Welcome to fdp

If you have several accounts, each is shown by type of account:​

	Registered investment accounts
	Non-registered investment accounts

The colored pie charts offer two ways to look at the consolidated asset allocation of your entire portfolio. Values are expressed as a percentage.​

	The overall account allocation shows all your assets according to the three main types of investments: retirement plan, other registered investments and non-registered investments.
	The overall asset allocation shows your portfolio in terms of diversification by asset class: fixed income, equities and other investments. Also shown is the proportion of assets held in the Canadian market relative to the global market.

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This section is a supplement to the account statement.

The return is presented separately for each account and not for the overall portfolio.

	It contains information on the current value and the change in value (in dollars).
	It shows the overall performance of your investments after charges (as a percentage).
	Over time, this report will include information for different time periods: year-to-date, 1 year, 3 years, 5 years.

This section is a supplement to the account statement.

	It shows the fees and management fees charged and paid directly or indirectly to fdp during the last quarter, and implicitly year to date, for each account held at fdp. These charges have already been deducted from the returns previously shown.
	Under certain conditions, fees and management fees may be tax deductible. This applies to non-registered investments only.

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	Your contact information
	Contact information of your advisor and their assistant
	Previous statement market value
	Current market value
	Percent of assets.

The consolidated statement of all your accounts is systematically issued around the 15th day following the end of each quarter (March, June, September, December).

The monthly account statement is issued around the 15th day following the end of each month only when there is a transaction other than a payment of income. However, for regulatory purposes, this statement will be systematically issued for each quarter, whether or not there has been a transaction other than a payment of income. That is why you have access to two statements per quarter.

Depending on the type of transaction and depending on the investment platform, a trade confirmation is generally issued immediately after activity is recorded in your account.

These documents will either be mailed to you or you will be able to access them online in your Private Area, according to the communication preference established with your advisor. Regardless of the communication method chosen, all these documents will be posted in your Private Area.

To make an appointment, we suggest that you contact your advisor’s assistant by email or telephone. The assistant will be able to set up your next meeting.

For any transaction, you must contact your advisor or their assistant. Instructions can be given to them by email or telephone. Note, however, that a transaction order cannot be processed by simply leaving a voicemail message.

You don’t have the necessary contact information? Go to the Contact Us page to obtain it.

When we receive a formal withdrawal request, we process it immediately. You will receive the amount by electronic funds transfer usually within three to five business days. This allows us to generate the funds that will be sent to you. Note that withdrawals subject to tax may take longer. If you are not using electronic funds transfer, we will send you a cheque by mail.

If you withdraw money from your RRSP, tax will be withheld at source and you may have to pay additional tax when you file your tax return.

Under a government program and according to certain rules, you can withdraw money from your RRSP to pay for your education (LLP) or buy your first home (HBP).

To draw income from your RRSP, you can convert it to an RRIF, an annuity, or both.

For more information, contact your advisor or see the RRSP and RRIF sections (link) of our website.

You can withdraw funds from a TFSA without paying tax. Amounts withdrawn during the current calendar year are added to your unused contribution room for the following year. For more information, contact your advisor or consult the TFSA section of our website.

As with your statements, your tax slips are made available to you according to the communication preference established with your advisor (by mail or online access in your Private Area). However, some slips are systematically mailed, regardless of your choice.

Regardless of your communication preference, all these documents will be posted in your Private Area, where you can view and download your tax slips under the Your Documents tab. Note that the statements are accessible from the account opening date for the current year and for the previous seven years.

In addition to complying with the accreditation and continuing education standards set by the Investment Industry Regulatory Organization of Canada (IIROC) and the Autorité des marchés financiers (AMF), all fdp advisors hold the financial planner designation from the Institut québécois de planification financière (IQPF).

In addition, their assistants have up-to-date Canadian Securities Course (CSC®) and Conduct and Practices Handbook Course (CPH®) certification.

At fdp, protecting your privacy and the personal information you entrust to us is a priority. We comply with the Act respecting the protection of personal information in the private sector. Our Chief Compliance Officer is responsible for ensuring compliance with this Act. For more details, see our Privacy Policy.

Your satisfaction is important to us. That’s why at any time and in complete confidentiality, you can send us your questions and inform us of any dissatisfaction or breach of confidentiality of which you believe you are the victim. The procedure for contacting us by phone, email or mail is described here.