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As an investor, you are looking for returns that fit with your risk level. At Sinclair-Cockburn Financial Services we offer investment advice and financial services products tailored to your needs – whether you are a business professional, high net-worth individual or retiree.

Sinclair-Cockburn’s Mortgage Investment Corporation (MIC) is a unique opportunity for the high net-worth investor*. The MIC offers a solid rate of return and a great opportunity to invest in secured conventional and non-conventional mortgages. *(past performance may not be repeated and does not indicate future returns) The MIC also represents a non-correlated asset to traditional equity markets, allowing investors to diversify.

We also provide financial planning and financial services products to our clients. Our team of experienced financial advisors can help you plan a secure financial future and find the right investment opportunity through all the stages of your life. Whether you are starting a family and planning for education expenses or saving for retirement, we can help you devise a personalized financial plan that is right for you. With access to over 1,600 mutual funds and a wide range of other financial products, we ensure that you can access the funds that best suit your needs – for now and the future.

Sinclair-Cockburn is also a fully licensed mortgage broker. We can assist you in finding the most competitively priced mortgage on the market today and select the right type of mortgage for your situation. We provide the homebuyer with more options and a wider selection of loan products, saving you money and keeping you informed and educated on all aspects of the mortgage transaction. Instead of settling for the rate automatically quoted by your bank, let us scout the market on your behalf and find the rate and mortgage that’s right for you.

* Minimum investment required, sold through an offering memorandum. Must be an accredited investor. Only meant for solicitation to residents of Ontario.



A Unique Opportunity for the High Net-Worth Investor

Investment options for today's high net worth clients are more limited than they were five or ten years ago. Traditional vehicles like bonds and money market funds yield little returns, while more aggressive instruments, such as stocks, mutual funds or other equity-based holdings, have proved risky in recent years. Many investors with capital are looking for alternative investments.

Sinclair-Cockburn Mortgage Investment Corporation (MIC) provides a much-needed answer for the savvy investor. The MIC offers a solid rate of return and a great opportunity to invest in secured conventional and non-conventional mortgages. *(past performance may not be repeated and does not indicate future returns)

Here’s how it works: The MIC invests mainly in second mortgages with durations of no more than three years. It primarily invests in residential and, on rare occasions, commercial mortgages for properties located in Canada. However, the vast majority of the mortgages are in Ontario. A strict due diligence process includes an independent appraisal of the property, proof of income of the borrower (to support debt servicing) and a credit history of the borrower. Fund Manager Chris Pridham reviews the merits of each mortgage application. Sinclair-Cockburn lawyers handle all the legal work.

Sinclair-Cockburn Financial Services started underwriting and managing mortgages in 2001. In 2004, Sinclair-Cockburn Mortgage Investment Corporation (MIC) was created to meet the demand of our investors, who wanted to take advantage of investing thorough their Registered Retirement Accounts. The Mortgage Investment Corporation started with $3.3 million dollars and currently has $56,200,000 in the portfolio as of December 31, 2014.

Since inception, the fund has returned no less than 9% per year except for 2009 and 2010, where the rate of return was 8.29% and 8.65% respectively. If you had invested $100,000 on January 1st, 2005 and re-invested all distributions, your investment would be worth $265,980 as of December 31st, 2015.

Investors receive interest income quarterly and the MIC issues a T-5 in February. Annual management fees do not exceed 2.04% per year. All expenses are kept to a minimum to ensure the best use of investor’s funds.

SCMIC presents a unique opportunity for clients who are:

  • Accredited Investors*
  • Capable of investing $150,000
  • Looking for diversification
  • Frustrated with the limited options of the current investment climate

SCMIC offers:

  • Investment income paid quarterly
  • An investment opportunity specializing in first and second mortgages
  • An income investment producing rates of returns well above the rate of inflation*(past performance may not be repeated and does not indicate future returns)
  • A thorough due diligence process
  • Low management fees and expenses

If you are interested in learning more about this alternative, non-correlated stock market investment, please contact Chris Pridham at chris.pridham@scmic.ca or (905) 762-3388.

Financial Planning & Financial Services Products
Security takes many forms. From a secure lock on the door, to the peace of mind of knowing that when you want to slow down, your lifestyle doesn't have to slow down with you.
Over the years, Sinclair-Cockburn has seen some of its clients fail to translate their business success into a corresponding level of personal security. And we understand why. Running a business demands all your time and energy. Frequently there isn't enough left to make your way through the forest of financial products and services - all claiming to be the answer to your retirement goals.
That is why Sinclair-Cockburn has assembled a team of experienced financial advisors trained to take care of tomorrow's financial concerns, today. We understand the pitfalls and opportunities at each phase of your life cycle. We can provide independent, sound advice on which ones, of more than 1,600 mutual funds available, fit with your retirement goals. Together we can build a retirement portfolio that not only lets you sleep at night, it also lets you
dream a little.



Products


  • Mutual Funds
  • Labor Sponsor Funds
  • Retirement Savings Plans
  • Group Retirements Savings Plans
  • Individual Pension Plan
  • Registered Education Savings Plan
  • GICs & High-Interest Savings


Services

  • Financial Planning
  • Retirement Planning
  • Estate Planning
  • Tax Planning


Investor Privacy Notice

As an organization that collects, uses and discloses personal information, Sinclair-Cockburn Financial Services Inc., (“Sinclair Cockburn”) is subject to the federal Personal Information Protection and Electronic Document Act effective January 1st, 2004. In complying with these laws, it is important that Sinclair-Cockburn provide you with information so that you may fully understand the purposes for which your personal information is collected.

