or services by publishing these materials.  A professional in any of the above stated areas of specialization should be consulted regarding questions pertaining to any individuals personal finances.  Each individual’s financial situation should be carefully considered to reflect those particular criteria before considering any financial strategy.

Case studies and examples on this site or in the book are hypothetical in nature and are not based on real people or clients of the author.  They were used for illustrative purposes only as a way to further explain concepts presented in this work.

The Author and Publisher specifically disclaim any liability, loss, or risk that is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this work.

Although the author, Conrad Toner is an Investment Representative with Aligned Capital Partners Inc., Aligned Capital Partners Inc. has not approved nor does it endorse the content or any recommendations and/or opinions contained in this publication.