<p>Dear <client name>,</p><p>When you decided to own insurance, you took an important step toward building financial security for you and your family. </p><p>Your savings are another important piece – together with your insurance, they help provide growth and income over your lifetime. On the topic of saving, I’d like to meet with you to discuss some recent changes in the mutual fund industry. [ALTERNATE: On the topic of saving, I’d like to share some recent changes in the mutual fund industry.] Specifically, how mutual fund investment performance and cost reporting will now appear in more detail on investors’ statements. The Canadian Securities Administrators (CSA) is driving the enhanced reporting, which will apply to all mutual fund businesses across Canada.</p><p>This is a great time to ask yourself if satisfied with your portfolio’s overall rate of return. Are your investments working hard for you, and suited to your goals? An important part of my service is a regular review of your plan. Financial needs can change over time, and there may be ways we can fine tune our approach.</p><p>A carefully balanced, diversified portfolio makes it easier to support your needs, now and in retirement. I’ll arrange a meeting in the next few weeks so we can review your financial goals together and explore opportunities to strengthen your plan. [ALTERNATE: If you feel that now is the right time to review your finances, please call me at xxx-xxx-xxxx. We can set up a meeting at a time that’s convenient for you, and see if there are ways we can further strengthen your plan.]</p><p>Sincerely,</p><p><Advisor name></p>