Family Wealth Advisers


Awards don’t just happen – we’re number 1 for a reason!  

Our Award-winning Team has been nationally ranked as,  “Top 10 Wealth Builder of the Year” two years in a row (2015, 2016), and Consumers Choice Award-winner for “Business Excellence” five years in a row (2013-2018).  In 2017 we won the,  “Readers Choice Gold Award” and most recently in 2018 the  “CHCH Business Excellence Award”.

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.

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


Fred Marchildon is an MBA graduate of McMaster University. He is President of Two Roads Inc. and GIC Financial Management Inc., and is an independent personal Financial Adviser with Investment Planning Counsel.  Fred 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

Fred’s experience includes a long and rewarding career with Dofasco Inc. in Hamilton.  He served on the Advisory Committee of the Deposit Insurance Corporation of Ontario refining best practices for financial institutions.  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. Fred volunteers his free time and resources to charitable causes.   

Employees of ArcelorMittal Dofasco Retirement Services

Fred’s career at Dofasco and his extensive network of contacts ensures that he is always up-to-date. He is thoroughly familiar with the company’s pension program and its components, including the Fund, Fund2, SRIP, DCPP, DPSP, and the 5/10 week 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 and that’s what will continue to set Fred apart from other financial advisers.


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


Danielle Marchildon BA, Financial Adviser

Danielle Marchildon BA
Financial Adviser, Guaranteed Income Specialist


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 Her responsibilities include assistant to the President,  investment support and guaranteed investment advice. 


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


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 provides investment and estate support, insurance advice, and tax planning and preparation. 


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 BA
Financial Adviser, Guaranteed Income Specialist


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 provides investment support, guaranteed investment advice, and has extensive customer service experience.


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


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.


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


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.     


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.