Outlook raises concern
High level of consumer indebtedness a significant risk factor for banks in 2014
Record annual profit but Q4 disappoints analysts
Outlook aided by stock market gains, lower unemployment and continuing low interest rates
AUMA climb to $36.2 billion
AUM down 29% from a year ago
Proposed federal legislation means lower profits on amended individual life insurance policies
CDS, Alpha help boost revenues despite softness in capital markets
Revenue falls 2% to $183.6 million
Wealth sales up 25%, insurance sales up 6%