What is CRM3?
Starting in 2026, investment firms will be required to give clients a more complete picture of what they are paying to invest. The first reports under these new rules will be delivered in 2027.
What does this mean for investors?
Under CRM3, clients will see a fuller breakdown of investment costs, including both direct and indirect fees tied to products like mutual funds and ETFs. These costs will be shown in dollars and percentages, making them easier to understand.
The goal is simple: more transparency. Investors will have a better understanding of what they are paying and how fees can affect returns over time.
Trusted guidance beyond the numbers
Newton Financial is available for trusted, in-person appointments and can provide valuable insight on:
- Financial education
- RRSPs, TFSAs, RESPs, LIRAs, and non-registered accounts
- Retirement planning
- Protecting your assets and your family with life, disability, and critical illness insurance
- Introductions to reputable accountants and lawyers
Clear reporting. Personal advice.
As investment reporting becomes more detailed, having someone you trust to explain it in plain English can make all the difference.
