L&A Financial | Napanee ON

About us

We’ll help you build a personalized financial security plan. Financial security planning is about more than just retirement planning – it’s about building a financial strategy that considers your immediate needs and your long-term goals and dreams.

Tim Reynolds, CFP®, CHS
Certified Financial Planner®
Investment Representative
Tim Reynolds | Certified Financial Planner | Lennox & Addington | Napanee ON

Since entering the financial advisory industry in 2007, Tim has committed himself to helping his clients achieve their own definition of financial security and well-being. As a married father of three, and a homeowner, he understands the everyday needs, concerns, and uncertainties facing young families both today and in the future. He has also had an eye towards his own retirement, and with a large number of his clients either in or approaching retirement, has spent an large portion of his career to date helping these clients navigate through this complex time in their lives. This has given him both the experience and knowledge to advise in this area with confidence and wisdom.

Tim believes that “knowledge is power”, and set a goal early in his career to attain relevant professional designations and further his financial education. He completed the education requirements and obtained the Certified Financial Planner® (CFP®) designation as well as the Canadian Health Insurance Specialist (CHS) designation in the summer of 2011. These designations show his commitment to both his clients and his education, and give him the ability to confidently advise his clients. The next designation Tim is looking to attain is the Charter Life Underwriter (CLU), which he hopes to begin later this year.

Tim and his wife, Mary Ann, live in Napanee, with their children, Ross, Devin and Natalie.

Tasha Howe, B. Comm
Financial Security Advisor
Investment Representative
Tasha Howe| Financial Security Advisor| Lennox & Addington | Napanee ON

Since entering the financial advisory industry, Tasha has committed herself to providing personalized and professional service for each and every client.

Tasha holds a Bachelor of Commerce Degree from the University of Guelph. Following university Tasha moved to western Canada where her entrepreneurial drive led her to open a restaurant in Kelowna, BC. After 9 years of being away from her tight knit family, Tasha made the decision the sell her share of the business and move back closer to home.

Helping people, whether it’s planning for retirement or buying a home, is truly Tasha’s passion. In addition to developing a custom financial plan for each client, she conducts regular meetings with clients to review performance, reconfirm financial goals and make adjustments as lifestyle or economic conditions warrant.

She lives in Napanee with her husband and two daughters.

Craig Kasaboski
Financial Security Advisor
Investment Representative
Craig Kasaboski

Craig is committed to helping his clients achieve their own definition of financial security and well-being. As a married father of two, and a homeowner, he understands the everyday needs, concerns, and uncertainties facing young families both today and in the future.

Craig works with clients, planning strategies to maximize their investment into their future and to help minimize the impact that an unforeseen event would have on their financial security. Craig had been working at Collins Blay LLP as an accountant for 18 years before joining Freedom 55 Financial and feels this helps enhance his abilities in taking care of his clients.

He volunteers his time with Ducks Unlimited – Westport and Rideau Lakes chapter and has been a soccer coach/volunteer with Kingston United, Kingston Clippers and Queens Junior Gaels.

Mary Ann Reynolds
Financial Security Advisor
Investment Representative
Mary Ann

After many years working as a Ward Clerk at Hotel Dieu Hospital in Kingston, Mary Ann decided to take her career in a different direction and become a Financial Security Advisor. She joined her husband, Tim Reynolds at L&A Financial in 2020, seeing the benefit of working together to help build their business and contribute to the day to day running of operations in the office.

Mary Ann and Tim live in Napanee with their two daughters, two dogs and their grown son lives nearby. Mary Ann would love to talk to you and help you with your financial and insurance needs.

Bob Vrooman, CFP®, CLU, CHFC
Certified Financial Planner®
Investment Representative
Bob Vrooman | Certified Financial Planner | Lennox & Addington | Napanee ON

Bob has been with London Life since 1972, and during this time he has obtained his Chartered Life Underwriter (CLU), his Chartered Financial Consultant (CH.F.C.) and his Certified Financial Planner® (CFP®). These designations show Bob’s commitment to his clients, by doing all that is required in order to provide them with excellent service.

At present Bob devotes the majority of his time to pensions and arranging retirement cash flow for his clients.

Supporting our community is important to Bob and he has served in several volunteer capacities in the past, as well as presently.

