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Heather Freed, CFP®, CLU, CHS is an independent Certified Financial Planner servicing clients in Southern 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 their 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.

Your Freedom

It's all about the choices you make – in your personal life, in love and in business. One of the most important choices is how you safeguard your future and your freedom and how you do the same for the ones you love.

My name is Heather Freed and I help you insure your freedom. I'm an insurance broker and I understand that as a rule, people don't like to think about insurance much. That's probably because it reminds them of all the things in life that aren't pleasant – all the reasons that one needs insurance for in the first place.

My approach to insurance is a little different from other insurance brokers because I believe in a well-planned insurance program.

I provide insurance for business owners to protect their employees and to families to ensure they are taken care of.

Creating an individualized plan is, quite possibly, one of the smartest investments you'll ever make. Unlike a lot of other types of investments, insurance is an excellent defence for the future.

Creating an individualized plan is, quite possibly, one of the smartest investments you'll ever make. Unlike a lot of other types of investments, insurance is an excellent defence for the future.

My web site contains a lot of information about the many different types of insurance products I deal with; please feel free to look it over at your leisure. The material on this web site is intended for residents of Ontario only.

If you have any questions, large or small, then feel free to contact me at any time by phone at 416-806-5478 or by email at Heather@freed.ca.

Heather Freed, CFP®, CLU, CHS
Member of Advocis, FP Canada and CGIB