Reference · Legal
Compliance Disclosures
This page sets out Clearstone Financial’s public licensing, service-delivery relationships, jurisdiction, complaint pathways and related disclosures. It is Clearstone’s maintained public reference — not a substitute for the advice, contracts or terms that apply to a particular service.
Legal Identity
Clearstone Financial is an independent licensed practice based in Charlottetown, Prince Edward Island. Nicholas Gaudet is its Founder & CEO. Regulated titles that apply to Nicholas in a given activity — for example Financial Advisor, Life Insurance Agent or Associate Mortgage Broker — are separate, context-specific facts and are recorded against each service in the sections below.
Business registration & legal structure
Clearstone Financial is a sole proprietorship registered in Prince Edward Island under the Partnership Act (PEI business registration no. 171244). It is operated by Nicholas Gaudet, Founder & CEO.
Clearstone does not publish a street address on this page. General contact details appear under Privacy & Contact and Document Control.
Licensing & Regulated Availability
Atlantic Canada describes Clearstone’s regional positioning. It is not a blanket licence.
Availability of regulated products and services depends on the service involved, the client’s province and the applicable licensing or professional requirements. The register below sets out Clearstone’s current public position by line of business and jurisdiction.
Life insurance
Distributed through IDC Worldsource Insurance Network Inc.
| Jurisdiction | Regulated title / status | Availability | Official source / verification |
|---|---|---|---|
| Prince Edward Island | Life and Accident & Sickness Insurance Agent · Licensed | Current Clearstone insurance service | Verify a Prince Edward Island insurance licence |
| Nova Scotia | Insurance Agent — Life, Accident and Sickness · Licensed | Current Clearstone insurance service | Verify a Nova Scotia insurance licence |
| New Brunswick | Life Insurance Agent (includes Accident & Sickness) · Licensed | Current Clearstone insurance service | Verify a New Brunswick insurance licence |
| Newfoundland & Labrador | No current Clearstone life-insurance licence claim | No current claim | Newfoundland & Labrador insurance licensing |
Financial advisory
Provided by Clearstone Financial
| Jurisdiction | Regulated title / status | Availability | Official source / verification |
|---|---|---|---|
| New Brunswick | Financial Advisor / Financial Advisory | Professional review pending | New Brunswick Financial Advisor title users |
Financial advisory remains an offered Clearstone service. The New Brunswick title-protection question is under professional review; regulated title treatment in other provinces is recorded as it is confirmed.
Mortgage brokering
Delivered through Vine Mortgage
| Jurisdiction | Regulated title / status | Availability | Official source / verification |
|---|---|---|---|
| Nova Scotia | Associate Mortgage Broker · Licensed | Current Clearstone mortgage service | Verify a Nova Scotia mortgage licence |
| New Brunswick | No current New Brunswick mortgage licence claim | Not currently offered | New Brunswick mortgage licensing |
| Prince Edward Island | Arranged through Vine Mortgage | Professional review pending | Professional source review pending |
| Newfoundland & Labrador | No current Clearstone mortgage licence claim | No current claim | Newfoundland & Labrador mortgage licensing |
- Licensed — a current licence has been verified against an official source or current authority record. Licence information is time-sensitive. Current status can be verified using the linked regulatory sources.
- No current claim — Clearstone makes no current licence claim for that service or jurisdiction.
- Professional review pending — the service or relationship is known but exact public legal wording remains under review.
Official source links open the relevant public register for independent verification. Licence information may change.
How Regulated Services Are Delivered
Some Clearstone services are delivered in relationship with another regulated entity. These are service-delivery relationships. They do not describe ownership, employment, partnership or endorsement.
Insurance products are distributed through IDC Worldsource Insurance Network Inc.
Mortgage brokering is delivered through Vine Mortgage. The Nova Scotia regulated title, licence and authorizing-brokerage details are recorded under Licensing and Mortgage Brokering.
Financial advisory is provided by Clearstone Financial. The regulated title that applies varies by province and is recorded under Licensing.
