Find a CEA

CFP, 

Understand clients family and business vision, priorities, goals and why;

Create financial plan which includes investment and tax strategy, saving and income strategies to achieve multi goals, priorities, and trade offs/constrains, based on net worth and cash flow;

Investment portfolio management;

Keep clients on track to their financial plan 

 I work in the high net worth market, with professionals and Business person. I  work with individuals that make more than 1MM in there companies, with more than 500000 profit. or companies with 5mm to 50 MM in revenue. I am there quarterback in all of there financial issues, personal or business.

Dave Ratke, holds a CGA, CPA designation. His background spans over 25 years of progressive experience in Edmonton, Alberta, and surrounding areas in the industries of construction, manufacturing, oil and gas, and forestry. Dave is a highly accomplished finance professional managing successful finance departments in private and public sectors, as well as public company experience in both Canada and US jurisdictions.  Dave also has previous experience as a privacy officer and is currently a Commissioner for Oaths. 

With
40+ years experience in banking, credit unions, charitable
organizations and as a business entrepreneur coaching people about their
personal finances and small business, it is my privilege to financially
coach Executors, Administrators and families through such a
life-changing event as death of a family member.

I
am also honoured to help you "Set Your House In Order" before a death
occurs by preparing a Will and Powers of Attorney. This proactive step
saves tremendous time and frustration in the future.

My mission is to help people move from Financial Insecurity to Financial Independence. To build and protect wealth for families. This covers the presentation of Financial Literacy courses, present Financial solutions to families and individuals pertaining to Life Insurance, Critical illness and Disability Income policies. Also to give solutions and recommendations to RRSP, TFSA and RESP. Estate Planning and Wealth transfer are among the services I present to my clients. My business motto is:

Your Protection is Our Goal.

A practical, balanced, and realistic approach, educating individuals on fundamental financial options, and decision making.

Services:  Insurance & Investments for individuals, corporations

Background, Experience & Education:

- Litigation & Appeal, Court Mediator (Family & Commercial)

- Business degree, Law Study, Mediation/Arbitration

I am a Financial Advisor located in Osoyoos BC.  I've been practicing for 30 years, fully licensed for investments with the MFDA in BC and AB, life licensed in BC and AB, specializing in Retirement Income Planning and Legacy Planning.  I am a Certified Professional Consultant on Aging.I am also an associate with GIC Direct providing banking products across Canada.

Designations:  HBSc. in Geology, CPCA