About Us

Heather Freed, CFP®, CLU, CHS is an independent Certified Financial Planner servicing clients in Southern Ontario. She is licensed to sell products only in the province of Ontario. She works for her clients to help them find the best and most appropriate coverage. Most of her clients are business owners and self employed individuals looking to protect themselves, their families and employees in a cost effective manner. Areas of expertise include: Estate and Succession Planning, Financial Planning (including Retirement Planning), and Employee Benefits.

Heather is continuously upgrading her knowledge to serve her clients better. She has the following designations:

  • CFP® - Certified Financial Planner - The Certified Financial Planner designation is an internationally recognized standard for financial planning. It is granted by the Financial Planners Standards Council (FPSC). An advisor with a CFP may help you with personal financial planning and offer advice on investment products and strategies.
  • CLU - Chartered Life Underwriter - For more than 80 years, the CLU designation has been widely recognized as a mark of excellence in the industry. The Chartered Life Underwriter is a professional financial advisor specializing in developing effective solutions for individuals, business owners and professionals in the areas of income replacement, risk management, estate planning, and wealth transfer.
  • CHS - Certified Health Insurance Specialist - A CHS is a professional financial advisor specializing in living benefits, including income replacement and risk management solutions for individuals, business owners and professionals. The CHS is the only designation in Canada denoting specialized knowledge in all areas of living benefits and is the premier credential in the health insurance industry.
In addition, Heather gets at least 30 hours of Continuing Education every year.

Each of her clients has unique requirements. She provides expert and impartial advice to meet her clients needs today and in the future. Together they look at the big picture, their current situation and their individual goals. Then, they develop a sound, structured plan / solution with the proper tools and resources, in order to meet those expectations and goals.

Heather belongs to Advocis - The Financial Advisors Association of Canada. Advocis is the oldest and largest voluntary professional membership association of financial advisors in Canada. What does that mean to you? It means that Heather follows a Professional Code of Conduct, upholds standards of best practice, participates in ongoing continuing education programs, maintains appropriate levels of professional liability insurance and is committed to putting her client interests first.

Heather is involved with a Woman's charity that raises funds and supports women and children in need. She also sits on several non profit boards.

Call Heather for a no-strings "Good Offence" insurance assessment to help ensure that you Insure your Freedom.