Family Wealth Advisors

imgp0075

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

Success is measured by our client’s success.  Our Award-winning Team has been Nationally ranked/awarded,  “Top 10 Wealth Builder of the Year” two consecutive years, and received the Consumers Choice Award for “Business Excellence” for ten consecutive years!  Locally we have been awarded, “Readers Choice Gold Award” and “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 clients’ retirement and estate plans, while maximizing family income throughout retirement using effective tax planning.

Our team’s core competencies include;

  • Wealth Management & Retirement Planning
  • Pension Plans, (e.g. CPP, OAS, ArcelorMittal DOFASCO, HOOP, OMERS, etc.) 
  • Retirement Income Management
  • Tax Preparation & Planning
  • 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 Advisors.

Our Team

Frederick Marchildon MBA | PRESIDENT

Frederick Marchildon MBA | PRESIDENT

Qualifications

Fred Marchildon is an MBA graduate of McMaster University. He is President of Two Roads Inc. and GIC Financial Management Inc., and is a Retirement Income Specialist and an independent personal Financial Advisor with Investment Planning Counsel.  Fred has his Life and Mutual Fund licenses.

Fred’s experience includes a long and rewarding career with ArcelorMittal 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 Employees of Dofasco Credit Union Ltd., the Golden Horseshoe Credit Union Ltd., and Catholic Family Services of Hamilton. Fred volunteers his free time and resources to charitable causes.   

Employees of ArcelorMittal Dofasco Retirement Services

Fred’s career at ArcelorMittal Dofasco and his extensive network of contacts ensures that he is always up-to-date on issues related to their pension. He is thoroughly familiar with the company’s pension program and its myriad of components, including the Fund, Fund2, SRIP, DCPP, DPSP, and Retirement Allowance.  Two Roads Inc. presents regular workshops on the ArcelorMittal Dofasco Pension Program and hundreds of employees have attended and benefited. The Two Roads Centre 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.

Personal

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 Advisor

Danielle Marchildon BA
Financial Advisor, Guaranteed Income Specialist

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,  investment support and providing guaranteed investment advice. 

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 | VICE PRESIDENT

James MarchildonJames Marchildon | VICE PRESIDENT
Senior Advisor, Tax & Life Insurance Specialist

Qualifications

James is Vice President of Two Roads Inc. and is a Retirement Income Specialist and an independent personal Financial Advisor. As a Senior Advisor and Retirement Income Specialist he provides investment and estate support, insurance advice, and tax planning and preparation. 

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 serves as a Director on the Board of the Golden Horseshoe Credit Union Ltd.  He is Mutual Fund and Life licensed.

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 traveling and spending time with family and friends.

 

Victoria Marchildon BA | Client Account Manager

Victoria Marchildon | CLIENT ACCOUNT MANAGER
Executive Assistant & Guaranteed Income Specialist

Qualifications

Victoria joined the company in April 2019 following her graduation from Ryerson University. As Client Account Manager Victoria manages assigned client accounts, acting as the first point-of-contact, addressing account issues and working with our Financial Partners, to ensure that clients receive the products and services they require in a timely fashion. Her Executive Assistant responsibilities include supporting senior Management.  

Personal

Victoria resides in Hamilton . In her leisure time she likes to exercise, enjoys traveling and spending time with family and friends.

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 Advisor

imgp0069Joan Hartz CFP CSA
Financial Advisor

Qualifications

Joan Hartz has been in the financial services arena since 1972.  She joined the company in 2003 and in 2009 she became Chief Compliance Officer and 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.