Compliance Review — Queensbury Securities Inc.
Queensbury Securities Inc.

Website Compliance Review

Queensbury Securities Inc.

Prepared: October 10, 2026  |  For internal compliance review only

Contents

1. About John Webster

2. About Shari Martin

3. Services Offered

4. Going Beyond

5. Frequently Asked Questions

6. Financial Education Videos

7. In the News

8. Market Outlook

9. Website Disclaimer

1. About John Webster

John Webster — BComm (Queen's), LLM (Osgoode), CIM

With more than 30 years in the investment industry, John has built his practice around his lifelong passions: a natural acuity for numbers, problem solving, and helping others.

Over the years, that passion evolved into a personalized approach to investments rooted in one core philosophy: "The first rule of making money is don't lose it."

As an independent advisor, John knows that no two clients are the same. Every individual, family, and retirement journey comes with unique goals, priorities, and comfort levels when it comes to risk. That is why he believes financial advice should never follow a one-size-fits-all approach. Instead, he takes the time to build tailored strategies designed around each client's situation and long-term vision.

For John, being an advisor extends far beyond numbers and portfolios. It is about building lasting relationships based on trust, transparency, and genuine connection. Clients are not treated like account numbers — they are respected as individuals with real goals, concerns, and stories that need to be understood.

Whether building a retirement strategy, protecting wealth, or navigating financial change, John's mission is to help clients feel secure and in control of their future.

Credentials

30+ Years Experience — Guiding professionals since 1992

Independent Advisor — Not tied to any product lineup

Advanced Credentials — BComm (Queens), LLM (Osgoode), CIM

Core Values

Transparency First

Every recommendation starts with understanding what cost structure makes the most sense for you. The right advice begins with full clarity on what you're paying and why.

Education Over Sales

John believes the best financial decisions come from understanding. Every meeting is an opportunity to learn, not just to receive instructions.

Long-Term Partnership

Retirement strategy is not a one-time event — it's a decades-long journey. John builds lasting relationships with his clients, adapting strategies as life changes and markets evolve.

2. About Shari Martin

Shari Martin — Client Services Specialist

As John Webster's Client Services Specialist and Assistant, Shari Martin plays an integral role in supporting the day to day operations of the practice. She assists with administrative responsibilities, coordinates client requests, and helps build and maintain strong client relationships by ensuring a seamless and personalized experience.

Shari holds a Bachelor of Arts in Business Economics and has completed the Canadian Securities Course (CSC). With her strong foundation in finance and commitment to exceptional service, Shari is dedicated to providing clients with the support and care they need throughout their investment journey.

Credentials

Bachelor of Arts in Business Economics

Canadian Securities Course (CSC)

Client Services Specialist at Queensbury Securities Inc.

3. Services Offered

Every service John offers is built around one goal: helping clients feel secure and in control of their financial future. No one-size-fits-all solutions — just personalized advice designed around your life.

Retirement Income Optimization

Helping clients create reliable and sustainable income throughout retirement. John works to structure portfolios that support lifestyle needs while balancing longevity, market conditions, and changing financial goals.

Portfolio Oversight

Maintaining a hands-on approach to monitoring investments and market conditions. John ensures portfolios remain aligned with each client's goals, time horizon, and risk tolerance.

Customized Investment Strategies

Every client's situation is unique. John develops personalized investment approaches designed around individual goals, income needs, timelines, and comfort with risk.

Risk-Conscious Investing

Balancing growth opportunities with disciplined risk awareness. John works to help clients pursue their financial objectives while remaining mindful of market volatility and capital preservation.

Tax-Efficient Investing

Incorporating tax-conscious investment approaches intended to help clients retain more of their wealth and improve overall long-term efficiency.

4. Going Beyond

John is the first to acknowledge that no one person can know everything. When a client's needs extend beyond his area of expertise, he does not believe in simply stopping there. Instead, he looks for solutions and helps clients connect with the right expertise to address the broader picture.

Over the years, John has developed relationships with professionals across a variety of disciplines, allowing him to draw on a broader network of expertise when a client's circumstances call for it. Whether the need falls outside of investment management or involves a more specialized area of advice, John works to help ensure clients have access to the knowledge and resources they need.

For John, going above and beyond means more than managing investments. It means understanding the full scope of a client's needs, recognizing when additional expertise can make a difference, and helping clients navigate the right path forward.

5. Frequently Asked Questions

Getting Started

How do I get started?

The first step is an introductory conversation. This allows John to understand your goals, current financial situation, concerns, and what you want your money to accomplish over time.

What should I expect from our first meeting?

The first meeting is focused on getting to know you, understanding your goals, discussing concerns, and reviewing your current financial picture. It is an opportunity to see whether working together is the right fit.

