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Andrew Smith, Financial Advisor, Andrew Smith Insurance Inc. Insurance products offered through Co-operators General Insurance Company and Co-operators Life Insurance Company. Andrew Smith, Mutual Fund Investment Specialist, Mutual Funds offered through Co-operators Financial Investment Services Inc.

As a leading Canadian financial services co-operative, Co-operators offers multi-line insurance and wealth products, services, and advice to build financial strength and security. We provide financial solutions and security through property and casualty (P&C) insurance, life insurance, wealth management, institutional asset management and brokerage operations.
Investments. Driven by our co-operative values, we put people – like you – first. Our personalized, easy-to-understand investing solutions are designed to help you meet your needs today and your goals for tomorrow.
Insurance. For more than 75 years, we’ve been helping Canadians protect themselves and their loved ones. And that’s not about to change. A strong financial foundation includes reliable coverage when you need it most.
Advice. Can’t decide between a TFSA and an RRSP? Not sure what the right long-term plan is for you? We provide straightforward, judgement-free advice, no matter where you are on your personal financial path.

20+ years as an advisor focusing on inter-generational wealth transfer; protecting family businesses and farmers.

M. Jasmine Sweatman, B.A., J.D., LL.M., TEP.,
C.S., EPC, CPCA, 

Jasmine has over 30 years of extensive
experience in the field of estates and trust law, including estate planning, trusts,
powers of attorney, and estate and power of attorney litigation, and has developed particular
expertise in charitable bequest management. In 2022 Jasmine was awarded the Friend of CAPG by the Canadian Association of Gift Planners and in 2023 the Exemplary Gift Planning Advisor Award from the CAPG Greater Toronto Chapter.  Jasmine was designated a Certified Specialist in Estates and Trusts Law by
the Law Society of Ontario in 2004 and has been recognized by
Lexpert® as a leading practitioner in Estate and Trusts and Charities for over 2 decades, along with being peer-rated and
listed by The Best Lawyers in Canada in the specialty of Estates and Trusts
since 2009. The author of two books one on Powers of Attorney and Capacity (2nd edition) and the other on Bequest Management for Charities (2nd edition), Jasmine is also a frequent speaker and writer. 

I proudly lead a bona fide team dedicated to serving successful families, entrepreneurs, and business leaders. Our approach combines precision planning, exceptional execution, and authentic care to help clients protect their legacies, simplify complexities, and confidently prepare for the future.

My foundation is rooted in elite-level discipline and collaboration, forged through my years as a professional hockey goalie. That unique experience taught me how to perform under pressure, rely on trusted teammates, and deliver consistent results when it matters most.

Today, those same principles shape how I guide my team, which includes dedicated financial planning expertise, thoughtful relationship management, and meticulous administrative support. Together, we deliver a team-based and holistic wealth planning experience, ensuring clients feel secure, supported, and understood.

We’re more than advisors - we’re your trusted partners, bringing genuine commitment and unwavering integrity to every stage of your financial journey.

Let’s connect to discuss how our team can support your vision of wealth, clarity, and legacy.

H+T is a multi-generational financial planning and employee benefit advisory. We strive to encourage financial planning and education for individuals and families.

We have helped many families transition wealth and businesses between generations and are passionate about making that process as smooth and efficient as possible.

Our firm is co-owned between Crystal Taylor and Scott Holden CFP and welcoming newer advisors.