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Brophy Financial Planning is proudly owned by G R Baird Financial Group

IMPORTANT – Please read these section carefully as your use of this website is governed by these Terms of Use.

Brophy Financial Planning provides information, newsletters, software, and forms (collectively, the “Materials”) on this website for your use subject to the following terms (“Terms of Use”). By accessing this website you are agreeing to be bound by the Terms of Use and all applicable laws and regulations. By accessing this website you also agree that you are responsible for compliance with any applicable local laws.

If you breach the Terms of Use, your licence to use this website is automatically terminated and you must destroy all Materials that you have obtained from this website, whether copied, downloaded, printed or otherwise. Brophy Financial Planning reserves the right to terminate your licence at any time without notice and the right to amend these Terms of Use at any time without notice. Your continued use of this website and all Materials accessed through this website are governed by the Terms of Use as posted at the time you access this website.


The contents of this site, including, but not limited to, all text, HTML code, Java code, images, graphics, icons, software and all other Materials on this website are protected by copyright and other intellectual property laws of Canada and international treaties. Brophy Financial Planning either owns or has obtained the rights to use such content on the website.

Grant of Licence

Brophy Financial Planning grants you a non-assignable and non-transferable limited licence to access and use (display, print, download) the Materials for your personal, non-commercial use. You are not permitted to copy, modify, reproduce, sell, rent, lease, loan, distribute, or otherwise dispose of, deal with or use the Materials for any public purpose or for any commercial gain.


The Materials on this website are provided for educational or informational purposes only. The website is not intended to provide individual financial, tax, investment or other professional advice and should not be relied on as such.

Statements are based on Materials believed to be reliable, but are not guaranteed to be accurate or complete.

Particular investment or trading strategies should be evaluated relative to each individual’s objective.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Important information about any mutual fund is contained in its simplified prospectus, which should be read carefully before investing. Mutual funds are not insured, nor is the rate of return guaranteed, as unit values and investment returns will fluctuate. Past performance of a mutual fund is no indication for future performance.

Desjardins Financial Security Investments Inc. (DFS Investments) is a corporate body separate and apart from Desjardins Insurance (1). DFS Investments is a mutual dealer registered in every Canadian province and territory and an exempt market dealer registered in all provinces, except Manitoba. It is also registered in every Canadian province and territory for the distribution of insurance products. DFS Investments’ advisors may be qualified to provide advice on mutual funds, exempt market products and other investments products, among other things. In Québec, DFS Investments is also registered as a restricted dealer, a group insurance of persons and a financial planning firm. Unless otherwise indicated, investments in products distributed by DFS Investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public deposit insurance fund, as the case may be, nor are they guaranteed, in whole or in part, by Desjardins Insurance, and their value is subject to market fluctuations.

(1) Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products.


A) Except as expressly provided otherwise in a written agreement between you and Brophy Financial Planning, the Materials and services on this website are provided “as is” without warranties of any kind, either express or implied;

B) Brophy Financial Planning does not represent or warrant that the Materials or services on this website are accurate, complete or current or that the Materials or services on this website will be free from errors, viruses or other defects; and

C) You assume all risks in the transmission of any data or information to and from Brophy Financial Planning, including any interception by third parties. Brophy Financial Planning, its employees, consultants, and affiliated companies will not, under any circumstances, be liable for any damages, including, but not limited to, special, incidental, indirect, punitive, exemplary or consequential damages (such as damages resulting from use of or reliance on the website materials and services, loss of profits or loss of data), even if informed in advance of the possibility of such damages. In any event, Brophy Financial Planning’s aggregate liability to you arising out of or in connection with this agreement is limited to the amount of the fees paid by you to Brophy Financial Planning for use of the website Materials that is the subject of the claim.

Links to Other Websites

The links on this website to third party websites are provided for your convenience only. Brophy Financial Planning is not responsible for and does not endorse, control or make any representations or warranties as to the contents, products and services offered from third party websites. You are responsible for verifying the accuracy of the information contained in third party websites, for complying with the terms of use for such third party websites, and for reviewing and understanding the privacy policies of such websites. Use of any linked website is at your own risk.

These Terms of Use were last revised in July 2015.

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