Nicholas Gaudet holds the SMCP™ designation.
Insurance & Insurance-Based Investments
Clearstone’s investment offering consists of insurance-based investment solutions, including Individual Variable Insurance Contracts (IVICs) and segregated funds.
Values may rise or fall. Any guarantees, beneficiary provisions or other insurance features depend on the specific contract and are subject to its terms, conditions and information folder.
No specific return, income or investment outcome is guaranteed. Suitability and other transaction-specific disclosures apply to the particular contract and client circumstances.
Mortgage Brokering
This is the mortgage-specific standing record in one place. Mortgage brokering is delivered through Vine Mortgage.
Nova Scotia
Nicholas Gaudet is licensed in Nova Scotia as an Associate Mortgage Broker (licence 2025-3000887) on behalf of VINE GROUP LTD., operating as Vine Group (mortgage brokerage licence 2025-3001018). Clearstone refers to this delivery relationship publicly as Vine Mortgage.
New Brunswick
Clearstone makes no current New Brunswick mortgage licence claim and does not present mortgage brokering as a current New Brunswick service.
Prince Edward Island
Mortgage services involving Prince Edward Island clients are arranged through Vine Mortgage.
Newfoundland & Labrador
Clearstone makes no current mortgage licence claim in Newfoundland & Labrador.
This section records mortgage standing and the mortgage complaint pathway only. For how mortgages work — purchase, renewal, refinance and the process from application to close — see the Mortgages page.
Compensation & Referral Relationships
Compensation
Clearstone may receive fees and commissions for its work. In many cases, lenders or insurers pay compensation rather than the client. Compensation arrangements and material conflicts are disclosed as required for the applicable service or transaction. For the fuller explanation, see How Clearstone Is Paid.
Referrals
Clearstone may participate in referral arrangements with other professionals. Where a referral creates a material compensation arrangement or conflict requiring disclosure, that information is provided to the affected client. A referral does not change the licensing or professional responsibilities that apply to the service ultimately provided.
Smith Manoeuvre™
The Smith Manoeuvre is a borrowing-to-invest strategy. It carries real risk and is not suitable for everyone.
Borrowing to invest increases risk. Leverage magnifies both gains and losses, and loss of principal is possible. Whether the strategy is appropriate depends on individual circumstances.
Interest deductibility depends on how borrowed funds are used, on tracing, and on individual circumstances. Tax and legal questions may need advice from the client’s own qualified professionals.
Trademark & designation
Nicholas Gaudet holds the SMCP™ designation.
Tools & Website Information
Tools & calculators
Any calculators or tools offered on this website provide exploratory estimates for educational use. Their results are not approvals, pre-approvals, suitability determinations or recommendations, and a result appearing does not mean a product is recommended or available.
Actual figures depend on verified facts and on provider or lender terms. Each tool owns its own methodology and assumptions, and where a tool transfers information to a third party, that is disclosed at the point of use.
Website information
For planning and discussion only. Not legal, tax, or accounting advice. Information on this website is general and does not take account of your individual circumstances. It is not a substitute for advice specific to you. Individualized advice and recommendations involving regulated products or services are provided through the applicable service, licensed process and required disclosures.
Complaints & Regulatory Contacts
Where do I start? Find the service your concern relates to and begin there. Each path shows where to start, what happens if it is unresolved, and which external body may apply.
A general Clearstone concern
If you are not sure which service your concern relates to, start here.
Life or health insurance
Insurance-based investments (IVIC contract)
Nova Scotia mortgage
New Brunswick mortgage
Clearstone does not currently present mortgage brokering as a New Brunswick service.
Prince Edward Island mortgage
Privacy & Contact
Please do not send sensitive financial, medical, identification or account information through general website forms or email.
This section is a high-level pointer, not the full Privacy Policy. Privacy, terms and accessibility detail are held on their own pages.
Contact
Document Control
Regulatory and licensing information may change. Official source links are provided where useful for current verification. This page is maintained as Clearstone’s public disclosure reference.