Bob and his wife Jean reside in Napanee and have three adult children and three grandchildren.

Beth Heaney, M.S.ED.
Director of Marketing and Communications
Beth

After receiving her Masters in the Science of Education, Beth was drawn towards a career in administration where she could put her love to educate, organize and create systems to good use. Beginning in Real Estate and transitioning to financial security planning, she enjoys working with clients and loves the behind the scenes work that goes along with it!

Aside from her time at the University of Waterloo and Medaille College in Buffalo NY., Beth has lived in Napanee her entire life and enjoys spending time with her husband raising their two children in this wonderful community!

She would love to help you plan your future. With the knowledge and experience of the staff and financial security advisors at L&A Financial, she knows you will be looked after every step of the way!

Lisa Kerr
Executive Assistant
Lisa Kerr | L&A Financial | Napanee ON

Lisa joined L&A Financial in 2011 as a part-time administrator and hasn’t looked back! She is now our full-time admin and go-to person. She is Life and Mutual Fund Licensed.

Lisa lives here in Napanee with her 3 daughters Montana, Cheyenne and Madison. Although Lisa was born and raised in the area, she loves to travel!

She will welcome you with a smile and is happy to assist you with the services L&A Financial has to offer!

Supported by a team of experts

When specialized expertise is required, We have access to a team of professionals associated with Freedom 55 Financial. They specialize in tax, law, accounting, investments, insurance, group benefits, mortgages and financial security planning.

Denise Daoust
Credit Planning Consultant
Canada Life Assurance Company
Denise Daoust

Denise has been with London Life since 1999, and she passionate about offering complex cash flow analysis, credit and other services to help our clients achieve stronger financial security and other financial goals.

Her role is to recognize opportunities for London Life mortgage and lending products as a part of a client’s financial security plan. She provides expertise in the areas of credit options, financing home purchases, improving cash flow, and debt consolidation.

Gianpaolo Frigo
Account Executive
Business Development, Group Customer
Canada Life Assurance Company

I’ve been extremely fortunate to have had the opportunity to work in several diverse roles within the Financial Industry, ranging from Real Estate Secured Lending, Credit Card Insurance Sales, and Group Insurance Consulting. Currently, I’m working with Canada Life as an Account Executive in Group Insurance, covering mainly the Ottawa and Kingston market.

Outside of work, I have a strong passion for watches, cars, and racing. I founded one of the largest private supercar clubs here in Ontario to date. Prior to COVID, I hosted events across North America where like-minded individuals can share their passion together. I’m excited to share my passions with you and get to know yours as well.

Fred Kyriazis, CPA, CA
Wealth and Tax Planning Consultant
Canada Life Assurance Company
Fred Kyriazis

Fred has been a practicing CPA, CA, for the past 12 years for both large and mid-sized accounting firms in Ottawa. He has completed the CICA In-Depth Tax Course (parts I-III) and is specialized in Canadian taxation.

Over his years in practice, Fred has primarily worked with business owners, professionals and high-net worth individuals helping them effectively structure their financial affairs by implementing strategies to accumulate wealth while minimizing taxes, both personally and corporately. He is professionally fluent enabling him to engage advisors and client opportunities in either English or French.

Jonathan Polcari, CIM® (Chartered Investment Manager)
Regional Sales Manager (Ottawa)
Canada Life Assurance Company
Jonathan Polcari

Jonathan is a Chartered Investment Manager with a Bachelor of Commerce degree and has been in the investment industry since 2008. He graduated with honors from the John Molson School of Business at Concordia University.

Jonathan began his career as a stock, bond, and futures trader for a proprietary trading firm in Montreal. After gaining 5 years of trading experience Jonathan decided to explore new opportunities in mutual fund sales, wholesaling to investment advisors in Montreal. After more than two years of wholesaling with Canada’s largest independent mutual fund company, he relocated to Ottawa, where he joined the Canada Life wealth team in 2015.

Jonathan and his wife Jeanne have two wonderful children, Nathan and Elina. Jonathan is an avid martial artist, with over a decade of experience in boxing and kickboxing. He has embarked on a new challenge and is working towards a black belt in Brazilian Jiu-jitsu.