Insights

Notes on planning, markets, and the decisions that come up over time. Written for people who want to understand what is happening with their money.

Mill Creek Wealth Management Designed Securities Ltd.

Independent, goals-based financial planning and investment management.

CERTIFIED FINANCIAL PLANNER™ professional · Chartered Investment Manager (CIM®)

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Serving Kingsville, Leamington, Wheatley and Tilbury

© 2026 Mill Creek Wealth Management

Important information

Timothy Ternosky is a representative of Designed Securities Ltd. Designed Securities Ltd. is regulated by the Canadian Investment Regulatory Organization (Canadian Investment Regulatory Organization (ciro.ca) and is a Member of the Canadian Investor Protection Fund (www.cipf.ca). Investment products are provided by Designed Securities Ltd. and include, but are not limited to, mutual funds, stocks, and bonds. Timothy Ternosky is registered to provide advice and solutions to clients residing in the province of Ontario.

Any advice which may be given in respect of non-securities services is given by Timothy Ternosky solely and no such advice is given in their capacity as a registrant of Designed Securities Ltd. Canadian Investor Protection Fund (CIPF) coverage is available to CIRO Dealer Members and does not offer protection, within limits, on non-securities products not held by a Member. Non-securities related business includes, without limitation, fee-based financial planning services; estate and tax planning; tax return preparation services; advising in or selling any type of insurance product; any type of mortgage service. Accordingly, Designed Securities Ltd. is not providing and does not supervise any of the above noted activities and you should not rely on Designed Securities Ltd. for any review of any non-securities services provided by Timothy Ternosky.

No information on this website shall be deemed as investment advice or a recommendation. The information provided may be gathered from sources believed to be accurate. This website is for informational and reference purposes only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult the appropriate professional depending on your particular circumstances. This website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

The opinions expressed are those of the author and do not necessarily reflect those of Designed Securities Ltd. The information contained on this website is subject to change without notice. Information has been gathered from sources believed to be reliable. Content is accurate as of the date of publication, and subject to change without notice.

By accessing links to external websites, you will be leaving this website, and Mill Creek Wealth Management of Designed Securities Ltd. is not responsible for the information contained on these external websites. Content may not be reproduced or distributed without the consent of Timothy Ternosky.

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