Ed Rempel
Financial Planner

Ed Rempel is a strategic Financial Planner who built his practice by providing his clients with solid, comprehensive financial plans. Ed is in high demand; he has written numerous articles, trained many financial advisors and is considered the “Smith Manoeuvre” expert in the Toronto area. He has received accolades from Frasier Smith in his book “The Smith Manoeuvre” for customizing this strategy for hundreds of clients.

Ed’s financial career began as an accountant after earning his Certified Management Accounting (C.M.A.) degree in 1984. He worked in this capacity for 20 years including 12 years as Controller for Simmons Canada. His extensive experience in tax and finance gave him the impetus to launch his practice as a financial planner to help others benefit from his knowledge.

In 1994, Ed began his financial planning career with W.H. Stuart and Associates. He completed his Certified Financial Planning (CFP) degree in 1997. Within a year Ed was promoted to Vice-President of Major Accounts. In addition to working directly with clients, he was responsible for developing training courses about mutual funds and financial planning. He personally trained 216 financial advisors at Ontario's 5 largest credit unions. The extensive research involved in creating those courses fostered unique philosophies that are proving to be extremely beneficial to his clients today.

Ed is a strategy enthusiast; constantly reading and learning all he can about financial planning and investing. In his travels, he has met many advisors and brokers that still believe in what he calls "conventional wisdom". Ed believes this conventional wisdom is a formula for poor performance and has created strategies like “Rempel Maximum” and “Debt Miracle” to give his clients the best results possible. He has assembled a hand-picked team to collaborate and strategize on each client case. They are equipped with the best training, software and processes to consistently deliver stellar results for his clients’ financial plan. Ed and Ann provide their services through Armstrong and Quaile Associates, a friendly, mid-sized dealership employing the latest technology and software to help clients.

Having become an authority on the Smith Manoeuvre and financial planning Ed’s articles and comments can be found on numerous web pages and blogs just by searching “Ed Rempel”.

Rob Hof
Financial Planner

Very early in his life, Rob began to show his true entrepreneurial spirit. From humble beginnings selling Dungeons and Dragons books in grade school, to building a leading Internet Services company and planning international data networks, his varied career has been characterized by planning and executing on niche business opportunities.

In 2007, Rob returned from a three year contract in Bermuda, and was quickly reminded of the high tax burden faced by Canadians. Vowing to do everything within the law to minimize his taxes, Rob began scouring the Internet for ways to improve his personal situation. While searching, he found Ed Rempel’s articles and blogs, and saw an immediate synergy.

Rob’s involvement with Ed Rempel and Associates began as a client, but both he and the company quickly determined that his passion for creating plans could be refocused, helping Team Rempel’s client base with their varied financial goals.

Rob graduated from the University of Windsor with a Bachelor of Arts degree in Media Communications and is currently studying for his CFP designation.

Ann Hetram
Life Coach

Ann Hetram graduated from Queen's University with a degree in Math and Computer Science. She held various management positions in the manufacturing industry for 15 years while helping Ed build his financial planning practice on weekends and evenings.

In 1998 Ed's business became too large to be managed by only one person. Ann joined the business. The practice continues to grow and today clients are served by a team of specialists under Ann’s supervision. Her main function is to provide life coaching to clients who want to enhance their lives.

Ann’s passion is observing and understanding people to help them achieve their personal goals. Ann’s experience as an instructor for Dale Carnegie in "Effective Speaking and Human Relations" has enabled her to help hundreds of individuals and professionals by coaching them to their next level of personal development. To deepen her knowledge of this subject she completed a Co-Active Coaching program, a technique that allows her to get in step with individuals quickly and effectively.

Coaching combined with financial planning has proven to be an excellent combination for Ed and Ann's clients. Clients are able to discover what they really want in life and build confidence to stick with their goals.

Harvinder Arneja, C.S.C, P.F.P

Harvinder has been with Team Rempel since 2006. She brings to the team an extensive knowledge of banking acquired from her 12 years experience at Bank of Montreal. Harvinder is passionate about learning. In addition to courses in banking, customer service, investments and lending at BMO, she continues to expand her career horizons at Ed Rempel & Associates by pursuing her CFP. Top on Harvinder’s list of job responsibilities is staying in touch with our clients. “If I could, I would spend all day with clients, on the phone or in person, helping them resolve their financial issues.

Quyen Vu, B.AS

Quyen is a recent addition to our team; a graduate of York University with an Honours degree in Finance. Quyen began her work life focused on providing outstanding customer service. At Ed Rempel & Associates, she can combine her degree, her work experience and her expertise with numbers into a satisfying career.

Quyen spends much of her time at Ed Rempel & Associates in client meetings with Ed and Ann. This has given her the unique opportunity of observing the financial planning process we have developed at Ed Rempel & Associates. She particularly enjoys explaining portions of the plan to clients and “see that they get it”. Working behind the scenes on portfolio reviews for our clients and spending time with clients allows Quyen to achieve one of her life aspirations – “to make a difference for people”.

Trish Mohid

Trish is the longest standing member of Team Rempel. Working mainly in the admin group, Trish is also the friendly voice that most regularly answers the phone and the door of Ed Rempel & Associates.

“I love my job. Call display is my friend. To greet a client by name and know that it is appreciated makes me feel great!”

Ken Singh

Ken Singh began his career as an electronics technician fourteen years ago. He specialized in PC repairs and maintenance with responsibility for assembling, configuring and troubleshooting computer systems, in addition to monitoring network infrastructure and peripherals. He was a valued resource in assisting users to resolve problems with equipment and was responsible to research and select new hardware and software.

In 2008, Ken joined Ed Rempel and Associates, where he holds IT responsibilities including database management and an added exciting role of processing client transactions. This new experience has elevated his knowledge in the use of financial software and has widened his horizon in the area of financial planning.

Jaya Rajan

Having worked in the travel industry for more than 10 years, Jaya jumped at the chance to be a part of a financial services team. Her enthusiasm for financial knowledge began when she moved to Canada with her family and had to prepare and file their income tax returns. Searching for a trustworthy advisor lead Jaya and her family to Ed Rempel & Associates and they signed on as clients in 2005.

With encouragement from Ed and Ann, Jaya decided her true calling was in the financial services industry and joined the team in 2008. Jaya works in the Administration department. She loves all that the job entails – preparing client paper work, processing transactions and of course meeting clients.