Based in Bathurst · Serving the Maritimes & Ontario
Financial planning that starts with your whole picture.
I build plans for families and business owners: protecting what matters, growing investments and turning savings into retirement income. Every plan starts with a full financial needs analysis, so the products fit the plan, not the other way around.
Born & raised in Bathurst · B.Com. Finance, University of Ottawa
i.How I work
No quick quotes. We look at everything first, then decide together.
We talk
Your family, your home, your goals, and any coverage you already have.
Needs analysis
I map out what your family would actually need if something happened: income, mortgage, debts and future plans.
Your plan
A precise plan built around your goals, with the right products to get there. Explained in plain language, and you decide what fits.
ii.What I help with
One plan for protecting, growing and using your money.
Mortgage protection
Coverage that pays your family, not the bank, and stays with you if you switch lenders.
Family & income protection
Life, critical illness and disability coverage to keep your family's lifestyle intact if you can't work or aren't here.
Final expenses
Coverage for funeral costs and final bills, including options with no medical exam.
Investment planning
RRSPs, TFSAs, RESPs and non-registered savings, invested around your goals and comfort with risk, with options that guarantee part of your capital.
Where most plans stop, mine keep going
Retirement income & withdrawal planning
Saving is half the job. We plan exactly how you'll turn it into income, and stress-test the plan against a bad market year.
iii.Business owners & wealth planning
Strategies for what you've built, and what you'll pass on.
When your wealth sits in a company, a portfolio and an estate, insurance and investments have to work together. I build those strategies as one plan.
For business owners
For building and passing on wealth
Financial planning isn't just about numbers. It's about people.
Joshua Duguay
iv.About me
Raised on hard work. Back home to help.
I was born and raised in Bathurst. I started working in my family's business at 13, surrounded by hardworking business owners, and that's where I learned what it takes to build something and look after the people who count on you.
I earned my Bachelor of Commerce in finance at the University of Ottawa, where I started my career through co-op placements with several banks. At 22, I moved into financial advising, and I've been helping clients ever since, with a few different firms and as an independent advisor. I'm now working toward my CFP® certification.
Today I'm back in the town I love. I work directly with clients across the Maritimes and Ontario, and I lead my own team of advisors in New Brunswick who work the same way I do: you stay at the centre of everything we do.
With so much volatility and uncertainty out there, the best part of this job is giving people a real sense of safety about their future.
v.Contact
Let's look at the full picture.
Book a time that works for you, or reach out directly.
Book a conversation