Everything a regulator would want you to be told.

Licensing

Verify this independently, by name. Search the Alberta Insurance Council registry at abcouncil.ab.ca and the FSRA licensee list at fsrao.ca. Both are searchable by name and take under a minute. Do it for any advisor, including me — it is the single most useful thing a consumer can do before a first meeting.

On publishing certificate numbers

Neither province requires an insurance agent to publish a certificate number on a website, and it is worth being precise about that rather than repeating a common assumption.

• Alberta. The Insurance Act s.489 prohibits advertising as an insurance agent unless you hold a valid and subsisting certificate of authority. Section 490 requires a business holding a certificate to show its licensed name conspicuously in its advertising — the name, not a number. Section 509 prohibits false or misleading advertising.
• Ontario. O. Reg. 347/04 contains no advertising provision at all. What it does require is written disclosure of every insurer represented (s.15) and of any conflict of interest (s.16) — both published on Companies I represent. The phrase "licence number" appears once in the regulation, at s.10(1), and that is the insurer's duty to report an agent's number to the regulator, not the agent's duty to publish it.

So the number is published here when available as a convenience, not because anything compels it. What is genuinely required — carrying on business under the licensed name, naming the agency, disclosing the insurers and the conflicts — is on this site in full. Provisions checked against the consolidated statutes on 2026-08-24.

On the title “Financial Professional”

Ontario’s Financial Professionals Title Protection Act, 2019 restricts “Financial Planner” and “Financial Advisor” to holders of an FSRA-approved credential. The rule follows the Ontario client, not the advisor’s address. I do not hold such a credential and therefore do not use those titles. I am a licensed insurance intermediary, described accurately as a Financial Professional.

Companies represented

Written disclosure of every insurer I represent, required under Ontario’s O. Reg. 347/04 and expected under CISRO principles, is published in full at Companies I represent, together with conflict-of-interest disclosure. I represent no non-insurance financial product or service provider.

Compensation

I am compensated by commission paid by the insurer that issues a policy, out of the premium structure that insurer set. I charge no fee to you for advice, analysis or review. Commission varies by product, by insurer and by policy size — all of which are disclosed to you in writing before you sign an application. The mechanics, and the pull each one creates, are set out on How I work.

Scope of authority

I may advise on and place life, critical illness, disability, visitor and travel medical insurance, and insurance-based savings products including segregated funds and annuities. I may not sell securities or mutual funds, manage investment portfolios, or provide tax, legal or accounting advice.

Errors and omissions coverage

Errors and omissions insurance is maintained as a condition of licensing in both provinces. Certificate details are available on request.

Complaints

You may go to any of these directly, in any order. Nothing below requires you to speak to me first — telling me is a courtesy that often resolves a misunderstanding quickly, not a step you owe anyone.

• Me — info@ravisoni.ca or (587) 936-2100.
• My agency — World Financial Group Insurance Agency of Canada Inc. (WFGIA) operates a compliance function that reviews agent conduct.
• The insurer — every Canadian insurer maintains a formal complaints process and an internal ombudsperson. Their contact details are in your policy documents.
• The regulator — the Alberta Insurance Council in Alberta, or FSRA in Ontario.
• OLHI — the OmbudService for Life & Health Insurance, a free and independent national service. OLHI normally asks that you complete the insurer’s own internal complaint process first, and will tell you how.

Content accuracy

Every figure published on this site — contribution limits, coverage minimums, regulatory requirements — is sourced to a primary government publication and carries a verification date. Current verification: 2026-08-24. If you find something out of date or wrong, tell me and it gets fixed. On a licensed advisor’s website, inaccurate information is a conduct problem, not a typo.