Our team-based approach to wealth management is designed to allow members to focus on their unique areas of specialization, bringing a whole range of expertise to bear to effectively manage even the most complex financial situations.
He has been in the insurance business for over twenty years. In the past several years he has focused on bringing an “added value” strategy to his business owner clients. He has formed alliances with other experts in their fields and together they bring the team approach to helping business owners manager their risk.Using various strategies, they are able to offer corporate clients ideas in the following services.
– Buy/sell funding
– Partnership Insurance
– Estate Planning
– Charitable Giving
– Tax reduction strategies for Corporate Assets
– Disability Carve Out
– Executive Disability Insurance
– Critical Illness Insurance for the Executive
– Key person packages
He has also formed an association with one of the largest Employee Benefits brokers in the province, Groupe Censeo. Together they can offer employers guidance in Group Insurance, Group RRSPs and Group Pension. They have been able to help their corporate clients manage and reduce expenses.
Their services include:
– Analyses of the plan design
– Benefit analyses
– Market analyses
– Implementation of the plan
– Quarterly, Semi or Annual review.
First he likes to meet with his potential clients and gather all the relevant information, and come up with an outline of a plan. Then working with various partners he will come up with a recommendation and a plan of action. His goal is to manage risk so that his clients can manage
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Terry is one of the founding partners of Donvito O’Neill Gagné & Associates Inc. He joined the financial services industry in 1990. As a Financial security advisor, he helps his clients not only understand what they need, but helps them understand it so that they can act with conviction.
He is a firm believer in the value of lifelong learning and regularly attends educational seminars. Terry is registered with the AMF and Advocis. He is also a member of the financial services industry business association C3, and a founding member of the Advisory Group, a networking association of professional business owners and a member of CALU.
Terry is very involved in sports and community life as a participant, coach, fundraiser and advisor. He believes strongly that everyone must give back to help the community thrive. Terry has two wonderful teenagers, Emily and Ryan.