Disclosure Statement

‍Haven Wealth Management Ltd.

‍Haven Wealth Management Ltd. (“Haven”) provides financial planning and insurance advisory services to individuals and families across Canada.

This disclosure outlines the nature of services provided and how compensation may be received.

1. Financial Planning Services
Haven provides financial planning services, including: Retirement planning, Cash flow planning, Risk management analysis, Estate planning coordination, Insurance strategy, Financial planning services are consultative in nature and may be provided independently of product implementation.

2. Insurance Services
Insurance products are offered through appropriately licensed insurance channels.Compensation for insurance products is typically paid by the issuing insurance company in the form of commissions. These commissions are built into the product pricing and do not increase the premium paid by the client.Details of compensation are available upon request.

3. Investment & Securities Services
Haven Wealth Management Ltd. is not registered as a securities dealer or portfolio manager.Where investment management services are required, clients may be referred to an appropriately registered third-party investment firm.In such cases: The third-party firm is responsible for regulatory oversight, suitability, and portfolio management. Haven may receive a referral fee or revenue-sharing compensation arrangement.Any such compensation will be disclosed prior to engagement.Clients are under no obligation to use referred providers.

4. Compensation Transparency
Haven Wealth Management Ltd. may receive compensation through: Insurance commissions, Referral fees from registered investment firms, Financial planning fees (where applicable). Compensation structures will be disclosed before implementation.

5. No Guarantee
All financial strategies involve risk. Insurance and investment outcomes cannot be guaranteed.Past performance is not indicative of future results.

6. Informational Purpose
Information contained on this website is for general informational purposes only and does not constitute individualized financial, legal, or tax advice.

7. Contact
Josh Olfert, CFP®
President
Haven Wealth Management Ltd.
josh@investwithhaven.com