The information on this site is for information purposes only. RY Financials, its affiliates, and licensed insurance agents/advisors assume no liability for any inaccurate, delayed or incomplete information, nor for any actions taken in reliance thereon. The information contained about each company and product has been obtained without verification by us. Certain links on this site may take you to other websites. The RY Financials provides these links only as a convenience and not as an endorsement. These linked sites are not under the control of us and hence are not monitored as well. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses and other destructive elements. The RY Financials is not responsible for the content of any such linked sites or any other web page that is not part of this site. Unless otherwise expressly provided, the RY Financials makes no representation or warranty regarding and does not endorse, any linked site or the information, products or services appearing thereon. Accordingly, you agree that the RY Financials will not be responsible or liable in any way for the accuracy, relevancy, copyright compliance, legality, or decency of material contained in any site linked from this site.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus and/or fund facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Subject to any applicable death and maturity guarantee, any part of the premium or other amounts that are allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund. A nominee account is one in which an investment is held in trust for an individual by a corporation or entity other than the individual. A segregated fund policy held within a self-directed plan is one example of investing in a nominee account. A segregated fund held in a nominee account may not offer creditor protection. Please read your Information Folder carefully and seek professional advice before investing. Commissions, trailing commissions, management fees and expenses may be associated with your insurance contract.

We work to provide you with products and services for insurance and investments products that you are interested in. The coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this website can depend on underwriting qualifications and state of regulations. If you feel that certain content of this site is not appropriate or is not correct, then please advise us at info@ry-financials.com earliest and we will do our best efforts to get it resolved.