Richard Sales, CFP®, CLU, CHS, RRC, CEA

Executive Financial Consultant | High-Net-Worth Financial Planning

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With over 25 years of experience in business and financial services, Richard Sales is a seasoned expert in helping affluent individuals and families build, preserve, and transfer wealth. As a CERTIFIED FINANCIAL PLANNER professional and holder of multiple industry designations, Richard’s approach is centered on providing comprehensive wealth strategies that balance tax optimization, retirement planning, estate structuring, and cash flow management.

Richard specializes in creating personalized financial plans that address the unique challenges of high-net-worth families, from tax-efficient wealth accumulation to securing legacies for future generations. His expertise in complex financial situations ensures that clients can navigate life’s financial complexities with confidence.

Our Services Include:

• Tax Optimization: Advanced strategies to reduce tax liability and maximize wealth retention.
• Retirement Planning: Structured plans designed to ensure tax-efficient income during retirement, integrating estate planning to ensure a seamless transition of wealth.
• Estate & Legacy Planning: Tailored solutions to minimize estate taxes and create a legacy plan that aligns with your family’s values and goals.
• Cash Flow Management: Ensuring efficient use of assets and resources to support both current and future financial needs.

Industry Recognition & Achievements:

Community Engagement:

Outside of his professional life, Richard is a dedicated husband and father of two daughters. He and his family actively support various charitable causes in the Halton region, reinforcing their commitment to community impact and philanthropy.

Daniel Pelc, CFP®, CLU, CHS

Senior Financial Consultant | Retirement & Insurance Solutions

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With over 15 years of industry experience, Daniel Pelc specializes in helping individuals, families, and business owners navigate the complexities of retirement planning, risk management, and wealth preservation. Daniel’s expertise extends beyond retirement savings to include comprehensive insurance solutions that ensure clients are protected at every stage of their financial journey.

Daniel offers tailored strategies that address retirement security, wealth protection, and long-term financial health, helping clients plan for a secure future through tax-efficient retirement income and advanced insurance solutions.

Our Services Include:

• Retirement Income Planning: Tailored strategies to ensure that clients achieve a comfortable retirement with guaranteed income streams.
• Insurance Solutions: Protecting families, businesses, and financial futures through life, disability, and critical illness insurance.
• Tax-Efficient Withdrawals: Strategies to optimize retirement withdrawals and minimize tax liabilities, maximizing after-tax wealth.
• Wealth Preservation & Estate Planning: Structuring wealth to ensure it is preserved for future generations while reducing the impact of estate taxes.
• Business Continuity & Succession Planning: Ensuring the smooth continuation of a business and its assets through effective succession planning.

Community & Personal Life:

Outside of his professional accomplishments, Daniel is a dedicated husband and father of two children. He and his family actively support Ronald McDonald House & McMaster Children’s Hospital, causes that hold deep personal significance for them.

Zachary Sloan, CFP®

Associate Consultant | Business & Professional Wealth Planning

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Zachary Sloan specializes in providing business owners and professionals with tailored financial solutions to navigate the unique challenges they face in managing both personal and corporate wealth. With expertise in corporate tax optimization, business succession planning, executive compensation, and retirement strategies, Zach helps clients make informed, confident financial decisions.

Zach’s strategic approach enables business owners to maximize the value of their businesses, protect their wealth, and prepare for a financially secure future.

Our Services Include:

• Business Succession & Exit Planning: Ensuring a smooth transition of ownership and maximizing business value during a sale or succession.
• Corporate Tax Optimization: Developing strategies to minimize tax liabilities and improve business cash flow.
• Executive Compensation & Benefits: Structuring competitive packages to retain and incentivize top talent within organizations.
• Risk Management & Insurance Solutions: Protecting businesses, families, and wealth from unforeseen risks through tailored insurance strategies.
• Retirement & Wealth Transfer Strategies: Helping business owners achieve financial independence and ensure a seamless transfer of wealth to the next generation.

Personal Life:

In his personal life, Zachary is an active sports enthusiast. After competing as an NCAA university athlete, he now plays in the Intercounty Baseball League. His experience in teamwork and competition shapes his professional philosophy, ensuring that he works collaboratively with clients to achieve financial success.

Keith Leska, CSC

Associate Consultant | Financial Planning & Portfolio Management

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Keith Leska is a highly skilled Associate Consultant with a strong academic background, having earned his Bachelor of Business Administration from the University of Guelph-Humber. Keith specializes in helping high-net-worth individuals and families navigate the complexities of wealth management through comprehensive financial planning, retirement solutions, and dynamic portfolio management.

With a focus on personalized strategies, Keith works closely with clients to align their financial goals with sustainable and secure investment strategies. His expertise ensures that each client receives tailored advice and solutions that evolve with their financial needs.

Our Services Include:

• Holistic Financial Planning: Analyzing every aspect of your financial life to develop a personalized plan that meets your unique goals and risk tolerance.
• Retirement Planning: Creating secure, tax-efficient income strategies to ensure you can retire comfortably and maintain financial independence.
• Investment Strategy & Portfolio Management: Developing diversified portfolios using sophisticated asset allocation models that align with your goals while managing risk.
• Risk Management: Providing comprehensive insurance solutions to protect your wealth and family from unforeseen events.
• Ongoing Portfolio Reviews: Regular portfolio reviews and adjustments to ensure your investments remain aligned with your goals and market conditions.