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1. Important Information Regarding FHSA Contributions Many clients have already taken advantage of Equitable’s First Home Savings Account (FHSA), available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100).
    
   Below, we answer questions we have received regarding cut-off dates for 2023 FHSA contribution tax receipts.
   
   1. The client submitted an application with a deposit before 11:59 p.m. ET on December 29, 2023. Will they get a 2023 FHSA contribution tax receipt?
   Yes, the client will receive a 2023 FHSA contribution tax receipt.
   
   2. The client submitted an application with a deposit on December 30 or 31, 2023. Will they get a 2023 FHSA contribution tax receipt?
   No, the client will not receive a 2023 FHSA contribution receipt. The client’s deposit will be made effective the next business day, January 2, 2024. The client will receive a FHSA contribution tax receipt for the 2024 tax year.
   
   However, since the client signed the application on or before December 31, 2023, they are eligible to take advantage of the 2023 contribution room in 2024 (up to $16,000 total*).
   
   
   
   3. The client submitted an application with a deposit after January 1, 2024, but it was signed on or before December 31, 2023. Will they be eligible for the 2023 contribution room?
   Yes. Any FHSA application received on or before 4:00 p.m. ET on January 12, 2024 that was signed on or before December 31, 2023 will be eligible to take advantage of the 2023 contribution room in 2024*.
   
   4. The client received a confirmation letter stating their deposit was effective in January, but the application and contribution was submitted on or before December 29, 2023, will they receive a 2023 tax receipt for their contribution?
   Yes, if the client received a confirmation letter stating their deposit was effective in January but the application and deposit was received at Equitable® on or before December 29, 2023, they will receive a 2023 tax receipt for their contribution. We are currently updating any impacted FHSA policies to reflect a December trade date. The client will receive a revised confirmation letter reflecting the December trade date.
   
   5. When will 2023 FHSA contribution tax receipts be issued?
   FHSA contribution receipts for the 2023 tax year will be mailed to clients by February 29, 2024.
   
   If you have further questions,  please contact your Regional Investment Sales Manager or one of our Client Services Representatives at 1.866.884.7427.  
    
   *Clients must consider all eligible FHSAs with any other institutions to determine their remaining contribution room.
    
   ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
   
   Posted January 2, 2024
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3. Equitable Life Dynamic U.S. Monthly Income Fund Select

    

   As a Global Equity Balanced asset class, investors benefit from long-term capital growth through investments that include a broad range of U.S. equity and debt securities. Check out Equitable Life Dynamic U.S. Monthly Income Fund Select in this issue of Fund Focus. The Fund aims to provide long-term capital appreciation and income by investing primarily in a broad range of U.S. equity and debt securities, focusing on a value investment approach when selecting equity securities. 

   
   
   
   
   
    

   Key highlights  

   • Actively manages access to the U.S. (one of the broadest and deepest markets in the world).  

   • Ability to tactically shift asset allocation to take advantage of changing market conditions.  

   • Aims to provide stability and growth to investors while providing interest and dividend income.  

    

   For more information, check out Equitable Life Dynamic U.S. Monthly Income Fund Select or contact your Regional Investment Sales Manager. 

   Posted November 2, 2023
4. Equitable Savings & Retirement Division rebrands as Individual Wealth The Equitable^® Savings & Retirement division has a new name: Individual Wealth.
   
   This change reflects how the division has grown. Over time, we have added more services and tools to help clients reach their financial goals. Our new name shows this broader focus.
   
   Why “Wealth”?
   The word “Wealth” means more than just saving for retirement. It includes investing, estate planning, tax strategies, and preparing for life events. It better describes our more holistic approach to wealth management.
   
   This update is more than just a name change. It shows our strong commitment to helping clients in new and better ways. Over the coming months you’ll notice changes across our materials, website, and contact details as we roll out this transformation. As we move forward as Individual Wealth, our commitment to supporting your business remains stronger than ever — because when we grow together, success is mutual.
   
   If you have any questions, feel free to reach out to your Director, Investment Sales.
   
   Date posted: July 24, 2025
   
   
    
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6. Advisor Code of Conduct - Updated! Our Advisor Code of Conduct sets out Equitable Life's expectations of advisors in dealing with clients and other stakeholders. The Code of Conduct forms part of your contractual relationship with us.
   
   We have updated our Code to clarify specific expectations to help you meet regulatory compliance requirements, support your needs-based sales, and treat customers fairly.
   
   Please review our updated Advisor Code of Conduct.
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