CLU, Chartered Financial Consultant

Professional Profile:

Member, Advocis, the Professional Association for Financial Advisors (
Licensed in New Brunswick, Nova Scotia, Ontario and Alberta
Provides tax effective Estate Planning
Assists successful business owners to develop income security
Works on either commission basis or fee for service
20 years experience in the Financial Planning industry


Chartered Life Underwriter designation (CLU) (
(12 courses from the University of Toronto on taxation law, finance, etc.)
Chartered Financial Consultant (ChFC.) – Advanced Estate Planning
Continually updates education through seminars and courses
Graduate: Eastern Charlotte Regional High School, St. George, NB
NB Teachers’ College; UNB (Bachelor of Teaching)

Main Areas of Work:

Personal Life Insurance Plans, including the ones with limited or no medical questions
Whole Life Insurance Policies with dividends, cash values, and limited premium paying period
Critical Illness Insurance Plans, which pay you a lump sum if you are diagnosed with cancer, heart attack, stroke, etc.
Health Plans, personal and group
Long Term Care Insurance to protect your savings
Guaranteed Retirement Income Plans which continue to pay even if there is no money left in the contract, but return any money you did not use to a named beneficiary when you die


Active member of the Fredericton Chamber of Commerce and the Mactaquac Country Chamber of Commerce.
United Way: Campaign Chair 1990; co-founder and past President of Forever Fund - The Endowment Fund of the United Way/Centraide Central NB
Volunteer driver for Harvest Jazz and Blues Festival and World Curling Event
Ability NB: fundraiser
Professional organization: ADVOCIS (past president of Fredericton branch)
Nature Trust of NBH: volunteer for beach cleanup/fundraiser
New Maryland United Church: past chair Mission and Service Fund, taught Sunday School, served on the board for many years
Married to Pat LaPointe, 2 daughters, 4 grandsons
Bilingual. Lived in Fredericton since 1981
Born on Grand Manan, grew up in Pennfield, Charlotte County, NB


Sailing, photography, travel, cycling, cross-country skiing, reading