With Desmarais Financial Services, owner Rachel Desmarais delivers personalized and proactive financial planning that goes beyond numbers and takes into consideration not only your current life situation but challenges and possible crises in moving through later life cycles including insurance, investment, estate and health needs.  

And, when appropriate, re-evaluate and suggest changes.  

Rachel arrived at this approach over 25 years of helping people navigate their options in order to maximize the benefits of a sustainable financial plan.  

In 1997 Rachel started in the Insurance and Financial Services with Met Life and eventually joined Don Johnston Financial Services as a broker in March of 1999.  In 2007 she went out on her own and formed Desmarais Financial Services Inc.

Rachel’s field of expertise is all aspects of financial planning and estate, elder and succession planning.

Since the start of this new career, Rachel has successfully gained designations as:  

CFP – Certified Financial Planner – 2001

EPC – Elder Planning Counselor 2004 – Charter Member

CHS – Certified Health Specialist – 2011

CLU – Chartered Life Underwriter – 2015

CCS – Certified Cash Flow Specialist –2018

CEA – Certified Executor Advisor – 2020.

Starting with no clients in 1997 to over 500 clients+ at present, from sole proprietor to brokerage, sales have grown year over year.  Most new business is acquired through referrals from satisfied clients.  

Rachel has the natural ability to put people at ease.  

She greets her clients as friends with warm handshake or hug.  Rachel is non-judgmental and approaches each client with utmost of professionalism and dedication.  As well as being a good listener, Rachel is also a good communicator, and her many clients have indicated that when they had met her for the very first time, they knew that they wanted to do business with her.  

Her constant support for her clients continues on long after the ‘deal is done’ and she is there to help them through their personal crises as well.  

Rachel is a disciplined and balanced business woman, who always has a positive attitude and who says ‘That’s OK’ when the pressure is on when many others would choose much more “colorful” words.

As the General Manager, Raymond Desmarais is responsible for the daily operations of Desmarais Financial.

Ray’s primary focus is ensuring that the company’s sales, finance, marketing, products, and business development areas are on track, and that clients are always the first priority.

Over the years, Ray has been involved in teaching, sales, insurance, financial security planning, physical fitness education and management, but Ray’s foremost passion is leading the strong, supportive team at Desmarais Financial.

For 35 years, Don has been employed in the financial services industry. Don’s love of working with people has given him the edge to be a successful chartered financial consultant. He enjoys working with individuals who want to understand money better and how to grow their wealth. Don officially came on
board with Desmarais Financial Services in June 2010.

Married to his beautiful wife Michelle for 24 years, the couple has four wonderful children together.

Don spends his spare time with family, playing hockey and vacationing.

Linda has been with Desmarais Financial Services Inc. since July 2011. She has been in the financial services business for over 20 years. She became an Independent Broker in October 2010 after 19 years as a career advisor.

Attention to detail, good listening skills and a great empathy are qualities that her clients have come to appreciate. She is effectively supported by a team of administration, insurance, investment and group specialists whose teamwork and professionalism help her build long-term relationships with her growing client base.

Linda has won several awards over the years for her hard work and dedication to a career she loves. She also became a Certified Senior Advisor because helping seniors has always been very important to her.

Linda is happily married to Phil who has always supported her 100%. She has three wonderful children who are married to great spouses. She has also been blessed with six of the best grandchildren anyone could have. Spending time with her family brings her much enjoyment. Linda also loves boating and fishing on our beautiful Georgian Bay. Recently her new summer pastime is riding on the back of the Harley with Phil.

Audrey has been in financial services for over ten years. She joined Desmarais Financial Inc. in March 2011 and continues to manage her business out of her Hanover office. She is licensed to give advice and present options regarding insurance protection, risk management, tax reduction strategies, education planning for your children, charitable giving, retirement planning and investment portfolio management by being independently represented by a variety of companies.

Audrey’s mission is to help families achieve their financial life goals and realize their dreams for themselves, their families and their business or professions. She seeks to show you how you can take control and stay in control of your financial life by charting a course or a road map to align with your goals, priorities and values.

Audrey’s aim is to be with you on your journey every step of the way, and to be a partner in your life financial planning.

Tony has been in financial services for over twenty years. His primary motivation for getting into this business was to help people reach their goals. “I saw that no businesses were really doing that.”

Tony loves good food. “Cuisine takes time to prepare; it doesn’t just happen.” Good financial security planning doesn’t just happen either; it takes patience, commitment, and communication. Goals, objectives, and wants change over the years. When those priorities change you need an advisor who is in touch with you, who will act quickly to address the changing landscape of your life.”

Tony is fortunate to have been married to Karen for twenty-nine years. He has three children of whom he is most proud.

His ultimate goal is to take less out of your pocket, and to give you more in return. He strives to be accountable to you, to report to you, and ultimately to do what he said he would do.