Collection of Information

Over the course of your relationship with Sinclair-Cockburn and your Representative, personal information will be collected to administer your account. Information essential for fulfilling most financial requests and applications includes:

  • Information establishing your identity, such as your name, address, phone number, title, business phone number, email address, date of birth, social insurance number or social security number (for tax purposes), and account numbers;
  • Information related to transactions arising from your relationship with and through us, and from other financial institutions;
  • Information you provide on an application for the provision of our products and services, such as your annual income, place of employment, investments, account balance, financial liabilities, transaction history;
  • Information pertaining to business clients will include your business name, address, phone number, email address, industry type, financial status and detail(s) on the owner(s), operator(s) and director(s).
  • Additional information may be requested to help us determine your eligibility for products and services that we offer.
Providing us with your information is always your choice. However, your decision to withhold particular details may limit or prevent us from providing the products or services you have asked for. It may also make it more difficult for us to advise you or suggest appropriate alternatives.

Purposes of Collection

This information allows us to meet our regulatory duty to “know our client” and act in your best interests in recommending the purchase or sale of investments on your behalf. It also allows us to report to you and administer your account in a manner that complies with regulations. We use your personal and financial information for the purposes communicated to you in your agreement(s) with us, for example to:
  • Verify your identity;
  • Provide you with the financial products and services requested;
  • Communicate to you any benefit, feature and other information about products and services you have with us;
  • Respond to any special needs or inquiries you may have;
  • Better understand your financial situation and determine your eligibility for products and services we offer;
  • Meet regulatory and legal requirements.
  • If we have your social insurance number or social security number, we may use it for tax related purposes and share it with the appropriate government agencies. We may also share it with credit reporting agencies as an aid to identify you.
Sharing of Information

At times, Sinclair-Cockburn may be required to provide this information to investment manufacturers and trust companies as well as securities and other regulators or law enforcement agencies. In particular, Sinclair-Cockburn is regulated by the Mutual Fund Dealers’ Association of Canada and the Ontario Securities Commission. These regulators may require access to the personal information of current and former clients, employees, agents, directors, officers, partners and others that has been collected or used by Sinclair-Cockburn. Regulators collect, use or disclose such personal information for regulatory purposes, including:
  • Surveillance of trading-related activity,
  • Sales and financial compliance review and other regulatory audits,
  • Investigation of potential regulatory and statutory violations,
  • Regulatory databases,
  • Enforcement or disciplinary proceedings,
  • Information-sharing with securities regulatory authorities, regulated Marketplaces and law enforcement agencies in any jurisdiction in connection with any of the foregoing.
We are committed to keeping your personal information confidential. We will only share your information with other third parties as indicated under your account agreement and under the following special circumstances:
  • To respond to valid and authorized information requests from domestic and international authorities;
  • As permitted or required by law, to comply with laws, regulations, subpoena or court order;
  • To help prevent fraud;
Please note: Sinclair-Cockburn must decline to accept or administer an account if you do not consent to collection, use or disclosure of personal information for these purposes. Therefore, by maintaining your account with Sinclair-Cockburn you have impliedly consented to our collecting, using and disclosing your personal information in the limited manner described above.

Sinclair-Cockburn does not disclose your information to any other organization(s) to use for their own purposes and in particular will never sell or trade your personal information.

Keeping Your Information Accurate

We do the utmost to ensure the information we have about you is accurate and complete. As we make decisions based on the information we have, we encourage you to help us keep our information current. Contact us at any time if you wish to verify the accuracy or update the information we have about you.

Your Dealing Representative’s Outside Businesses

In representing Sinclair-Cockburn in providing recommendations to you for the purchase and sale of investments, your Dealing Representative is acting on behalf of Sinclair-Cockburn Financial Services Inc. However, your Dealing Representative may also be licensed to sell other products or services which are not the business of Sinclair-Cockburn.

If you wish to review or make changes to your personal information you may do so by making a written request to Privacy Officer, Sinclair-Cockburn Financial Services Inc., 9140 Leslie Street, Unit 405, Richmond Hill, ON L4B 0A9

Should you have any questions or concerns regarding the use of your personal information we encourage you to speak with your Dealing Representative. Alternatively, you may contact the designated Privacy Officer for Sinclair-Cockburn via fax at 905.762.3377 or via email at financial@scmic.ca

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Risks You Should Know About

No securities regulatory authority has assessed the merits of any of the securities sold by SCFS or its representatives. The securities you are buying are not listed on any stock exchange, and they may never be listed. Particularly in the case of exempt products, (MICs), you may never be able to sell these securities.
The MIC is a non-reporting issuer. A non-reporting issuer does not have to publish financial information or notify the public of changes in its business. You may not receive ongoing information about this issuer.
Additional risks associated with the investment you are purchasing are set out in the Prospectus, Offering Memorandum and/or Subscription Agreement provided with your purchase. The MIC is considered a high risk investment. We ask and expect that you will read these carefully before purchasing your securities.



Contacts

  • Chris Pridham, CFP, AMP
    Certified Financial Planner
    Office 905-762-3388
    Fax 905-762-3377
    Toll Free 1-877-243-4575
    Email: chris.pridham@scmic.ca
                  
  • Matt Mitchell, CFP
    Financial Advisor
    Office 905-762-3372
    Fax 905-762-3377
    Toll Free 1-877-243-4575
    Email: matt.mitchell@scmic.ca

Complaints


To file a complaint in regards to any aspect of Sinclair-Cockburn Financial Services in respect to your investment portfolio, please contact:

May Ng
Chief Compliance Officer
Office: 905-762-3383
Fax: 905-762-3377
Toll Free: 1-877-243-4575
Email: may.ng@scmic.ca

Client Complaint Handling Procedure
Client Complaint Information Form
Relationship Disclosure Form




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9140 Leslie Street, Unit 405, Richmond Hill, ON L4B 0A9.
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