STEPHEN COX, CFP
CERTIFIED FINANCIAL PLANNER
DESJARDINS FINANCIAL SECURITY INDEPENDENT NETWORK
DESJARDINS FINANCIAL SECURITY INVESTMENTS INC.
A financial professional since 1996, Stephen Cox has over two decades of experience guiding retirees and pre-retirees toward their financial goals through the ups and downs of the economy. The hallmark of his services is his personalized, comprehensive approach.
"I emphasize personalized service," Steve says, "because everyone has different financial goals
and is best served by strategies customized for his or her unique needs and core values. By offering comprehensive services, I can design strategies for all aspects of a client's financial life and weave the strategies into a coherent financial plan so all aspects work together efficiently." Steve also holds a license for life insurance and is registered for the sale of mutual funds in Ontario, Nova Scotia and Newfoundland.
In addition to the in-depth knowledge that comes from experience, Steve brings to clients extensive education, including a Bachelor of Commerce from Saint Mary’s University and the designation of Certified Financial Planner® (CFP®) professional. Earning that designation required advanced coursework that trained him to help clients with virtually all their financial needs, from financial and retirement planning to cash-flow and long-term care planning.
Due to his professionalism, Steve has earned membership in the Million Dollar Round Table, considered the standard of excellence in the financial services industry. An even greater tribute to him is his loyal, growing clientele.
Away from work, Steve serves the community through a number of charitable organizations. His leisure activities include spending time with his wife and son in the great outdoors.
Follow Steve on social media:
IMAGINE A DEBT-FREE FUTURE.
Debt can be a symptom of any number of problems and life circumstances: a struggling or failed business, reduction in working hours, a drop in sales commission, divorce or separation, injury or illness, or simply previous poor financial decision making and bad advice coming home to roost.
It's important to understand that you are not your debt. Like millions of Canadians, you have a debt issue. But with timely counselling, a solid debt restructuring plan, plus immediate credit rebuilding, you can move on from your debt, wiser, financially solid and fortified against ever going into debt again.
Like many forward-thinking companies, 4 Pillars was created to fill a gap in the market. As more and more Canadians fell into insolvency, 4 Pillars' founders believed there was a better way. At the time, the insolvency industry had become toxic to the debtor. It lacked transparency, it was complex, conflicts of interest went unchallenged, and debtors were expected to navigate their way through this environment alone. At one of the most stressful moments of a person’s life, no one represented the debtors’ interest and certainly no one was looking at helping a debtor recover from insolvency.
This is the space into which 4 Pillars founders stepped. The term “pillars” was chosen as they are a symbol of strength and stability, and there are 4 of them to represent our core values of:
Every day, 4 Pillars franchisees continue to help people who have given up hope of finding a champion. Their clients see them as their pillar of strength, supporting their return to financial health. 4 Pillars help individuals and families rebuild their lives so they can fulfill their dreams. As Canadians debt levels continue to rise, 4 Pillars are needed more than ever.
Canadian families choose 4 Pillars to help them restructure almost $1,000,000 of consumer debt every day.
They can help reduce your debt by up to 80% and get you back on track.
• 97% of families successfully complete the plans we create and become debt free.
• Their clients have been able to eliminate up to 80 per cent of their debt.
• 4 Pillar plans are 100% legal and have helped thousands of families and individuals.
• They support local financial literacy initiatives and offer education to families in debt.
• They have 50+ offices coast to coast, offering national strength and local support.
To contact Adel Martin at 4 Pillars, call 902-482-9748 or email firstname.lastname@example.org
Greywave Senior Care Consulting
Marie-Claire, Chartrand, MTS, Cert.E.M.
Are you worried about an aging parent? Are you worried about how you will manage at home as you age? Are you struggling to find the resources available to help keep someone at home or to move to a form of supportive housing?
Greywave knows how stressful and overwhelming this can be. They can help eliminate the stress of figuring out what to do and who to call. They can save you the time and frustration of trying to navigate the care options and services available.
Greywave has a depth of knowledge and expertise in arranging care and helping you figure out what to do and who to call. With their professional experience working with hundreds of clients and families they can thoroughly assess your needs in a short time and help you navigate a complex system and identify the services you require.
Their service begins with an in-depth assessment of your situation. They do this in the comfort of your own home. Following their assessment they will put in place a comprehensive plan that allows you to efficiently access the best services available in your community.
