*Mutual funds, investment pools and wrap accounts (mutual funds) are offered through Worldsource Financial Management Inc. Other products and services are offered through Howe & Gramlich Wealth Management. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canadian Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual fund values change frequently and past performance may not be repeated. Read the prospectus carefully before investing.