Fraser McDowell - CFP, CPCA


Certified Financial Planner

Worldsource Financial Management


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Your privacy is important to Fraser McDowell, Perler Financial Group and Worldsource Financial Management Inc. (collectively hereafter referred to as “FM-CFP”). To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected, used and disclosed.

General Use Restrictions

Information, documents, products and services ("Materials") available on this website and created by FM-CFP remain the property of FM-CFP.

Materials available on this website and created by other manufacturers, authors, developers and vendors ("Third Party Providers") remain the property of the relevant Third Party Provider.

Except as expressly provided for on the website, none of the Materials available on this Web site may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior express written permission of FM-CFP and any relevant Third Party Provider.

Content Disclaimer

The information and statistical data contained on this website are provided as a service to users. It has been obtained from sources believed to be reliable, but its accuracy cannot be guaranteed, and should not be relied upon as such. Opinions expressed herein are those of the relevant author, and are not specifically endorsed by FM-CFP.

Nothing herein shall be construed as investment or financial planning advice directed to any individual, and users should consult duly authorized practitioners in connection with specific objectives or instruments.

Materials provided by Third Party Providers have not been independently authenticated in whole or in party by FM-CFP, and no warranty, implied or otherwise, is made with respect to those materials.

FM-CFP does not provide, sell, license, or lease any Materials other than those specifically identified as such.

The information we collect

This notice applies to all information collected on or submitted to the website or via e-mail communications.

The way we use information

We, or some of our services, may require the use of cookies so that our servers can identify a specific user and ensure that only that user sees their information. We do not use cookies for any other purposes. Visitors to the secure (log-in) areas of the FM-CFP Web site must have cookies enabled in their browsers.

We do not share information about individual users with any third party without your express consent. At all times we reserve the right to disclose information where required by law; to comply with valid legal processes such as a search warrant, subpoena or court order; to protect our company's rights and property; or during emergencies when safety is at risk.

We may provide our clients with a newsletter service with updates on the latest products, promotions, sales and new additions to the website. You may at any time unsubscribe from our newsletters by following the unsubscribe instructions in any e-mail you receive from us.

Third Party Links to Other Websites

Other Internet sites accessible through this website, as a convenience to our users, have their own privacy policies and data collection practices. We strongly encourage you to review the privacy policies of any site before providing any personal information. FM-CFP is not responsible for the actions of third parties.

Your consent

By using this website and otherwise submitting or disclosing personal information to FM-CFP, you agree that we may collect, use and disclose personal information for the purposes for which the information was collected and in accordance with this Privacy Policy. IF YOU DO NOT AGREE, PLEASE DO NOT SUBMIT ANY PERSONAL INFORMATION TO THIS WEBSITE OR VIA E-MAIL COMMUNICATIONS. Please check back frequently to see any updates or changes to our Privacy Policy. Your continued use of the Web site following the posting of changes to this Privacy Policy will mean you accept and agree to be bound by such changes.

Click to view our Legal Disclaimer

CLICK HERE to read the Worldsource PRIVACY POLICY (opens new window)

Mutual Funds and Segregated Funds provided by the Fund Companies are offered through Worldsource Financial Management Inc., Other Products and Services are offered through Perler Financial Group


Harry Perler 131x150


Certified Financial Planner

Worldsource Financial Management


Include Me

My clients regularly receive current information on the economy and other financial matters.  If you would like to receive such information, please call our office at 604.468.0888 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. with “INCLUDE ME” in the subject line.


Life Insurance

I have been in this industry for more than 20 years. I have seen first hand what a difference it makes to families who are left behind when a loved one dies, is injured or becomes critically ill. Needless to say, the people who have planned properly and have adequate insurance in place maintained a much more favourable quality of life, both financially and emotionally.

It is always best to complete a full comprehensive plan to determine your needs, but my Estate Planning website,, will provide valuable information regarding your insurance needs.


  • Our advice is completely unbiased
  • Our credentials are leading edge
  • We have over 25 years of proven expertise
  • We pride ourselves on excellence



  • We are family-oriented
  • We are involved in our community
  • We value all relationships
  • We bring discipline to your efforts



  • We regularly keep in touch
  • Annual reviews to keep you on track
  • We let you know if market changes affect you
  • We suggest changes to improve long term growth


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