Find a CEA

We provide holistic wealth management to a select group of high net worth individuals.  Our unique LifeWealth approach guides our clients through all of life's stages. 

We have combined experience of over fifty years, this knowledge allows us to guide our clients with proven expertise.

I hold the CFP, CLU, EPC and CIM designation. 

Helping clients navigate issues related to selling an estate property and doing their insurance and estate planning gives me great joy.

I have 35 years of real estate, investment,  insurance and estate planning experience. I  have a degree in Urban Affairs and Real Estate.  I’m a CPCA and Master Accredited Senior Agent, Elder Planning Counsellor and CEA.

I act as a financial quarterback connecting my clients with other trusted advisors and helping them look at their financial world in a holistic way rather than piecemeal.   

I am the author of several books on building wealth with insurance and real estate and would be pleased to provide you a copy of one of my books when we meet.

Author, Speaker as well as Fellow of CSI, Guy Daigneault has been an entrepreneur for over 25 years. He is a Certified International Wealth Manager (CIWM) and has been a portfolio manager for more than 14 years now. Our team uses a personal approach and has developed «The Prosperity Blueprint» for client to achieve their life goals.

ERAssure® Estate Risk Protection Plan Inc

Scot Dalton is a 30 year veteran of the property casualty insurance industry. With senior executive level experience in both underwriting and distribution he has focused his efforts on creating and implementing relevant financial solutions for emerging personal and corporate risks, but where insurance has never been contemplated.These new products are marketed using non-traditional distribution models; logical channel partners, quiet integration with their core business processes, and implemented using technologies that compress the distribution effort and expense.ERAssure® is a fine example of a relevant response to significant emerging risk in the pending inter-generational transfer of wealth as baby boomers age. 

Professional qualifications and memberships

• Chartered Insurance Professional, Insurance Institute of Canada
• Diploma, Insurance Administration, Mohawk College, Hamilton, ON (1978) (Dean’s List)
• Canadian Chartered Insurance Broker (CCIB)

Community Involvement

• Member, Finance Committee, Grand River Hospital Foundation, Kitchener, ON

Presentations and publications 

Scot is a frequent speaker to members of the Canadian Bar Association across Canada. He has prepared papers and presented to members of the Law Society of Upper Canada and Law Libraries across Ontario, as well as chapters of the Estates Planning Council and Canadian Association of Farm Advisors.

His presentation material is focused on risk areas for executors and estate trustees during estate administration and the related risk environment for professional advisors to estate administrators.

Meghan Davis, CPA, CA, TEP owns a Kingston-based accounting firm that specializes in tax compliance and advisory services for trustees and executors. She obtained her Trust and Estate Practitioner designation in 2017 and provides tax and estate planning advice for a private discretionary wealth management firm.

Previously, she worked in the tax practices of both international and local accounting firms and has over a decade of experience in personal, corporate and trust taxation.

Richard Desjardine has been involved in the financial services industry since 2005 and has held the position of Vice President of Development for the Canadian Institute of Certified Executor Advisors since 2011. He has been actively involved in orchestrating the cicea curriculum and ensuring the messages of simplicity and relevance for CEA candidates.Going forward, Richard will be involved in marketing the CEA program with specific focus on on-line program promotion, and ensuring the new generation of Canadian professionals takes on an active role in working with executors and testators.

Business focuses mostly on financial planning, including investments, both life and critical illness insurance and  estate planning. 

Personal financial planner c/w investments, estate planner, personal tax prep

Designations

Chartered Financial Planner, Elder Planning Counselor (EPC)  Certified Executor Advisor (CEA)

In 1994, I traded in my hammer and saw for a new set of tools. After 10 years renovating homes, I embarked on a new career in financial planning. Renovating homes was rewarding, but I couldn't face the prospect of working through yet another cold Canadian winter. So I set off to Toronto to learn my new trade and even though the environment couldn't have been more different, the lessons I had learned in the previous decade would be a huge benefit in the years to come.

The renovations I performed always involved tearing down existing structures. Opening up walls, highlights the benefits of careful planning and prudent construction. It's easy to work on a well-built home with a solid foundation. On the flip side, I saw many examples of shoddy building that led to modifications, cost overruns and missed deadlines. The reasons for the "tear down" were different for each job (structural problems, updating to code, or simply homeowners wanting a change). The tricky part was that until you opened up the wall, you were never entirely sure what conditions you were going to face. Once you busted through the dry wall, you had passed the point of no return. (A great way to learn problem solving skills)

In one of my current roles I help our clients "tear-down" their estate plans. Whether you know it or not, you already have an estate plan in place, and chances are it is not "exactly" what you want. The good news is that we don't have to bust any drywall to fix it. How can I be so sure that your estate plan needs to be renovated?

1) Structure - some plans simply don't accomplish what YOU want
2) Updating to code - taxes and laws change over time, your plans need to adapt
3) Life - has anything changed since your last estate plan (family, finances, feelings?)