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  • GEM Financial Group | Financial Products, Planning Services, Employee Benefits, Pension Plans
    success learn more Group Benefits Pensions GEM Financial Group will maximize the productivity and profitability of your business by using the Managed Approach to Benefits and Pensions Take advantage of our expertise and experience in creating the right group program for you and your employees learn more We are proud to support and be affiliated with these organizations Automotive Parts Manufacturers Association Brant Community Healthcare System Community Services Benefits Trust Group Health Global Holdings Ontario Federation of Agriculture Ontario Trucking Association Woodstock Hospital Foundation When we implemented Managed Rx this past Spring we immediately saw a substantial reduction in the costs associated with filling prescriptions Your team clearly explained the process and six months in we have yet to have a single complaint Chris Beesley Chief Executive Officer at Community Living Ontario The personalized multi faceted program has taught us the values of money debt elimination and savings while providing peace of mind through contingency planning charitable donations and the values found beyond the money Christopher Tracy Individual Wealth Security Client GEM Financial Group shows incredible leadership and sales expertise They are always focused and willing to learn motivating the people and making them want to excel Gisele Doucet Leader Managing Partner at The Art of Accounting Professional and yet so personable GEM Financial Group are experts in their field and have taught us a great deal I always feel that they have our best interests in mind and are looking for new and creative ways to provide us with the best service Michelle DeBie Director of Human Resources at Christian Reformed Church GEM Financial group have provided us with outstanding service for many years Their approach is very innovative creative and strategic and they always have the best interests of our employees in mind while ensuring our benefit plan

    Original URL path: http://www.gemfinancialgroup.ca/ (2016-04-26)
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  • Individual Wealth and Security Solutions | GEM Financial Group
    strategies to help our clients move beyond financial concerns and start living For decades the financial industry has been product driven Selling products and calling them solutions might have been acceptable decades ago Today your family deserves better than shifty salespeople and trendy products A personalized comprehensive strategy that integrates results with professional advice and your best interests in mind is the answer The following questions and more are explored during the development of your personalized wealth strategy Do you have the right amount of insurance to protect your family in case of injury or worse Are you on track for the retirement you want Is there a better way to make use of your debt Are your will and power of attorney documents up to date Do you have a guardianship arrangement and a financial trustee established for your children Is there a better way to fund education expenses Is your business protected from financial trauma How do we make financial considerations less of a consideration in decision making The Answer The Personalized Wealth Assist Strategy The first step in any successful journey is to assess your current status After carefully evaluating all of the components required for your financial success we then partner with you to create a simple yet meaningful path to your desired financial outcome We keep you focused on results but not at the expense of the process The implementation of your financial solution is detailed and comprehensive and yet simple and manageable to help you enjoy life today while preparing for tomorrow Your success is our success and that doesn t happen by accident Getting started is important but it isn t enough A regularly reviewed strategy with measureable goals and timely and relevant adjustments leads to your continued financial success over time The

    Original URL path: http://www.gemfinancialgroup.ca/individual-services/ (2016-04-26)
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  • Group Benefits and Pensions | GEM Financial Group
    death and serious illness Critical illness Short and long term disability Extended healthcare Drug benefits and catastrophic drug coverage Vision care and eyeglasses Out of country emergency Expat and foreign workers coverage Dental coverage Healthcare spending accounts Employees are less likely to leave an employer with a good benefit plan in place and more likely to retire from employment at the right time with a group retirement plan in place We take a managed approach to group benefits plans At GEM Financial Group we use a managed approach to group benefit plans Whereas the traditional role of a group benefits carrier is claims adjudication we take an active approach to minimize the risk associated with rising costs runaway claims tax inefficiency and hidden liabilities For example Through proper disability management the duration of a disability claim can be 30 shorter Source Disability Management Institute DMI 2009 A well designed employee wellness plan can reduce drug costs and other health care costs by over 12 Source GroupHealth Global business block saw 0 increases in pooled benefits over a 3 year period whereas average group insurance block saw increases of 12 per year average GHG statistics 2010 A good fraud prevention strategy can reduce claims by 8 Source Canadian Life and Health Insurance Association CLHIA 2009 These are just a few examples of how a managed approach to group benefit plans can help keep costs in check while enhancing the welfare and morale of your employees The GEM Group Benefit Process The Agenda for the Solution Macro Delivery Session Exploring wish lists frustrations and disconnects The Benchmark Builder Developing Session Audits of current plan design and costs comparisons to peers and marketplace creating enhancements and controlling price The Solutions Gameplan Customized Implementation Tailor made strategies to attract and maintain top level employees

