Across Canada
Canadian Wealth Creation Centre serves families and business owners across six Canadian provinces: Quebec, Ontario, British Columbia, Alberta, Manitoba and Nova Scotia. All meetings are held online. The firm is registered with the Autorité des marchés financiers under number 602293, and its office is in Laval, Quebec.
Select a province to see the cities we serve.
Two levels of licensing, and why we spell it out
A map like this could easily suggest everything is the same from one province to the next. It is not, and the distinction deserves stating plainly.
In Quebec, Ontario and British Columbia, Jose Salloum holds a personal licence. He serves you directly.
In Alberta, Manitoba and Nova Scotia, the firm is licensed to place insurance, and clients are matched with an advisor licensed in their province. Jose Salloum remains the author of the education and the method, without being the advisor of record.
We spell this out because insurance titles in Canada are provincial. The title Financial Security Advisor is issued by the AMF and applies only in Quebec; elsewhere the correct title is licensed life insurance agent. A firm that is careless about titles is unlikely to be careful about anything else.
No office outside Laval — and that is deliberate
We have no branches. The firm has one office, in Laval, and every meeting is held online, by video, whatever your city.
That is not a limitation: it is a practical advantage. Several members of one family can join the same meeting from different places, scheduling adapts to shift work and time zones, and nobody loses half a day to travel. The map above shows where we are licensed, not where we have a storefront.
This page is general information and financial education. It is not personalized financial, insurance, investment, tax or legal advice, and reading it creates no professional-client relationship. Participating whole life insurance is an insurance product, not an investment; its primary purpose is the death benefit. Dividends are not guaranteed: they are declared annually by the insurer’s board of directors based on the performance of the participating account, and past performance does not indicate future results. Guarantees described are contractual obligations of the issuing insurer and depend on its financial strength; they are not government-backed. Insurance products are not deposits and are not insured by CDIC — policyholder protection is provided by Assuris within its published limits. Policy loans accrue interest and reduce the death benefit and available cash value until repaid; under section 148 of the Income Tax Act a policy loan is a disposition and a taxable gain can arise where proceeds exceed the adjusted cost basis. Creditor protection varies by province and circumstance and is never absolute. Suitability can only be assessed through individual consultation. CWCC is a firm registered with the AMF (602293); its advisors earn commissions paid by insurers on products placed. CWCC is not registered with CIRO and provides no securities advice.
In plain language: this page describes what we do and how the pieces fit together. It cannot tell you what you should do, because we have not met. Dividends are not guaranteed — the insurer’s board decides, one year at a time. The guarantees come from the insurer, not the government, and a policy is not a deposit. When a client places a policy through us, the insurer pays us a commission: you should know that when you weigh anything we write. And when a question belongs to securities, we say so rather than pretend our licence stretches that far.
Québec
Advisor licensedJose Salloum is a Financial Security Advisor here (AMF). Meetings online.
Ontario
Advisor licensedJose Salloum is a licensed life insurance agent here (FSRA). Meetings online.
British Columbia
Advisor licensedJose Salloum is a licensed life insurance agent here (Insurance Council of British Columbia). Meetings online.
Alberta
Firm licensedThe firm is licensed to place insurance in this province (Alberta Insurance Council). Clients are matched with an advisor licensed there. Meetings online.
- Calgary
- Edmonton
- Red Deer
- Lethbridge
- St. Albert
- Medicine Hat
- Grande Prairie
- Airdrie
- Spruce Grove
- Okotoks
- Leduc
- Fort Saskatchewan
- Lloydminster
- Camrose
- Cochrane
Manitoba
Firm licensedThe firm is licensed to place insurance in this province (Insurance Council of Manitoba). Clients are matched with an advisor licensed there. Meetings online.
- Winnipeg
- Brandon
- Steinbach
- Winkler
- Portage la Prairie
- Thompson
- Selkirk
- Morden
Nova Scotia
Firm licensedThe firm is licensed to place insurance in this province (Superintendent of Insurance). Clients are matched with an advisor licensed there. Meetings online.
- Halifax
- Cape Breton
- Truro
- New Glasgow
- Kentville
- Amherst
- Bridgewater
Check us out independently
No form in this section, nothing to book. Before trusting anyone with money the right instinct is to verify — and nothing here should discourage it.
The AMF register
Canadian Wealth Creation Centre Inc. is registered as a firm with the Autorité des marchés financiers under number 602293. Both a firm’s registration and an advisor’s certificate can be confirmed in the AMF’s public register.
The full profile
Licensing, designations and issuing bodies, with how to confirm each one. About Jose Salloum.
Or search for yourself
Google.ca “Jose Salloum” Financial Security Advisor
Google.ca “Jose Salloum” Authorized IBC Practitioner
Google.ca “Jose Salloum” participating whole life insurance Canada
Google.ca “Canadian Wealth Creation Centre” AMF
These links open a Google Canada search in a new tab. What appears there is Google’s ranking, not a recommendation from this site.
Frequently asked questions
Which provinces are you licensed in?
The firm is licensed to place insurance in Quebec, Ontario, Alberta, British Columbia, Manitoba and Nova Scotia. Jose Salloum personally holds a licence in Quebec (AMF), Ontario (FSRA) and British Columbia (Insurance Council of British Columbia).
Do you have an office in my city?
No. The firm has one office, in Laval, Quebec, and all meetings are held online. No client needs to travel.
My city has no page yet. Can you still serve me?
Yes, if it is in one of the six provinces where the firm is licensed. City pages are published progressively; the licensing already covers the whole province.
Why does the title change from province to province?
Because insurance is provincially regulated in Canada. “Financial Security Advisor” is the Quebec title issued by the AMF; elsewhere the correct title is “licensed life insurance agent.” In Ontario the titles “Financial Planner” and “Financial Advisor” are protected by law and we do not use them.
Is an insurance policy a bank?
No. A participating whole life insurance policy is an insurance contract governed by provincial insurance legislation. It is not a bank, does not carry on banking, is not a deposit account and is not insured by CDIC. Protection comes from Assuris, within its published limits.