About Our Services

1. Two Separate Business Entities

Please be advised that Sean Swaby operates through two distinct legal entities to provide you with a comprehensive financial experience:

Accounting, Tax & Bookkeeping

These services are provided through Swaby & Associates Ltd., an independent Canadian corporation.

Insurance & Investments

Life insurance and investment products are offered through Sean Swaby in his capacity as a licensed agent with World Financial Group Insurance Agency of Canada Inc. (WFG).

Swaby & Associates Ltd. and World Financial Group Insurance Agency of Canada Inc. are separate and unrelated legal entities.

2. Nature of the Relationship

While Sean Swaby provides expertise in both areas, the operations, records, and regulatory oversight for each business are maintained separately.

• Your tax and accounting files are governed by professional accounting standards and privacy laws related to tax preparation.
• Your insurance and investment files are governed by the provincial insurance regulators (such as FSRA in Ontario) and WFG's compliance standards.

3. Compensation and Commissions

Accounting Services

Fees for tax preparation and accounting are typically charged as a per schedule fee and/or hourly rate, as agreed upon between you and Swaby & Associates Ltd.

Insurance/Investment Services

If you choose to purchase an insurance policy or investment product, Sean Swaby will receive a commission from the insurance carrier (e.g., Manulife, iA Financial, Equitable Life).

You are under no obligation to purchase insurance or investment products as a condition of receiving accounting services.

4. Privacy and Information Sharing

We value your privacy. Information provided to Swaby & Associates Ltd. for tax purposes is not automatically shared with World Financial Group Insurance Agency of Canada Inc., and vice versa.

We will only share information between these two entities with your explicit, written consent to help optimize your overall financial plan.

5. Conflict of Interest

Sean Swaby is committed to acting in your best interest. Because he provides both tax and insurance advice, a potential conflict of interest may arise if a tax strategy involves the purchase of an insurance product.

We manage this by providing you with:

• Full transparency
• Multiple product options from various carriers
• The freedom to implement your financial plan with the provider of your choice