Terms and Disclosure
Athena Financial's client engagement commitments, Ken Feng's life insurance licensing, represented companies and conflict-of-interest disclosure.
Source: Athena Client Engagement Form, Advisor Disclosure Form, and Privacy Commitment and Your Client File (February 2025 version).
1. Client engagement
Our purpose is to provide the best financial planning approach possible and build long-term relationships with our clients. Clear expectations, open communication and mutual respect are central to that relationship.
This page summarizes Athena's Client Engagement Form and Advisor Disclosure Form. It does not replace the forms you review and sign with your advisor. Visiting the website, making an enquiry or reading these terms does not sign those forms or provide the consents they request.
2. What you can expect from us
Ken Feng and his team provide an ongoing financial planning process covering:
• Business: financial strategies to protect income and assets, tax planning and wealth transfer.
• Personal: family protection, income replacement, insurance planning, retirement planning and estate planning.
We employ a holistic approach to comprehensive financial planning and a disciplined approach based on long-term asset allocation. We consider all aspects of your life to create an ongoing plan that fits your goals, values and resources.
The Client Engagement Form states that we serve in a fiduciary capacity, acting in your best interest and providing advice to put you in the best position.
3. Reviews and communication
We hold regular phone meetings to keep you up to date with your plan. At least once a year, we review cash flow planning, investment planning and insurance planning. All meetings are by phone.
We strive to return phone calls within 1 business day and emails within 2 business days. We will inform you of short-term deviations from this policy.
We respect staff business hours and accommodate meeting times outside normal business hours when mutually beneficial. Schedule changes are communicated through company newsletters, email responses and/or voicemail messages.
4. Your participation
The Client Engagement Form asks clients to:
• Participate in the financial planning process on a continuing basis.
• Respond to emails and phone calls within a reasonable time, particularly for time-sensitive investment and tax-filing matters.
• Provide requested data and documents promptly.
• Agree to receive documents electronically by email from Ken Feng and his team.
• Review and provide the consent requested for information sharing with relevant professionals as part of the complete financial plan.
• Raise concerns as they arise and provide constructive feedback.
These acknowledgements are made through the client engagement process; they are not assumed from your use of this website.
5. Errors and concerns
The Client Engagement Form states that Ken Feng and his team take full responsibility for their errors. Clients are asked to report errors as soon as they are discovered so the team can promptly correct and remedy them to the best of their ability. Open communication and constructive feedback help maintain a healthy working relationship.
6. Advisor licensing
The supplied Advisor Disclosure Form identifies Kai En (Ken) Feng as a life insurance agent licensed in British Columbia and Ontario.
This is the licensing information stated in the form. It does not establish securities registrations, licence numbers or licensing for other team members. Please contact Ken for additional information about his qualifications or business relationships.
7. Companies represented
The Advisor Disclosure Form lists the following companies represented by Ken Feng:
• Industrial Alliance
• Empire Life
• Manulife
• RBC Insurance
• Desjardins Insurance
• Canada Life
• CPP
• Equitable Life
• Sun Life
• B2B Bank
• Assumption Life
• BMO Insurance
No insurance company holds an ownership interest in Ken's business, nor does he hold an interest in an insurance company.
8. Conflicts of interest
Ken takes potential conflicts of interest seriously. He will notify you if he becomes aware of a conflict concerning his recommendations. His overall recommendations are based on an analysis of your financial security needs, with your financial objectives as the first priority.
Please ask your advisor for additional information about his qualifications or the nature of his business relationships.
9. Privacy and client acknowledgements
Information is used in a professional capacity and shared as described in the Privacy Policy and client disclosure forms. The signed forms address consent to collection, use and sharing, client-file maintenance and any applicable joint spouse file.
Client and advisor signatures acknowledge the engagement and disclosure statements. A reproduction of the signed client-file form is as valid as the original. These signed documents, rather than a website visit, record your client acknowledgements and consents.
Questions or requests
Contact Ken Feng and his team by email at ken.feng@athenainc.ca or by phone at (778) 608-3175.