Cheryl has been in the Financial Services Industry over 35 years; she takes much pride in the fact that she guides her clients to plan and achieve for their own 'Financial Freedom', and listens to what that means to them...by so doing, she assists to manage their personal risk! Cheryl's career began in March 1983 after emigrating from the UK. Cheryl is an Independent Financial Advisor and the principal of Dunham Financial, founded in 1990. She has been a mutual fund representative since 2004, registered with Quadrus Investment Services Ltd. Change is something Cheryl has learned to adapt to over the years, given she has experienced many industry, product, tax and planning changes. This enables her to navigate personal challenges her clients may face and evolve with those changes. She believes strongly in relationship building and feels that this helps her to understand her clients personal needs and goals. Cheryl loves dogs; she's had a few over the years - Kelsey, a golden retriever is the apple of her eye! She also enjoys reading, movies, walking, cooking and travelling, and not forgetting, a little retail therapy.
Cheryl acquired her Life & Accident Insurance License in 1983; completed the Canadian Investment Funds course in 1999 and successfully completed the 'Chartered Life Underwriters' designation in 2001 and EPC (Elder Planning Counsel Designation) in 2014. She is a member of the Insurance Industry Association 'Advocis'. Cheryl attends regular meetings on and offline, conferences and seminars to keep her current with the ever changing financial climate, industry regulations and to continue her education efforts. Cheryl assist's her clients with their Retirement Planning, Tax Planning, Life Insurance Planning, Critical Needs Planning, Investments and Taxation Strategies.
Cheryl has been advising me for the past about 10 years. She has helped me through many changes in my life and has always been there when I needed her direction with things. I don't know much about investments or pay attention to the markets but it is reassuring to know that Cheryl watches them for me. She brings them to my attention when there is a portion of my investments that are not preforming to her standards and provides me with the options that she likes. I have recommended Cheryl to friends and family.
I have had the incredible good fortune of working with Cheryl for several years now. Cheryl consistently helps me to set financial goals and exceed them to extents I would never have thought possible. Cheryl has done this by always taking the care and time to analyze my complete financial situation, assess risk against my long-term objectives and then by providing clear options that are informative, comprehensive and that always fit my life and my personal goals. Cheryl is a fantastic advisor and I trust and appreciate her guidance completely!
We have known and been advised by Cheryl for the past 20 years. We are absolutely delighted with the service and expertise she has provided. It is reassuring to us the time and advice she has given to manage our accounts. We couldn't wish for anyone more trustworthy and caring.
When I first met Cheryl, I had a problem with a previous insurance provider. After explaining my situation to Cheryl, she completely made me understand what product I purchased with no pressure for attaining me as a client. Now 20+ years later I have many investments. It's a great feeling when you know and trust your financial advisor (Cheryl), a professional with knowledge and commitment to help you succeed in your own wealth. Without a doubt I would recommend Cheryl-I already have and we now have four generations working with her toward their own future successes.
Cheryl has impressed me year after year with her ability to make wise and thoughtful choices for my financial needs. Her insights and knowledge have provided me with a sense of security reaching far into my future.
In my late 20's I became a client of Cheryl's. At that age insurance and investments seemed so complicated to me. Cheryl always had a way of simplifying things. She has always been well educated and has kept up on the many changing products over the years.
Here I am 30 years later, retired. I have to give credit to Cheryl for my financial security, a legacy to leave for my children, and investments set up so that they bypass probate when I am deceased, and someone who has educated my 3 children on the importance of insurance and investments so they can be financially secure in their retirement.
In these very busy times, and the amount of clients Cheryl has, she always returns phone calls and emails in a timely fashion. Bottom line, I would give Cheryl my highest recommendations.