A New Chapter Has Begun
As of May 1st, 2024, Sound Life Solutions & Desmarais Financial Services are thrilled to announce their partnership, marking an exciting milestone for both organizations.
We are proud to share that Rachel Desmarais and Kacie Linn, both still active brokers within the company, will continue overseeing their individual accounts, ensuring continuity and trusted service for their clients.
This union brings together two long-standing pillars of the Owen Sound Insurance & Financial Investments community, combining their expertise and resources to enhance client support. The strategic partnership blends innovation with experience, reinforcing our shared commitment to delivering excellence in financial services.
Together, Sound Life Solutions and Desmarais Financial Services remain dedicated to providing personalized care and tailored solutions that empower clients to confidently achieve their financial goals. Join us as we begin this new chapter, offering exceptional service and unwavering dedication to your success!
Serving Central Ontario
Owen Sound • Hanover • Waterloo • Simcoe
“One of the many things that makes Rachel so valuable to her clients is her natural gift for putting people at ease. Finances can be stressful, and Rachel’s ability to ease her clients’ stress and uncertainty, and turn it into a practical plan, is invaluable. She deeply cares about all her clients which truly sets her apart.
Everyone could benefit from the wisdom of a financial planner, and Rachel Desmarais has the expertise and professionalism to help you realize your goals.”
– Miguel Cardenas –
Optimization Specialist – Schooley Mitchell
Read Full Testimonial
RDSP
A Registered Disability Savings Plan (RDSP) is a special program that helps Canadians with disabilities and their families save for long-term financial needs such as future medical and living costs. Like an RESP, investment income is tax-deferred and you may be eligible for government assistance.
TFSA
The Tax-Free Savings Account is an account that provides tax benefits for saving in Canada. Investment income, including capital gains and dividends, earned in a TFSA is not taxed in most cases, even when withdrawn.
RRSP
A registered account that allows you to make tax-deferred contributions towards your retirement savings plan. Each dollar you contribute to the plan can lower your taxable income by the amount you invest.
Segregated Funds
Insurance contracts known as individual variable annuities that offer death benefits and maturity guarantees. Segregated fund contracts offer the growth potential of mutual funds, plus valuable wealth protection features only available through an insurance company.
RESP
The Government of Canada allows savings for education to grow tax deferred until the child named in the RESP enrolls in education after high school. The child named in an RESP is known as a beneficiary.
GIAs
Invest a sum of money for a specific term, or period of time. At the end of that term, you are guaranteed to receive your full principal investment plus interest.
Disability
Disability income protection insurance provides you with a monthly income in the case of disability. It is designed to help protect the income of a person who is currently employed.
Critical Illness
Critical illness insurance helps survivors manage the costs associated with recovery by providing a valuable lump-sum payment. This money, which can be used for any post-illness expense, helps critical illness survivors deal with the financial demands of recovery.
Long Term Care
Health insurance protection to maintain your quality of life, dignity and financial well-being. If you’re affected by loss of independence, we provide tax-free funds that allow you to choose the care you need, when and where you need it.
Health
Group Benefits
Too often we take our staff for granted. The right group benefits solution can provide the employer with a tax break on premiums and enhance employer/employee relations.
Travel
Getting sick or injured while away is stressful enough without having to worry about the cost of medical care. Click the link below to view options online, or you can call 1 877 884-8283 to speak to a live body today.
Flexcare, FollowMe Health and Canada Life
Financial Planning
Estate Planning
Succession Planning
Some of the companies we work with
Contact Us
Owen Sound
345 8th Street East
Suite 208
Owen Sound, ON
N4K 1L3
Phone: 519-416-1600
Fax: 519-416-1660
Email: rachel@dfsfinancial.ca
lori@dfsfinancial.ca