Sandy Kosak graduated from the University of Windsor with his Bachelor of Commerce Degree in 1992 and later returned to complete the MBA Program in 2000. Since 1992, He has held a variety of positions in the financial services industry including personal, small business and professional banking. This has given him the opportunity to understand the needs of people from a variety of different perspectives.
In 1996, Sandy obtained his Canadian Securities License and followed this up by obtaining his Level 2 life insurance license in 1998. In 2004, he obtained his Certified Financial Planners designation. Sandy has now been offering full service investment and financial planning services to WFCU Credit Union members for the past 20 years. He has been recognized internally by his own investment dealer as a top 30 consultant amongst credit unions in Canada.
Sandy has built his clientele by placing the highest priority on their needs and objectives first and foremost. He ensures that any solutions that are proposed are explained in a manner that clients will fully understand and be comfortable with. Over the past 20 years, Sandy has helped his clients navigate through some very volatile markets, keeping them focused on long term goals while still adapting to any unexpected short term changes.
Sandy is available to work with you to help answer your questions and create a comprehensive financial plan addressing your own retirement, estate planning, insurance and investment needs.
Since graduating from the Honours Bachelor of Commerce Program at the University of Windsor, Michael Middleton has been offering financial planning services. Michael has spent his entire working career in the financial planning industry finding solutions to help clients through their various lifestages.
Michael obtained his Canadian Securities license in 2001, completed his Certified Financial Planner designation and his Level 2 life insurance license in 2003. He is a multiple year qualifier for the Million Dollar Round Table membership. Michael continues to add to his industry education and achieved the Canadian Investment Manager designation in 2010.
With over 18 years of financial planning experience, Michael has helped his clients navigate through some of the most volatile markets in history. Michael focuses his efforts on working with his clients and their tax professionals to create a sustainable, tax efficient, retirement income. Through his proactive customer service approach he enables his clients to focus on what is important to them leading up to and in retirement.
Michael lives in Lakeshore with his wife and 2 sons. He is an avid sports fan and volunteers his time with Belle River Minor Hockey as a travel hockey coach.
Angela started her career in the financial services industry in 2000 taking on various positions within retail credit union branches. She obtained her life insurance license in 2012 and worked as a Wealth Coordinator before moving into an Investment Representative role. In 2020, she transitioned into the Wealth Consultant role at Avanti Wealth working with clients to provide advice on their unique situations by developing solutions to protect and enhance their well-being.
Angela has valuable experience working with clients as they pursue their financial and retirement goals. She helps with their life and disability insurance needs, plus their investments and estate settlement ensuring that her clients receive the level of service they have come to expect and deserve.
Shawn Ritter has worked in various areas of the Financial services industry since 1998. He started his career working for a Discount Investment Broker for 4 years as a licensed Registered Rep. Throughout his career he has held a variety of positions in the financial services industry including personal, small business and professional banking, investments and insurance. This has given him the opportunity to understand the needs of people from a variety of different perspectives.
Shawn was first life licensed in 2005. In 2020 he obtained his Qualified Associate Financial Planner designation, and in 2022 he achieved his Certified Financial Planner designation.
Over his career, Shawn has helped his clients navigate through some very volatile markets, keeping them focused on long term goals while still adapting to any unexpected short-term changes.
Shawn is available to work with you to help answer your questions and create a comprehensive financial plan addressing your own retirement, estate planning, insurance and investment needs.