Greywave can also make the first, crucial connections between you and the service providers you require.
They can provide a follow-up visit to ensure that the services are meeting your needs.
Over time, they can continue to assess your ongoing and changing needs.
Greywave brings decades of experience of working with clients and families during times of crisis and bringing peace of mind.
Marie-Claire Chartrand, Greywave's lead senior care consultant, works to develop solutions customized to the
personal needs of clients and families. Marie-Claire’s advice and ongoing counsel is based on her 25-year career with Nova Scotia’s Continuing Care Program. She has developed extensive expertise in helping clients navigate the private and public health care systems.
Marie-Claire has worked across the health care spectrum, in hospitals and the community, with both palliative and geriatric clients.
Marie-Claire has a Social Development Studies degree from the University of Waterloo and a Masters degree in Theological Studies from the Atlantic School of Theology. She is a Certified Elder Mediator. Marie-Claire provides services in both English and French.
To contact Marie-Claire and Greywave:
May is Speech & Hearing Month. Many of us take our ability to communicate for granted, but the ability to speak, hear and be heard is much more vital to our everyday lives than most of us realize. For those who have difficulty communicating, everyday interactions can pose significant challenges.
Shoreline Speech Therapy, located in Dartmouth, NS, offers services to children and adults in English, French, and other languages at their office, and onsite in care facilities, and even your own home.
Shoreline’s clinicians strive to provide high quality, evidence-based care.
Persons with Parkinson's disease may experience changes in their speech clarity, voice, word finding, comprehension, and speech fluency (stuttering). Learn more.
Communication disorders affecting speech, voice, and language are common after a stroke. People can benefit from treatment at any age and many years after their stroke. Learn more.
Services are provided for those with functional voice disorders (e.g., muscle tension dysphonia), neurogenic voice disorders (e.g., post stroke), and those seeking a more gender-congruent voice. Learn more.
Treatment is provided for adults who have stuttered since childhood or who have acquired a stutter in adulthood. Learn more.
Persons with dementia commonly experience linguistic changes in their abilities to retrieve words, participate in conversation, read, write, and understand the speech of others. These changes can contribute substantially to decreased quality of life, impact relationships with friends and family, and contribute to responsive behaviours. Interventions are available for persons at all stages of dementia. Learn more.
Pamela has worked in the field of speech-language pathology since 2007. She has a Bachelor’s degree in Psychology from Trent University, an advanced certificate in Interprofessional Stroke Care from Ryerson University, and a Master’s degree in Speech-Language Pathology from Dalhousie University. She is Clinically Certified with Speech-Language and Audiology Canada.
To reach Pamela, visit www.shoreline-speech.com or call (902) 405-7858 or (902) 219-3065 or click to visit and Like Shoreline Speech Therapy's Facebook page.
Pamela Coulter, M.Sc., S-LP(C)
Speech-Language Pathologist and Owner
Nordic Walking Nova Scotia
Bill & Esther VanGorder
Member Since 2006
Nordic Pole Walking is a low-impact fitness activity that offers the highest benefits for weight loss, health, and wellness. Nordic Walking Poles enable you to incorporate over 90% of all your body muscles. It’s ‘turbo-powered’ walking, using poles to propel yourself burning up to 46% more calories than normal walking because you’re working your upper body as well as your legs – but the support from the poles means it actually feels easier.
Health Benefits of Nordic Pole Walking:
Ten Scientific & Clinical Studies
1. Burns up to 46% more calories than exercise walking without poles or moderate jogging. 25-30% on average.
2. Increases heart and cardiovascular training to 25%.
3. Incorporates 90% of all body muscles in one exercise and increases endurance of arm muscles (Triceps) and neck and shoulder muscles (Latissimus) to 38%.
4. High Blood Pressure: Reduces High Blood Pressure by 18mmHg within eight weeks.
5. Eliminates back, shoulder and neck pain
6. Less impact on hip- knee- and foot joints about 26%.
7. Develops upright body posture.
8. Increases production of “positive” hormones. Decreases “negative” hormones.
9. Supports stress management and mental disorders.
10. Diabetes Type 2: Improves diabetes metabolism, reduces insulin resistance and reduces medication drastically within three months.
11. Perception of exertion is 50%.
* For benefit references, please the Benefits page of the Nordic Walking website.
Learn more about the benefits of using Nordixx Nordic Walking poles. Watch this video.