Find a CEA

Are
you wondering what it is you can do to organize your Estate ahead of time?

Well
you are not alone. 

I
have assisted thousands of people with organizing their important papers ahead
of time.  I can help you calm the chaos,
identify gaps in your estate plan and help you fill these gaps.

The
sense of accomplishment and relief you will feel is fantastic.  As one lady said “I feel like a million
bucks. I know what I have, where it is and what I want done with it.”  Yes indeed this is a gift for your Executor.

If
you would like to know more about organizing your estate ahead of time or if
you are working through closing an estate I can help you out.

Let’s
chat

Kat
Downey 905 717 9197 katdowney@legacymatters.ca www.legacymatters.ca

Since 1994, I have been helping my clients achieve their financial
objectives.  You should know that I get
the greatest satisfaction working for my clients and striving to be their
trusted Advisor.  Like most advisors, I
do all the background work and analysis, and develop sound financial plans for
my clients.  However, I don’t just make
projections and my advice is not based on quotas and product selection that you
will find at Banks and other institutions with limited or narrow
offerings.  I’m conservative in nature
because I believe in capital preservation and I advise taking risk only when it
makes sense for my client, not for me.

I’m excited to have the enhanced knowledge of a CEA; Certified Executor Advisor.  I look forward to working
with people as they write their Will(s) and appoint Executors who will be charged with the duty of administering the Testator's Estate.  I will also be working with Executors as they prepare for their roles or while they are called upon to start the Estate administration process.

With over 30 years of advising clients on financial matters including insurance and investments and focusing on a holistic approach to individual/ family changing needs and solutions at every stage of life.

As a Financial Advisor and former teacher with over 30 years experience int the financial industry, I believe the Certified Executor Advisor designation to be of great value to my existing clients and new clients moving forward. Losing a loved one is difficult enough without all of the recent changes to the Executor's duties and responsibilities.  Let me use my knowledge and experience along with my Educational background to help you.

Eby Financial Group has been partnering with clients for over 25 years. We are a team of knowledgeable professionals offering customized Wealth Management Strategies and Insurance Solutions to individuals, business owners and multi-generational families.

Our clients appreciate a long-term relationship based on trust, integrity and results. We offer informed advice and work to simplify the administrative burden involved in managing finances effectively. If you would welcome more clarity than you currently have, we would be pleased to meet you.

I continue to earn my client's trust through professional, competent and consistent personalized financial planning. As a Certified Financial Planning professional (CFP) and Chartered Life Underwriter(CLU), I bring a great deal of value to the client relationship. My 30 plus years of professional experience underpins my ability to guide clients through the complexities involved in the development and implementation of a comprehensive financial plan; a plan that will support their lifetime of financial goals. This financial planning process is greater than just retirement and investment planning - it also encompasses planning for estate, gifting, taxation, and risk management. Over time, these strategies will support tax efficient intergenerational wealth transfers, business succession and/or estate transfers.Through my relationship with IG, I have an impressive team of lawyers, accountants and tax/estate professionals that support me in providing clients with the best solutions for their unique situation. Simply put, I offer comprehensive planning wrapped in an extraordinary client experience! 

Kevin P. Empey is an independent Certified Financial Planner ® with Investment Planning Counsel. He has been helping individuals, families, and business owners achieve their financial goals since 1999. Kevin undertakes a thorough and specialized approach to the development and implementation of comprehensive financial plans for his clients. 

Prior to joining Investment Planning Counsel, Kevin was a Professional Civil Engineer in Ottawa, Ontario. He has integrated the same precision, problem-solving, and analytical attributes into his financial planning practice. 

Kevin continues to commit himself to maintaining long-term client relationships to help each client reach their financial goals.  

Gil is married and has three children with his wife
Carol. He grew up on a family farm at Glenavon, Saskatchewan.  The agricultural roots and strong family
influences dominate the value Gil brings to the succession and retirement
planning he specializes in for farming clients and small business owners
throughout the province. Being a CEA (Certified Executor Advisor) enhances
value for those families.

Gil gained his CLU (Chartered Life Underwriter) (1994),
CHFC (Chartered Financial Consultant) (1995) degrees from University of Toronto
and CFP (Certified Financial Planner) designation (1996) from the Financial
Planners Standards Council. The Canadian Securities Course was passed in 1995.
Gil is a Notary Public since 1998. Education and the pursuit of excellence in
financial planning for his clients is a hallmark of Gil’s career.

Outside of work Gil loves to travel, golfing, hiking,
making wine and visiting with family and friends. He has and continues
volunteer activities with Knights of Columbus, Lions Club – past board member
and officer of both, Regina Optimist Dolphins Swim Club - past board member and
officer and with Canadian Association of Farm Advisors (CAFA).

Gil is dedicated to the premise, “We improve people’s
quality of life by simplifying their financial affairs!” He says the following
about his every day work with his clients, “I have great relationships with my
clients. Wealth is not a measure of just assets; to me it is a measure of
well being. I continue to help people wherever I can, using the tools and
talents I have at my disposal.”

As a Wealth Management Strategist, I work with families and professionals to develop a clearly-focused picture of your financial life that guides you to accomplish your goals in a manner consistent with who you are and the resources you control. I discern the best options available for each unique client situation by applying my 10+ years of experience in estate design, risk management, tax efficiency, and government benefits.

My experience the past 24 years in the financial and wealth management profession, have been spent in the private accounting profession, as well as an investment advisor, a commercial banker, then as a private banker and currently occupy a position as a Wealth Advisor. 

My credentials include  B.Comm., PFP and CIWM.

As a Wealth Advisor, my role is through a deep discovery process, help clientele formulate a plan of address for their finances and wealth.  Together, we will prioritize their needs in the short term and long term, addressing concerns  pertaining to their finances and wealth.  During this process, I hope to discern what is truly important to the client, and may even address issues and concerns they may have overlooked or may not have been aware of.  The next step is to assemble a team of professionals from the many departments at my disposal, ranging from private banking, investment management, private trust, will & estate lawyers, and commercial bankers, to fully address all the clients' concerns, and to formulate a truly holistic plan incorporating the many aspects of our clients' lives.  During the execution process of this plan, I co-ordinate the various individuals from multiple departments, and represent the link to the clientele.  This helps to ensure the client  remains the focus of our efforts, and each department conducts themselves in the best interest of the client.