Presented by Don Xavier, Industry Veteran, Advisor, Speaker, Author, & Founder of VFG Financial Group. He is known for his high-energy, transformational sessions on Compliance and best practices, personal development and leadership.

In today’s evolving regulatory landscape, staying compliant

isn’t just about avoiding penalties - it’s about protecting your

clients, your reputation, and your business. This COMPLIANCE

seminar is your opportunity to gain critical insights, earn 4 CE credits, and sharpen your professional edge.

Attending a compliance workshop/seminar is more than just checking a regulatory box - it’s a strategic move that protects your practice, enhances your credibility, and positions you for long-term success.

Join us for this workshop/seminar designed to elevate your compliance confidence. Whether you're an advisor, MGA, insurer, or support staff, this masterclass delivers segmented insights, practical frameworks, and province-specific updates to help you stay ahead of regulatory shifts.

Are You Ready to Elevate Your Financial Advising Practice with Practical Tools to Navigate Evolving Compliance Requirements?

“8 CORE COMPLIANCE FOUNDATION PRINCIPLES Webinar”

Thursday February 12, 2026

12 PM to 4 PM 

Attend the LIVE Webinar for the half-day and

earn 4 CE credits for attending

LIVE Webinar Registration - $249.00 + taxes

LIVE WEBCAST Times are based on Toronto, ON Times.

Corporate LIVE Webinar bulk purchases of

10 registrations - $1999.00 + taxes - (a corporate savings of almost $500). Email adam@pro-seminars.com about this registration package.

Your Registration Investment Includes:

• A suitable for framing Compliance certificate that you can display or show your clients and prospects attesting to the fact that you participated in this “ Exclusive” 8 Core Compliance Foundation Principles Seminar” 
• Training Seminar CE Credit Certificate will be emailed immediately after the seminar

4 CE credits for – BC, AB (AIC# 74786), SK, MB (ICM# 48556), ON, IIROC, MFDA & many Designations

In today’s fast-evolving financial landscape, staying compliant, securing client trust, and protecting your business from cyber threats are non-negotiable. Join us for an exclusive “LIVE” in-person or “LIVE” webcast seminar featuring Don Xavier as he unveils the 8 CORE COMPLIANCE FOUNDATION PRINCIPLES

 

This seminar is your chance to gain actionable strategies, master compliance, and future-proof your advisory business—all in one transformative day!

WHAT WILL BE COVERED AND WHY?

The FSRA in Ontario is implementing serious Compliance Changes Jan. 1, 2026. You can be sure that the rest of the Regulators will be looking at this model and making changes. It is just a matter of time.

FSRA Is Watching - Are You Ready for What’s Coming?

The Financial Services Regulatory Authority of Ontario (FSRA) stepped up sanctions imposed on life and health agents in 2024-25, while also receiving 22% more reports of misconduct, it said in a report that was issued October 6, 2025.

FSRA outlined the most common types of misconduct reported — among them failures of integrity and misrepresentation, such as concealing or distorting important information — and called on the industry to improve agent oversight. In addition, the report included a supervision plan for the year 2025-26 to improve reporting and processes and work with industry on key sector issues.

The Financial Services Regulatory Authority of Ontario (FSRA) highlighted the following from its 2024–25 Supervision Report, based on 92 life agent examinations, 186 misconduct reports, and 27 enforcement actions across Ontario’s life insurance sector.

What FSRA Found:

• 45% of agents failed need-based sales practices.
• 46% provided incomplete product illustrations.
• 32% had missing client notes.
• Misconduct included fraud, misrepresentation, falsified documents, and unauthorized sales activity.
• $232,000 in penalties. 16 license sanctions.

2025–26 Supervision Plan:

• FSRA will monitor agent transfers to stop “rolling bad apples.”
• A new Business Practice Compliance Questionnaire (BPACQ) is coming.
• MGA oversight is tightening.
• LAMR reviews will be faster, deeper, and more transparent.

This report is more than data - it’s a red flag. It’s not just information. It’s a call to action

Through interactive sessions and insights from Don Xavier, you will discover the following 8 Core Compliance Foundation Principles:

Foundation # 1 - Establishing Ethical & Compliant Client Partnerships / Compliance-Driven Relationship Building / Navigating Client Relationships with Integrity

Foundation # 2 - Tech Governance for Advisors / Advisor Cyber Hygiene / Digital Risk Management

Foundation # 3 - Cybersecurity Awareness 2026 / Protecting Your Digital Future Starts Today

Foundation # 4 - Canada’s Email & Messaging Rules & Protocols - Canada’s Anti-Spam Legislation (CASL)

Foundation # 5 - Anti-Money Laundering & Terrorist Financing Essentials / Financial Integrity & Transactional Transparency

Foundation # 6 - PIPEDA Compliance Principles / Ten Pillars of Canadian Privacy Law

Foundation # 7 - Complaint Handling & Disclosure

Foundation # 8 - Audit-Proofing Your Advisory Practice Risk Mitigation / Building a Culture of Audit Excellence

You Will Receive Actionable Tools To Implement in your Practices IMMEDIATELY!

WHO SHOULD ATTEND THESE SESSIONS & WHY?

If you're an insurer, MGA, or advisor - now is the time to act. Audit your practices. Strengthen oversight. Get ahead of the curve.

1. Financial Advisors & Support Teams - Regulatory Intelligence: Stay ahead of FSRA, CCIR, and federal compliance shifts

• Ethical Mastery: Tackle real-world dilemmas with confidence
• Cybersecurity & Privacy: Learn how to protect client data in a digital-first world
• Fraud & AML Awareness: Spot red flags and fulfill your obligations
• CE Credits: Earn credits across Life & A&S, IIROC, MFDA, & for the various associations etc.

2. Managing General Agencies (MGAs) - Empower Your Advisors. Elevate Your Brand.

As an MGA, your reputation depends on the professionalism and preparedness of your advisors. The Compliance Masterclass offers CE-accredited training that reinforces ethical standards, regulatory awareness, and client protection.

Why MGAs Should Participate:

• Strengthen advisor compliance and reduce risk exposure
• Offer value-added education to attract and retain top producers
• Position your brand as a leader in ethical practice and professional development
• Gain sponsor visibility and networking access

Support your advisors. Protect your business. Lead with integrity.

3. Insurance Carriers - Compliance Is a Brand Advantage—Make It Yours.

In a competitive market, trust is currency. By sponsoring or sending staff to the Compliance Masterclass, insurers demonstrate leadership in ethics, education, and client protection.

Why Insurers Should Engage:

• Showcase your commitment to regulatory excellence
• Equip staff and partners with CE-accredited training
• Align your brand with ethical standards and advisor empowerment
• Gain exposure among advisors, planners, and practice managers

Be the carrier that champions compliance.

4. Compliance & Risk Management Teams - Turn Compliance from Burden to Strategic Asset.

The Compliance Masterclass is more than a CE seminar - it’s a platform for proactive risk management and professional alignment. Equip your team with the latest insights on FSRA, CCIR, AML, privacy, and ethical conduct.

Why Compliance Teams Should Attend:

• Stay current with evolving regulations and enforcement trends
• Engage in scenario-based learning and ethical case studies
• Network with advisors and industry peers
• Reinforce your internal culture of compliance and accountability

Compliance isn’t just about rules - it’s about reputation.

Why Attend These Sessions?

Stay Compliant, Stay Ahead: Equip yourself with the knowledge to avoid costly penalties, protect client data, and build a thriving, compliant practice.

Secure your spot today - because compliance isn’t optional, it’s foundational.

Please share this very important Compliance workshop/seminar information with your associates so they can benefit as well.