Kristen Kruse is registered to provide investment advice and products to clients residing in the provinces of Ontario and Alberta. Investment products, including securities, mutual funds and bonds are provided by Aligned Capital Partners Inc. ACPI is regulated by the Investment Industry Regulatory Organization of Canada (www.iiroc.ca) and a Member of the Canadian Investor Protection Fund (ww.cipf.ca). Clients accounts are protected by the Canadian Investor Protection Fund, within specified limits. A brochure describing the nature and limits of coverage is available upon request.

Kristen Kruse is a Certified Financial Planner and is also licensed for the sale of Insurance products. Kristen Kruse is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the services and products discussed. The name of the entity being represented should correspond to the business being conducted. Underwood Financial and Aligned Capital Partners Inc. (ACPI)* are separate legal entities.

Investment products are provided by ACPI and include, but are not limited to, mutual funds, stocks, and bonds. Kristen Kruse is registered to provide investment advice and solutions to clients residing in the provinces of Ontario and Alberta.

Any advice which may be given in respect of non-securities services is given by Kristen Kruse solely and no such advice is given in their capacity as a registrant of ACPI. Canadian Investor Protection Fund (CIPF) coverage is available to IIROC Dealer Members and does not offer protection, within limits, on nonsecurities products not held by a Member.

Non-securities related business includes, without limitation, fee-based financial planning services; estate and tax planning; tax return preparation services; advising in or selling any type of insurance product; any type of mortgage service. Accordingly, ACPI is not providing and does not supervise any of the above noted activities and you should not rely on ACPI for any review of any non-securities services provided by Kristen Kruse and Underwood Financial.

This website is for informational and reference purposes only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice.

Please consult the appropriate professional depending on your particular circumstances. This website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

The opinions expressed are those of the author and do not necessarily reflect those of ACPI. The information contained on this website is subject to change without notice. Information has been gathered from sources believed to be reliable. Content is accurate as of the date of publication, and subject to change without notice.

By accessing links to external websites, you will be leaving this website, and Underwood Financial *and ACPI* are not responsible for the information contained on these external websites. Content may not be reproduced or distributed without the consent of Kristen Kruse.