Family Wealth Advisers

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Awards don’t just happen – we’re number 1 for a reason!  At Two Roads Financial Centre we help Canadians make better retirement decisions. The Two Roads team concentrates its expertise on developing personalized investment and tax-efficient strategies to preserve capital for our client’s retirement and estate plans, while maximizing family income throughout retirement through effective tax planning.

Our award-winning team has been nationally ranked as “Top 10 Wealth Builder of the Year” two years in a row (2015, 2016), across Canada, and named Consumers Choice Award-winner for Business Excellence five years in a row (2013-2018).

Within our team of family wealth advisers our core competencies include;

  • Wealth Management
  • Pension Programs (e.g. CPP, OAS, DOFASCO, HOOP, OMERS, etc.) 
  • Retirement Income Management
  • Tax Planning and Preparation
  • Personal insurance

Starting the conversation about money matters isn’t always easy, Get in Touch  or call for a private appointment with one of our Family Wealth Advisers.

Our Team

Frederick Marchildon MBA, President

Frederick Marchildon MBA, President
FPSC Level 1 (FPE1) ® Certificant in Financial Planning

Qualifications

Fred Marchildon is an MBA graduate of McMaster University. He is President of GIC Financial Management Inc. and an independent personal Financial Adviser with Investment Planning Counsel.  He has his Life and Mutual Fund licenses and his FPSC Level 1 (FPE1) Certificant in Financial Planning from the Financial Planners Standard Council (FPSC) of Ontario www.fpsc.ca

Fred had a rewarding career with Dofasco Inc. in Hamilton and served on the Advisory Committee of the Deposit Insurance Corporation of Ontario refining best practices for financial institutions.  He volunteers his free time and resources to charitable causes. He is a past Director on the Board of Directors of Catholic Family Services of Hamilton and served as Chairman of the Board of Directors of the Golden Horseshoe Credit Union Ltd.  

Employees of ArcelorMittal Dofasco Retirement Services

Fred’s career at Dofasco and his network of contacts across the company means he  is thoroughly familiar with the company pension program and its components, including the Fund, Fund 2, SRIP, DCPP, DPSP, benefits and the retirement allowance. Fred runs regular workshops on the pension program and has presented to hundreds of Dofasco employees educating them on their pension. He continues to provide practical and valuable information to assist employees with their retirement planning.

Investment Philosophy

Fred has deep roots in the community and a great appreciation for the issues facing families. He has always believed that what the majority of hardworking families want is to improve the quality of life for themselves and their family. With respect to investment advice and retirement planning people want low-risk and reasonably priced solutions, honest advice and they want to work with someone they can trust. Fred delivers this every day to his clients not because it would provide him an advantage, although it will. He has done this and will continue to do this for the fundamental reason that it is the right thing to do. That’s what will continue to set Fred apart from other financial advisers.

Personal

Fred lives in Hamilton, Ontario with his wife Karen, close to their four children and ever-growing family. Fred’s interests include cars, sports and aviation; he is a seasoned pilot. As a family the Marchildon’s enjoy theatre, sports and outdoor activities.

 

Danielle Marchildon BA, Financial Adviser

Danielle Marchildon BA
FPSC Level 1 (FPE1) ® Certificant in Financial Planning

Qualifications

Danielle joined the company in April 2009 following her graduation from McMaster University. She is Mutual Fund licensed, has her FPSC  Level 1 (FPE1) Certificant in Financial Planning from the Financial Planners Standard Council (FPSC) of Ontario www.fpsc.ca. Her responsibilities include assistant to the President, client investment management and guaranteed investments. 

Personal

Danielle resides in Hamilton with her husband and their young family. She keeps active in the community volunteering.  In her leisure time she enjoys playing volleyball and baseball. She likes to read, travel and spend time with family and friends..

 

James Marchildon, Financial Adviser

James MarchildonJames Marchildon
Financial Adviser, Tax & Life Insurance Specialist

Qualifications

James joined the company in 2012. He attended Brock University and is a graduate of the Mohawk College McKeil School of Business Financial Services Program. James is Mutual Fund and Life licensed. As a Retirement Income Specialist he works with clients to provide investment, estate and insurance advice, as well as tax planning and preparation. 

Personal

James resides in Hamilton with his wife and their young family. He keeps active in the community volunteering. In his leisure time he likes to exercise and play hockey and baseball. He enjoys travelling and spending time with family and friends.

 

Trish Richardson BA, Financial Adviser

Trish Richardson – B.A
Financial Adviser & Guaranteed Income Specialist

Qualifications

Trish joined the company in September, 2008. She previously worked with a Mortgage Broker/Financial Planner in the Caledonia/Brantford area. She graduated from McMaster University with a Bachelor of Arts degree in Economics and has recently completed the Registered Deposit Brokers course for GIC’s. Trish has extensive customer service experience and thoroughly enjoys speaking to clients every day.

Personal

Trish lives in the Cayuga area with her husband and their three children. Her children are very involved in sports which keep her busy in her leisure time. She also enjoys camping, reading and music.

 

Suzanne Cramm BA, General Manager

Suzanne Cramm  imgp0065
General Manager

Qualifications

Suzanne joined the company in 2006.  She is a graduate of McMaster University.  She is responsible for office operations and procedures, payroll, accounting, bookkeeping, and supplier relationships.

Personal

Suzanne lives in Hamilton with her husband and their three children.  In her leisure time she enjoys music, travel and spending time with family and friends.

Joan Hartz CFP, Financial Adviser

imgp0069Joan Hartz CFP CSA
Branch Manager

Qualifications

Joan Hartz has been in the financial services arena since 1972.  She joined the company in 2003 and in 2009 accepted the position of Chief Compliance Officer and serves as the Branch Manager.

Joan has her Certified Financial Planner (CFP) and Certified Senior Advisor (CSA) designations.  She is also insurance licensed.     

Personal

Joan has lived in the Hamilton-Dundas area all of her life. Family has always been a priority.  One of Joan’s younger sisters recently moved into a nursing home; she is well versed on the challenges faced by those who have aging and ailing family members.  Vacations are spent with her nieces and nephew and two grand-nephews in sunny California.