    Original URL path: http://www.gemfinancialgroup.ca/group-benefits/ (2016-04-26)
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  • About GEM Financial Group
    together to craft a financial safety net for you and your family I spend most of my time creating comprehensive contingency plans but I find the confidence and security they provide is well worth it Most of all I enjoy working with committed clients who understand the value of planning ahead and fostering lifelong professional relationships When I m not working in the office you ll likely find me working outside at home partaking in a sporting activity or simply enjoying the company of my wife and our three young children Rob Van De Cappelle Service Marketing Advisor Having joined GEM Financial Group in 2013 I m ecstatic to be here Though new to the financial industry I bring over 20 years of client service experience and a client first approach I enjoy helping people reach their goals and assisting them throughout the journey I have an unending appetite for knowledge and look forward to learning about the various ways in which we assist people throughout their lives I will be supporting new clients to the firm as well as helping existing clients when I can I am excited to have the opportunity to work with all clients that come in contact with our office Life isn t all about work and when I am not at the office I enjoy spending time with my wife Pat and our two boys The boys and I love to stay active by participating in many sports either playing or coaching including hockey fastball motocross and basketball Kathy Newton Administrative Assistant One of the most experienced employees at Gem Financial Group I have worked in the insurance and financial industry in different capacities for more than 20 years I have worked alongside most insurance companies in Canada over my career and am able to provide valuable insight into the processes and systems used by these companies With this knowledge I can answer many of our client s questions or direct them to the correct place to find what they are searching for in a timely manner I continually maintain an understanding of current issues and products in this fast paced and ever changing industry I look forward to working with you and providing the high standard of service that you have come to expect from GEM Financial Group Outside the office my passions are spending time with our children and their families including our three awesome grandchildren and travelling with my husband Tiffany Morrow Knopf Administrative Assistant One of the newest members of the GEM Financial Group team I am one of the first people you will likely have contact with when either you call in or visit us in person With a strong background in the retail sales industry I take pride in providing excellent customer service Regardless of the situation you may find yourself in or the questions you might have I will work hard to provide you with timely responses to your inquiry I look forward to working with you

    Original URL path: http://www.gemfinancialgroup.ca/about-gem-financial-group/ (2016-04-26)
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  • Contact GEM Financial Group
    Ontario GEM Financial Group 42 Riddell Street Woodstock ON N4S 6M1 1 800 435 9077 fax 519 537 8778 View Larger Map GEM Financial Group is located at 42 Riddell Street in Woodstock Ontario N4S 6M1 QUICK LINKS Home Individual Services Group Benefits About GEM Contact Us 1 800 435 9077 2014 GEM Financial Group All rights reserved Click here to view legal privacy copyright and trademark information The information

