CFP, CLU, FEA, TEP, Senior Estate Planning Advisor, Raymond James Financial Planning Ltd.
With 24 years of financial planning expertise, Cindy David, CFP, CLU, FEA, TEP* is a Senior Estate Planning advisor at Raymond James Financial Planning Ltd. In the fall of 2009, David co-authored the timely book encapsulating the deepest economic downturn the globe has seen in decades: Financial First Aid for Canadian Investors: Stop the Bleeding, Start the Healing and Get Your Portfolio on the Road to Recovery. The book holds the distinction of being one of the Top 5 financial books of 2009, according to Canada’s MoneySense magazine. She has also penned a number of financial pieces for a variety of respected publications.
Cindy David is a well-known expert in the Canadian insurance industry. A commemorative “Award of Excellence” was presented to her in 2008 by one of Canada’s largest financial institution, Manulife Financial, for being one of the top three estate planners across the country. According to Manulife, Cindy was the youngest individual to have achieved this distinction. Cindy was also part of a special report called Women of Influence in Canada’s Life Insurance Industry, featured in the August 2014 issue of The Insurance and Investment Journal. She was more recently featured in the January 2017 & 2018 editions of Business in Vancouver’s Retirement Ready publication.
She works with many business owners in BC and retired or retiring clients. Cindy provides tax-effective solutions and expertise, and tailors customized, personal financial planning services to meet the life goals of each client. An accomplished speaker, she is often asked to be a member of industry panel discussions including presenting at the Conference for Advanced Life Underwriters AGM in Ottawa in May 2014 and she was on the only Canadian speaker on the mainstage at the Raymond James Ltd. North American Women’s Symposium in September, 2015.
Estate Planning Advisor, Raymond James Financial Planning Ltd.
Heather Roche is an Estate Planning Advisor who collaborates with Financial Advisors mainly in the Ottawa & Toronto regions to provide personalized solutions to clients concerning their financial, tax, estate and retirement planning needs.
Heather brings over 10 years of experience in the financial planning and insurance business and has a proven track record as an established Estate Planner with a comprehensive approach to Estate Planning and Insurance. Heather has been part of the Raymond James Financial Planning Estate Planning Advisory team for over five years and continues to support in the Toronto and Montreal branches. Her focus is on developing financial plans for clients that incorporate insurance-based products and strategies, supporting financial advisors and interacting with clients.
Heather is a graduate of Ryerson University holding a Bachelor of Commerce. She is a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and life insurance licensee in Ontario, British Columbia, Alberta & Nova Scotia.
Executive Director, Raymond James Canada Foundation
Janine Davies is Executive Director, Raymond James Canada Foundation, the national philanthropic arm of Raymond James Ltd. Janine works with Advisors to develop strategies for clients to incorporate charitable giving in to their overall financial and estate plans. She is currently a Board Member and Co-Chair of the YMCA Coquitlam Capital Campaign, Board of Governor of the Tri-Cities Chamber of Commerce, and an active member of the Canadian Association of Gift Planners (CAGP) and the Estate Planning Council Vancouver (EPCV). Janine employs a consultative approach to philanthropic advisory services. As a former financial advisor and Branch Manager in banking, Janine is in a unique position to advise. She is experienced in working with accountants, lawyers, and estate planning advisors to build charitable programs from start to finish.
See the Charitable Giving Program section for more information.