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Karen Chalovich
Teresa Smith
Heather Gingell

Tel: 905-373-1507
Toll Free: 1-800-934-9992
Fax: 905-373-9331

Address
17 King Street E.
Cobourg, ON
K9A 1K6
Map

Karen Chalovich

As investment professionals, we help individuals and families to make the right decisions with their money for their unique financial and life goals. Financial matters are complex and we can provide help and resources. Our goal is to provide clear guidance on the many investment options available for clients to make meaningful choices. Together, investment solutions are confidently selected to help grow and preserve your wealth and income. Our clients are important and we are pleased to assist them to achieve their dreams.

SPECIALITIES:
Investment Management
RRSPs, RRIFs and Retirement Planning
Managed Accounts
Wealth Management
Investment Tax Planning
Insurance and Estate Planning*
Charitable Donations

 
PRODUCTS AND SERVICES
MANAGED PRODUCTS



KAREN'S FOCUS is to provide clients with informed advice, with 30 years of experience as a professional Investment Advisor. She can help you analyze your situation taking into account your financial objectives, economic and market conditions. Her goal is to assist clients to invest in high quality investments to achieve and preserve their wealth. She helps individuals, corporations, and trusts who would benefit from the assistance of a professional advisor.

Karen believes in lifelong learning. In addition to her University degree, she undertakes numerous professional industry training courses to continue her expertise to plan and manage your money up to date with the newest strategies and legal compliance.

Community involvement is very important to Karen as she contributes in many ways through political, social, charitable, education, business, and women and children's organizations.

KAREN'S SERVICES includes: Investment Portfolios, Planning and Management, Retirement Planning, Retirement Savings Plans (RRSPs), Retirement Income Funds (RRIFs), Registered Education Savings Plans (RESPs), Tax Free Savings Accounts (TFSAs), Fixed Income Securities, Stocks, Mutual Funds, Fee-Based Accounts, Portfolio Management, Wealth Management, Investment Tax Planning, Insurance and Estate Planning through BMO Nesbitt Burns Financial*.

KAREN'S TEAM Teresa Smith, Sales Assistant & Investment Representative, with 20 years financial and insurance services experience, handles documentation & assists Karen with client accounts.

Heather Gingell, Marketing & Administrative Assistant with 40 years Administrative experience, handles Client Services & Marketing.

Please contact us for more information.

EDUCATION:

Chartered Investment Manager (CIM), Cdn Securities Institute

Portfolio Management Techniques (PMT), Cdn Securities Institute
Investment Management Techniques (IMT), Cdn Securities Institute
Wealth Management Service Specialist for High Net Worth Clients, BMO Nesbitt Burns & Knowledge Bureau
Certified Professional Consultant on Aging (CPCA)*
Professional Financial Planning Course (PFP), Cdn Securities Institute
Branch Managers Course, Cdn Securities Institute
Partners/Directors/Officers (PDO), Cdn Securities Institute
Life Insurance Licence, Levels 1 & 2
Canadian Options Course, Cdn Securities Institute
Fellow of the Canadian Securities Institute (FCSI)
Canadian Investment Finance (CIF), Levels 1 & 2, Cdn Securities Institute
Registered Representative (C.P.H.), Cdn Securities Institute
Canadian Securities Course (CSC), Cdn Securities Institute
BA, University of Western Ontario, London, Canada



 

1*Today, the word "retirement” has a much broader meaning than it once did. To provide Advisors with the knowledge and resources to meet the evolving needs of those approaching or in retirement, BMO Financial Group has provided access to the Addressing the Wealth Needs of an Aging Population: Certified Professional Consultant on Aging (CPCA) course. This is a comprehensive program that explores the broad range of health and socio-economic issues on the minds of Canadians entering this stage of their lives.

Having completed the CPCA program, I have an enhanced understanding of the issues faced by pre-retirees and retirees as they approach and transition through the various phases of retirement. This educational program has given me the tools and expertise that will allow us to work together to identify practical options and solutions to help you achieve your retirement goals.