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I am a Certified Financial Planner and Chartered Life Underwriter with extensive experience in Financial and Estate Planning.  

I specialize in wealth preservation & growth during your lifetime and, when the time comes, the most efficient and cost effective transfer of assets to your heirs and other beneficiaries.

I'm a Financial Planner with over 30 years experience servicing clients all over Canada. I provide comprehensive financial planning advise with an emphasis on Pre-Retirement Planning. I'm also a Certified Retirement Coach to help clients with the non-financial aspect of retirement planning. I have 8 professional designations including the CFP, EPC, CIM, FCSI, CIWM, CRC, RRC, RIS and CEA

Canadian Chartered Professional Accountant (CPA, CA) with a general practice focusing on owner-managed businesses. We are the Canadian owner-managed business owner's choice for on-line professionally designated tax accountants.

Areas of practice include:
- assurance (audit & review engagements)
- tax advice, tax planning and tax preparation services, for individuals, partnerships, corporations, trusts and non-residents of Canada.
- deceased persons and estates; did you once agree to be an executor for someone's estate and now they have passed away? Being an executor is a daunting job which can consume more time than you ever imagined. We can help guide you through the tax compliance associated with an estate.

Area of professional interest: the use of technology in the work of professional accountants and tax practitioners to achieve work-life balance, enhance firm productivity with the end goal of increasing client value.

Specialties: service to Spanish and German speaking clients.

Carl Rumanek is the founder and president of Rumanek & Company Ltd. In 1967 Carl became a Chartered Accountant and practiced for 16 years before becoming interested in the insolvency field. In 1983, he began providing insolvency services and became more and more aware of the personal and emotional toll of debt. He holds a BIA Insolvency Counsellor’s Qualification Certificate and is a licensed Trustee in Bankruptcy and Administrator of Proposals. Carl suspects that many of his clients suffer from what he calls “debt stress”. All aspects of their lives are affected: family, work, and social life. Prior to initial consultations, people feel desperate because they believe there is no hope. He urges anyone with financial problems to take advantage of his firm’s free initial consultation to stop the emotional stress before it becomes a physical/medical problem.Services are offered at various office locations: Toronto Downtown, Toronto Mid – Town, North York, (Head office), Scarborough, Etobicoke, Mississauga, Niagara Falls, Barrie and Creemore, Ontario.

Plan with Joy Financial Services Inc. specializes in Permanent and Term Life Insurance, Critical Illness Insurance, Income replacement plans, Individual and Group Health and Dental benefits, GIA, RRSP, RESP, RDSP, FHSA, TFSA, Non-registered Investments and Investment Loans. 

Financial advisor for 37 years serving clients in Canada as well as USA with an MBA, CFP, CSC, CSA ,CFRE and CFC degrees and designations.. In addition to having full financial service offices for clients also has In-depth experience in charitable giving and the structures and strategies involved with that to meet a client's personal as well as corporate purposes. Key note speaker in Canada as well as USA for national conferences as well as ongoing financial expert pieces and consultant for radio and television.

My Services:

1. Comprehensive Financial Planning
2. Retirement Planning
3. Wealth Creation, Wealth Preservation and Wealth Transfer to future generation
4. Children Education Savings plans, RESP
5. Income Replacement, Critical Illness and Life Insurance
6. RRSP Loans, GIC's, RRIF
7. Investment and Segregated Funds
8. Tax and Estate Planning
9. Mortgages
10. Representative of Top Insurance Companies:Canada Life, Manulife Financial, Sun Life, BMO Insurance, Desjardin Financial, Equitable Life, Industrial Alliance, RBC Insurance

Holding CLU, CH.F.C, and CHS Designations.

Experience since 1994.

11.Buying and Selling Real Estate Investments since 2003.