Disclaimer

This website is for general information only and is not intended to provide specific personalized advice
including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an
appropriate professional regarding your particular circumstances.

This website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation
is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

Ken Stern is an investment advisor and is also licensed for the sale of life insurance products. Ken Stern
is registered through separate organizations for each purpose and as such, you may be dealing with
more than one entity depending on the products purchased. Ken Stern will provide the name of the entity
being represented when insurance business is conducted. The sale of insurance products is not the
business of or under the supervision of Aligned Capital Partners Inc. (ACPI) and ACPI will not be liable or
responsible for such activities.

All non-securities related business conducted by Ken Stern is not in the capacity of an employee or agent
of ACPI and is not covered by the Canadian Investor Protection Fund (CIPF). Non-securities related
business includes, without limitation, advising in or selling any type of insurance product, advising in or
selling any type of mortgage service, estate and tax planning, bookkeeping, or tax return preparation.
Accordingly, ACPI is not liable and/or responsible for any non-securities related business conducted
by Ken Stern. Such non-securities related business is the responsibility of Ken Stern alone.
References in this website to third party goods or services should not be regarded as an endorsement of
these goods or services. By accessing any of the links provided you will be leaving the Ken
Stern website. Kern Stern is not responsible for the information contained on these external websites.
The information contained on this website is for general information purposes only and is the opinion of
the owners and writers. This information is not intended to provide specific personalized advice including,
without limitation, investment, financial, legal, accounting or tax advice. However, please call Ken Stern to
discuss your particular circumstances.

The information contained on this website is subject to change without notice. The owner and publisher of
this website are not liable for any inaccuracies in the information provided