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b'Financial mismanagement by financial institutions and brokers is affecting individuals, municipalities, universities, retirement plans and pension funds in Canada. Seniors have been hardest hit since low interest rates have reduced their retirement investment income, forcing them into potentially risky investments.\\n\\nArguably, there are systemic methods by which Provincial Securities Commissions violate or \\u201cexempt\\u201d Provincial Securities Act laws for the benefit of investment firms and brokers. This costs Canadians billions of dollars each year and has gone on for years without notice to the investing public. It is doing irreversible harm to our economy and to society. It also illustrates where government agencies and Provincial Securities Commissions are forgetting their mandate to protect Canadians. \\n\\nThe speaker will show how regulators are willfully blind to thousands of industry registrants who are legally registered in the capacity of \\u201cdealing representatives\\u201d. (Salespersons) \\nThousands of such product sellers owe no legal fiduciary duty to protect investors and are flaunting Securities Act laws. This is not what they promise investors.\\n\\nSpeaker: Larry Elford, retired CFP, CIM, FCSI, Associate Portfolio Manager\\n\\nLarry worked inside the largest financial institutions in Canada for twenty years until his retirement in 2004. Today he investigates, writes, speaks and coaches the public on how to obtain honest treatment for investors. He also does forensic investment account evaluations for victims of financial abuse. He produced a documentary film to benefit investors, legislators and those who investigate financial crime. \\n Larry is founder and executive director of a web forum dedicated to revealing predatory practices. He has appeared in two CTV W5 investigative reports on investment malpractice and has also participated in CBC news programs, and as a witness in Ottawa to Bill C-21 (Standing up for Victims of White Collar Crime Act 2010 ), as well as a Parliamentary Committee on Finance in April 2008\\n\\nModerator: Austin Fennell\\nDate: Thursday, April 14, 2016 \\nTime: Noon - 1:30 PM (30 minutes each for presentation, lunch and Q & A) \\nLocation: Country Kitchen Catering (Lower level of The Keg) 1715 Mayor Magrath Dr. S \\nCost: $11.00 (includes lunch) or $2.00 (includes coffee/tea)'