Can you help me if I am new to investing?

Absolutely. Part of the process is helping clients understand their options and feel more confident about financial decisions without overwhelming them with jargon.

Working with an Independent Advisor

How are independent advisors different?

Independent advisors are not tied to a limited lineup of products. This allows them to focus on providing advice and investment solutions based on what is most suitable for the client's goals, needs, and overall financial situation. The focus is not on meeting product quotas or promoting a specific offering. It is on building strategies that are in the client's best interest and aligned with their long-term objectives.

How do you choose investments?

Investment recommendations are based on several factors including risk tolerance, risk capacity, time horizon, financial goals, income needs, and overall financial circumstances. Every portfolio is built with suitability and long-term objectives in mind.

What does a financial advisor do?

A financial advisor helps clients make informed financial decisions and build strategies around their goals. This can include investments, retirement preparation, tax efficiency, and ongoing financial guidance. At times, an advisor can also act as a sounding board or life coach, helping clients navigate major life transitions, uncertainty, and emotional financial decisions with clarity and perspective.

6. Financial Education Videos

John believes an informed client is an empowered client. The following videos are published on the Financial Education Videos page of the website — short, plain-language explanations with no jargon and no sales pitch.

Investing

Staying Grounded in Good Times & Challenging Times

John shares his perspective on maintaining a steady, long-term approach to investing — whether markets are rising or falling.

Market Outlook

Mid-Year Tune-Up

John walks through a mid-year review of your portfolio and what adjustments may make sense heading into the second half of the year.

Retirement Strategy

CPP & OAS Start Ages

John breaks down the key considerations around when to start your CPP and OAS benefits — and how timing can significantly impact your retirement income.

Videos are hosted on the site at /videos. The same investment/tax/legal disclaimer shown on the Videos page applies to all video content.

7. In the News

Media Mentions

Yahoo Finance

Picking a financial advisor? There are red flags you should know about

https://ca.finance.yahoo.com/news/picking-a-financial-advisor-there-are-red-flags-you-should-know-about-140420528.html

Investment Executive

Firms offering advisors remote control

https://www.investmentexecutive.com/news/industry/building-your-business/firms-offering-advisors-remote-control-image-tk/

Industry Affiliations

Director

Federation of Independent Dealers

https://independentdealers.ca/

Other Interests

Past President / Director

SHARE Agriculture Foundation

https://shareagfoundation.org/

Current Member

The Canadian Aerophilatelic Society

http://aerophilately.ca/

Contributor

100 Men Who Care Halton Hills

https://www.100menwhocarehaltonhills.com/

8. Market Outlook

Q2 2026 — Rate Cuts, Resilience & Retirement: Positioning for the Second Half of 2026

Published June 30, 2026

John's Q2 2026 outlook covers the key themes shaping markets at the midpoint of the year — from the Bank of Canada's continued rate-cutting cycle to equity market resilience and what it all means for investors approaching or in retirement.

This report is designed to cut through the noise and give you a clear, grounded view of where things stand — and what, if anything, you should be doing differently with your portfolio heading into the second half of 2026.

Full PDF report: /data/2026-June.pdf

Archived Reports

Q1 2026 — Rate Cuts Begin: What It Means for Your Portfolio

Published March 31, 2026  |  /data/2026-March.pdf

9. Website Disclaimer

The information herein is not intended to provide tax, legal, or investment advice and should not be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Queensbury Securities Inc and our registered Advisers do not represent that the securities, products, or services mentioned in this information are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. All information is provided in good faith and is believed to be accurate; however, no guarantee, warranty, or representation is made regarding its completeness or reliability. Any opinions or conclusions expressed in this communication are those of the writer and do not necessarily express those of Queensbury Securities Inc.

Regulatory Memberships

CIRO — Canadian Investment Regulatory Organization

www.ciro.ca

CIPF — Canadian Investor Protection Fund

www.cipf.ca

Queensbury Securities Inc.

11 King Street West Suite #300, Toronto ON M5H 4C7  |  (437) 900-4332

Prepared October 10, 2026  |  For compliance review only — not for distribution

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Contact

Queensbury Securities Inc. is a member of the Canadian Investment Regulatory Organization, the Canadian Investor Protection Fund and is registered in Ontario, Alberta, Manitoba, New Brunswick, Nova Scotia, Newfoundland and Labrador, Saskatchewan, British Columbia and Prince Edward Island to sell stocks, bonds and other listed securities.

CIRO Advisor Report – Investors may research the background, qualifications and disciplinary information on advisors at CIRO-regulated firms by referencing to the CIRO Advisor Report found here.

Website Disclaimer

© 2026 Queensbury Securities Inc. All rights reserved.

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