Legal

Disclaimer & Regulatory Information

Educational Service Only

The services provided by Suroy Thamotharam (operating as Nomad Finance Club) are for educational and coaching purposes only. They are not financial planning, financial advice, investment advice, tax advice, legal advice, or insurance advice.

Not a Licensed Professional

Suroy Thamotharam holds an honours degree in finance but is not:

  • A Certified Financial Planner (CFP) or Qualified Associate Financial Planner (QAFP)
  • A licensed Financial Planner or Financial Advisor under Ontario's Financial Professionals Title Protection Act
  • A registered Dealing Representative or Portfolio Manager under the Ontario Securities Commission (OSC) or any Canadian Investment Regulatory Organization (CIRO) membership
  • A licensed insurance agent
  • A licensed accountant or tax professional

No Personalized Investment Advice

Coaching services do not include personalized investment advice or recommendations. Specifically, Suroy does not and will not:

  • Recommend specific stocks, bonds, ETFs, mutual funds, or other securities for any specific client
  • Recommend a specific asset allocation percentage tailored to any specific client's situation
  • Manage client funds or hold custody of client investment accounts
  • Provide insurance product recommendations
  • Provide tax planning beyond general educational concepts

Investment selections are made by the client, optionally using registered tools such as Wealthsimple Invest, which is a registered Portfolio Manager in Canada and is the appropriate party to provide allocation recommendations based on a client's risk questionnaire output.

What Coaching Does Include

  • General education about Canadian investment accounts (TFSA, RRSP, FHSA, etc.)
  • General education about investment concepts (index funds, MER, asset allocation, dollar-cost averaging, the 4% rule, the 120-age rule, etc.) as one rule of thumb among many
  • Coaching on financial behavior: savings rate, automation cadence, debt paydown strategy, goal-setting, accountability
  • Walking clients through how to use registered tools (like Wealthsimple Invest)
  • Helping clients interpret what registered-tool outputs mean for their understanding
  • Referral to licensed professionals (CFPs, accountants, lawyers, insurance agents) for matters outside the coaching scope

No Guarantees of Outcome

Past performance does not guarantee future results. Any historical data, return figures, or example calculations shown on this website or during coaching engagements are illustrative only and do not represent any guarantee of investment performance.

The "Money Working" Guarantee refers to the setup of the investment system (account opening, automation, allocation chosen via a registered tool's recommendation) at the end of the 4-week program. It does not guarantee any specific investment return, market performance, or financial outcome.

Your Responsibility

You are solely responsible for your own financial decisions. Before making any significant financial decision, you should consider consulting with appropriately licensed professionals including but not limited to a Certified Financial Planner (CFP), tax professional, lawyer, and licensed investment advisor. Suroy can refer you to such professionals on request.

Jurisdiction

This service is offered from Ontario, Canada. While clients may participate from anywhere in Canada, the coaching focuses on Canadian financial accounts and tax structures. Clients outside Canada will derive significantly reduced value and are not the target audience.

Updates

This disclaimer may be updated from time to time as regulations change or as the nature of the service evolves. Continued use of the services after such updates constitutes acceptance of the updated terms.

Contact

Questions about this disclaimer can be sent to suroy10@gmail.com.

Last updated: 2026-05-24