Client Rights and Responsibilities

Client Rights

  • A client is entitled to courteous service from his or her financial advisor and all other associates of our firm.
  • A client has the right to work with a trustworthy independent professional financial advisor who is competent in financial planning matters and investing, someone who will be available to answer questions and communicate with you on a regular basis.
  • All financial planning and investment recommendations should be based upon a client’s needs and objectives. Your JBL financial advisor is responsible for assisting you in the development of your own personalised financial plan as well as the implementation of such plan.
  • Each client has the right to expect that recommendations will be made consistent with the objective of enhancing his or her financial wellbeing.
  • A client has the right to know all costs associated with a financial product.
  • A JBL financial advisor should project reasonable, achievable results to prevent the formation of unreasonable expectations on the client’s part.
  • Information should be communicated understandably. You are entitled to easy-to understand descriptions of all recommendations and communications from us.
  • Errors should be corrected and complaints addressed promptly. Our complaints policy is designed to ensure a prompt and fair resolution of any complaint, should any problems arise.
  • Information about a client’s financial situation will be kept confidential. JBL has the highest regard for your privacy. We believe in your right to the privacy of your personal information.
  • A client has the right to select his or her JBL financial advisor. In the event that a client is uncomfortable or dissatisfied with a financial advisor, he or she has the right to ask the firm to suggest alternative professionals for consideration.

Client Responsibilities

  • A client should read and carefully review all contract documents immediately and promptly to ensure that they accurately reflect the transaction and your personal information. The client should report any errors to his or her financial advisor or our administration department.
  • A client should read and carefully review all contract documents immediately and promptly to ensure that it accurately reflect the transaction and your personal information. The client should report any errors to his or her financial advisor or our administration department.
  • Financial planning recommendations and/or other offering documents, when applicable, should be read carefully prior to making purchases. Any questions should be directed to your financial advisor. You should carefully consider all investment risks and/or considerations contained in the document. In the event that you do not receive a written recommendation, one should be requested. The time you dedicate to this decision-making process should reflect the financial importance of the decision.
  • A client should report changes in his or her financial and personal circumstances to the financial advisor in a timely fashion to assure recommendations reflect all relevant factors.
  • A client should make time to meet with his or her financial advisor on at least an annual basis, to review and possibly revise financial planning strategies and other investments based upon changing circumstances.
  • A client should understand that all investments have some degree of risk and it is possible to lose money on any investment.
  • A client should seek the advice of a tax professional, chartered accountant or attorney, as appropriate. Financial and investment planning inherently involve potential tax and legal implications. Your financial advisor is generally familiar with these implications. However, JBL Wealth Management and its financial advisors do not practice as lawyers, CA’s or tax practitioners and cannot give specific legal or tax advice.
  • A client should carefully consider the validity and reliability of investment information obtained from all sources, especially unsolicited information obtained over the Internet.