Melissa Different

PFP

Mutual fund representative 1 Insurance representative

Different Financial

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RRIF, LIF and Annuities

Several income options are available to you at retirement age.

About me

Are you looking for a fresh approach to financial planning? Do you have a hard time navigating your finances and need someone to help get your family where you want to be? Do you think a financial planner is only needed if you have substantial money to invest? I have been passionate about helping my clients achieve their financial dreams for over 16 years. I have a background in banking, lending, insurance, investment and overall financial planning, which I utilize to help my clients make the most out of every opportunity to save their hard-earned money and achieve their goals sooner. Whether it is providing portfolio management, tax and estate planning solutions or helping you get the best rates on mortgages, which can have a substantial impact over the long run, I can help you navigate through all your financial needs. Please give me a call today to see how I can help you and your family reach your goals! Different financial situation, different approach, trusted advice

A complete service offer to answer your needs

Savings and retirement

Mutual funds are based on a simple principle : pooling your money with that of many other investors in order to offer you access to global markets and a large selection of investments, as well as the flexibility to invest whatever you want, whenever you want.

Insurance

Because your needs change over time, I am committed to being there with you to propose the best coverage options based on your needs and your priorities.

  • Guaranteed Issue Life Insurance
  • Health and Dental Insurance
  • Travel Insurance
  • Segregated Funds
  • Living Benefits (critical illness, disability, long-term care)
  • Life Insurance (universal, whole, term)

Why work with a representative?

A representative helps you make the best choices based on your reality and your needs. A representative also helps you find your way in the sometimes complicated world of investments and insurance. By using the services of a representative, you will:

  • Earn more money and learn where and when to invest
  • Receive a personalized financial plan that will help you achieve your objectives
  • Avoid flavours of the month and investment mistakes related to influences from the media and the people around you
  • Be able to weigh the pros and cons in terms of investments based on your investor profile and risk tolerance
  • Save time and enough money to carry out your projects
Learn more about the value of a representative
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Economic news with Sébastien Mc Mahon and his team

Clément has been Senior Vice-President, Investments and Chief Economist at iA Financial Group. In addition to being the Group’s spokesperson on economic matters, he is also the chair of the asset allocation committee and responsible for managing the company's diversified funds. He serves as the company’s spokesperson on economic matters.

1 With Investia Financial Services Inc.