    Original URL path: http://www.gemfinancialgroup.ca/contact-us/ (2016-04-26)
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  • GEM Financial Group | Legal Information
    on this site may change at any time with or without notice to you Privacy and Confidentiality You acknowledge that the Owner collects and uses personal information for purposes of providing the services described on this site The Owner is committed to respecting the privacy and confidentiality of information in accordance with applicable law The Owner has established and will continue to maintain appropriate safeguards to protect the security and confidentiality of personal information However you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site including information you transmit to the site may be subject to access or manipulation by or disclosure to third parties Without limiting any other disclaimer herein neither the Owner nor any third partyshall be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy confidentiality or security If you are provided with a user name and password to access any part of this site you agree to be liable for all uses of your user name and password including unauthorized use without your consent and you acknowledge that the Owner shall not be responsible to confirm the actual identity or authority of any user Instructions provided pursuant to such user name and password shall constitute sufficient authority to the Owner to execute any transactions directed thereunder You agree to notify the Owner immediately should the confidentiality of your user name and password be in jeopardy E mail security The security of e mail communication cannot be guaranteed at this time Any person wishing to communicate or send information of a private or confidential nature to the Owner is encouraged to do so by other means Copyright This site has been developed by and is the property of the Owner All information and materials contained on this site are protected by copyright trademark and or other intellectual property laws of Canada and other countries and are the property of their respective owner s Subject to the limited licence to use this site as described above no person may copy redistribute reproduce or republish in any form or link to this site or its contents in any manner whatsoever including by way of hyperlinks or framing unless that person has obtained the prior written consent of the Owner Any infringement of the rights of the Owner may result in appropriate legal action Trademarks The Owner owns or has obtained the right to use by licence or otherwise the trademarks logos and domain names used on or in connection with the goods and services that it provides and displays on this site The trademarks are protected by Canadian and foreign trademark laws All rights reserved The display

    Original URL path: http://www.gemfinancialgroup.ca/legal-information/ (2016-04-26)
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  • GEM Financial Group | FundEX Disclaimer
    the purchase of securities involves greater risk than a purchase using cash resources only If you borrow money to purchase securities your responsibility to repay the loan and pay interest as required by its terms remains the same if the value of the securities purchased declines Investors should educate themselves regarding securities taxation or exchange control legislation which may affect them personally This web site is for general information only and is not intended to provide specific personalized advice including without limitation investment financial legal accounting or tax advice Please consult an appropriate professional regarding your particular circumstances This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation Rasa Lannoo is an investment funds advisor and may be licensed for the sale of life insurance Rasa Lannoo is registered through separate organizations for each purpose and as such you may be dealing with more than one entity depending on the products purchased Rasa Lannoo will provide the name of the entity being represented when insurance business is conducted The sale of insurance products is not the business of or under the supervision of FundEX Investments Inc and FundEX will not be liable or responsible for such activities All non mutual fund related business conducted by Rasa Lannoo is not in the capacity of an employee or agent of FundEX Investments Inc Non mutual fund related business includes without limitation advising in or selling any type of insurance product advising in or selling any type of mortgage service estate and tax planning or tax return preparation Accordingly FundEX is not liable and or responsible for any non mutual fund related business conducted by Rasa

    Original URL path: http://www.gemfinancialgroup.ca/fundex-disclaimer/ (2016-04-26)
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  • GEM Financial Group | FundEX Investor Privacy Notice
    not limited to the buying and selling of mutual funds on your behalf in addition to providing you with reporting and the administration of your account in a compliant and regulatory manner At times GEM Financial Group may be required to provide this information to mutual fund companies in which you invest self regulatory organizations securities regulators law enforcement agencies and to companies that perform services on our behalf use this statement only if you participate in referral agreements These organizations like GEM Financial Group are bound and must comply with the same federal provincial privacy act s GEM Financial Group does not disclose your information to any other organization s to use for their own purposes and in particular will never sell or trade your personal information The purposes for which we collect use and disclose your personal information are central to our being able to provide you with our services Should you have objections to the collection and disclosure of your personal information as listed in the foregoing GEM Financial Group will no longer be in a position to provide you with these services Therefore by maintaining your account with GEM Financial Group we will consider that you have consented to our collecting using and disclosing your personal information In representing GEM Financial Group your investment funds advisor is acting on behalf of the mutual fund dealer FundEX Investments Inc Your investment funds advisor may also be licensed to sell other products and therefore may wish to provide you with advice and services in that other capacity Should they do so your investment funds advisor will communicate with you directly regarding any additional use or disclosure of your personal information If you wish to review or make changes to your personal information you may do so by making

    Original URL path: http://www.gemfinancialgroup.ca/fundex-investor-privacy-notice/ (2016-04-26)
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