Philip has been in the financial services industry for over 30 years. Phil is a CERTIFIED FINANCIAL PLANNER® Professional, CFP®, Chartered Investment Manager (CIM), Chartered Life Underwriter (CLU) and Fellow of Canadian Securities Institute (FCSI). With Phil's many years of experience, he has acquired and focused his expertise in Estate Planning and Small Business Consulting. He has been awarded one of the Top 50 Advisors in Canada. Phil is a partner with B&A Financial Group.
Michelle is a CERTIFIED FINANCIAL PLANNER® Professional, CFP®, and a Chartered Life Underwriter (CLU). Michelle has worked with many clients helping them achieve financial success and continues to use her expertise in these areas to assist many diversified families. She has also been awarded one of the top Most Influential Women in Finance. Michelle is a partner with B&A Financial Group.
Bernard is a CERTIFIED FINANCIAL PLANNER® Professional, CFP® and a Chartered Investment Manager (CIM). He has diversified experience within the industry, working with banks, mutual fund and insurance companies. His experience has provided him with the expertise to help people achieve their financial goals.