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Terms of Use & Regulatory Disclaimer

Last Updated: November 30, 2025

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1. Regulatory Oversight

 

Rolf Issler and ProsperWise Advisors operate under the regulatory oversight of the Insurance Council of British Columbia. All insurance products, annuities, and segregated funds are offered through Isler Group Management & Consulting Inc.

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Important Distinction: We are not registered with the British Columbia Securities Commission (BCSC) as an investment dealer or portfolio manager. Any reference to "investments," "portfolios," or "growth" on this website refers strictly to Segregated Funds, Annuities, or insurance-based investment products. These instruments offer specific estate planning benefits (such as potential creditor protection and bypass of probate) that differ from traditional securities (stocks, bonds, mutual funds).

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2. No Legal or Tax Advice

 

The information provided on this website—including the Sudden Wealth Compass™ framework and the Exit Dividend Calculator—is for educational and informational purposes only. It does not constitute professional legal, tax, or accounting advice.

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While we coordinate with lawyers and accountants, ProsperWise Advisors does not draft legal documents (wills, trusts) or file tax returns. You should consult with your own legal and tax professionals regarding your specific situation before implementing any strategy discussed herein.

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3. The Exit Dividend Calculator

 

The Exit Dividend Calculator and Stability Assessment are proprietary diagnostic tools designed for educational purposes.

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  • Hypothetical Nature: The outputs (including "Valuation Penalty," "Efficiency Dividend," and "Potential Exit Value") are hypothetical estimates based on user inputs and general market multiples.

  • Not a Formal Valuation: These results do not constitute a Chartered Business Valuation (CBV) or a guaranteed offer of sale. Actual market value will vary based on economic conditions, industry trends, and due diligence.

  • No Liability: ProsperWise Advisors assumes no liability for business decisions made based on the results of these tools.

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4. Fee-Only Consulting Services

 

Our planning services, such as the Navigator Session and the development of the Financial Charter, are provided on a flat-fee or retainer basis. These consulting services are distinct and separate from the sale of any financial product.

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  • No Obligation: Engaging us for a Navigator Session or planning service does not obligate you to purchase insurance or investment products through our firm.

  • Conflict-Free Protocol: We adhere to a strict transparency protocol. If a product solution is recommended that results in a commission, this will be fully disclosed prior to implementation.

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5. Forward-Looking Statements

 

Past performance of any financial strategy or segregated fund is not indicative of future results. All financial strategies involve risk, including the risk of principal loss, inflationary risk, and liquidity risk. Guarantees associated with segregated funds are subject to the claims-paying ability of the issuing life insurance company.

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6. Copyright & Trademarks

 

The content of this website, including the Sudden Wealth Compass™, Exit Dividend Calculator, and Decision Free Zone, is the property of Isler Group Management & Consulting Inc. and is protected by Canadian copyright law. Unauthorized use or reproduction is prohibited.

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Contact Information

 

If you have questions regarding this disclaimer or our regulatory standing, please contact:

Issler Group Management & Consulting Inc.

(Operating as ProsperWise Advisors)

Kelowna, British Columbia

(778) 215-2556

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