OUR MISSIONAND CORPORATE VALUESProSphere Financial Group inc.

We aim to help our clients educate themselves financially. We believe that when they understand their financial situation, we are more able to help them grow their wealth safely and with the utmost respect for core values.

Professionnalism• To act with respect with our attitude and image.

Action• To fulfill our promises.

Integrity• To act in the interests of the client.

Empathy• To listen to the customer to better understand his situation.

VALUES

MISSION

OUR PROFESSIONNALSERVICESGiving advice to professionals, companies and individuals about employee benefits, retirement planning and financial security.

• Group insurance and retirement services

• Wide range of products from leading financial institutions

• Support of succession planning

• Investment strategy and asset allocation

• Integrated financial planning

• Risk management

CUSTOM SOLUTIONS

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YOU

YOUR PLANNING TEAM

NEWBUSINESS1. Capital investment

2. Debts settlement

BOOMINGBUSINESS1. Retained earnings

2. Debts settlement

3. Benefits

4. Benefits for managers

5. Retirement planning

BUSINESS IN DEVELOPMENT1. Capital investment 3. Key people

2. Debts settlement 4. Benefits

ESTABLISHED BUSINESS1. Retained earnings 6. Estate planning

2. Debts settlement 7. Transfer planning

3. Benefits 8. Family trust

4. Benefits form managers 9. Charitable giving

5. Retirement planning

• Administrative and Customer Support Team

• Banker / Trustee

• Benefits Specialist

• Board of directors

• Broker / Consultant Investment

• Disability Specialist

• Estate Planning Expert

• Financial Security Advisor

• Lawyer / Tax Adviser

• Retirement Planning Specialist

CUSTOMSOLUTIONSOffered by your team and our team of resources

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GROUP INSURANCEPREMIUM COMPOSITION

PREVENTIVEAPPROACHOF PROSPHERE FINANCIAL GROUP INC

• Follow-up meeting on the results of your claims (experience) for efficient cost management

• Employee awareness of the impact of their claims against the increased costs

• Presentation to demonstrate the importance of being healthy

• Questionnaire available for each employee, to adopt healthier lifestyles

• Prevention plan in connection with the results of the questionnaire

• Special offer for the employees assistance program (EAP) Custom

• Human resources management support

ADMINISTRATIVE FEES

• Profits

• Administration

• Brokers’ commissionClaims65 % to 85 %

Administrativefees15 % to 35 %

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BUSINESS SUCCESSIONA well structured succession plan ensures that your wishes will be respected in the event of your premature death or inability to run your business.

It can also help you retire or get a retirement income. The succession planning for your business requires that you ask yourself some tough questions.

• Upon my death, how do I divide my estate among my family members in a fair andequitable way ?

• Who will manage my business and how can I ensure that it continues to function well ?

• What are my other assets and to whom will I leave them ?

• What degree of control over my business will I keep at retirement ?

• From what source the money financing the purchase of my business and my retirementwill come from ?

OUR SERVICESTO BUSINESS

BUSINESS PLANNINGWith regard to your business, we will provide information on the following :

1. Creating a holding company

2. Sharing and protection of key people

3. Transfer your business

4. Estate freeze strategy

5. Buy and sell agreement

6. Executive compensation, etc.

GROUP INSURANCE AND RETIREMENT SERVICESWe carefully assess the needs of your business and the many decisions you make in relation to the structure of your plan to determine the type of plan that meets your needs. We help you choose :

• A favourable registered retirement savings plan for your business

• A group insurance plan that incorporates prevention and employees awareness elements

In addition, systematic information meetings are held with employees to help them make decisions.

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OUR SERVICESTO INDIVIDUALS

To understand your goals and needs, one of our financial security advisors will talk with you about managing your personal and business affairs. He will thoroughly analyze everything about your financial situation, present and future.

When your financial situation is clarified, he will suggest you proceed with a more decisive step :

1. Assessment of current situation

2. Determining your personal and professional goals

3. Analysis of results with your team of specialists

4. Written recommendations with blueprint

5. Implementation of the recommendations

6. Periodic review to suit your needs

We cannot avoid the inevitable. However, planning can help ensure the future of your family, manage your business, transfer the business to the next generation or make a donation to the charity close to your heart.

We know how to help you to maximize the transfer of your assets to the people dear to you while helping reduce the tax they have to pay.

ESTATE PLANNING

INTEGRATED FINANCIAL SECURITY PLANNING

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INVESTMENT STRATEGYASSET ALLOCATIONAccording to your financial situation and investments analysis, we will develop investment strategies and financial projections in line with your personal and professional financial goals.

Our range of investment products such as segregated funds, guaranteed income products, etc., will diversify your investment portfolio into the following four components :

1. Asset classes (cash, fixed income and equities)

2. Geographic areas (Canada, USA, International)

3. Management styles (value, growth, bottom up and top down)

4. Strategic application (Operating characteristic curve)

RISK MANAGEMENT AND INVESTMENT PROFILE

To properly assess the risk management, we have developed a method to help ensure your assets are managed according to your investment profile

• Statement of your investment policy

• Review of your investments

• Personalized investment plan

• Service agreement

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