How I Help

With every client, I follow a life-stage-based approach to financial planning, offering guidance that grows and evolves with you:

Stage 1: Students in Healthcare Fields

Planning RESP withdrawals

Credit-building advice
Early disability insurance for future income protection
Guidance on setting professional goals and timelines

Stage 2: Newly Graduated Professionals

Debt minimization strategies

Basic investment plans (RRSP/TFSA)
Decisions about health and disability insurance
Planning for car purchase or lease
Saving for a first home
Planning ahead for practice ownership

Stage 3: New Practice Owners

Professional incorporation and family trusts
Financing for practice or a larger home
Income splitting with spouse and children
Asset protection and creditor proofing
Investment strategy design
Full insurance and risk needs analysis
RESP and long-term cash flow planning

Stage 4: Mid-Career Professionals

Strategic spending, saving, and investing
Insurance updates based on new net worth

Retirement cash flow forecasting
Estate planning for aging parents
Education funding for children
Bonus/income windfall strategies

Specialty strategies (trusts, real estate, private equity)

Stage 5: Practice Transition / Sale

Exit strategies and income generation post-practice
Tax-efficient drawdown of assets
Associate roles in semi-retirement
Wealth and income planning for adult children
Revisiting estate and insurance needs

Stage 6: Retirement

After-tax income optimization
RRIF conversions and cash flow design
Real estate downsizing
Charitable giving and legacy planning
CPP/OAS timing strategies
Spousal and multigenerational estate planning

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* Mutual funds distributed through Desjardins Financial Security Investments Inc.

This site is not the property of Desjardins Financial Security Investments Inc. (DFS Investments). DFS Investments has control over the content of this site by their review of the information provided in accordance with its policies and procedures. DFS Investments is not responsible for the content in this website that is unrelated to the business of DFS Investments nor is it responsible for the monitoring or supervision of these other business activities.

Desjardins Financial Security Investments Inc. (DFS Investments) is a corporate body separate and apart from Desjardins Insurance¹.
DFS Investments is a mutual fund dealer registered in every Canadian province and territory and an exempt market dealer registered in Quebec. It is also registered in every Canadian province and territory for the distribution of insurance products. DFS Investments' advisors may be qualified to provide advice on mutual funds, exempt market products and other investments products, among other things.
In Québec, DFS Investments is also registered as a restricted dealer, a group insurance of persons and a financial planning firm.
Unless otherwise indicated, investments in products distributed by DFS Investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public deposit insurance fund, as the case may be, nor are they guaranteed, in whole or in part, by Desjardins Insurance¹, and their value is subject to market fluctuations.

¹ Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products.