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Money for Life - Talk to me today about Sun Life Financial's customized approach to your financial and retirement planning.

About CFS Financial Solutions

Chuck Caruana*, CFP®, CLU®, CH.F.C., CHS, RRC
Advisor, Registered Retirement Consultant

Chuck Caruana*, CFP<sup>®</sup>, CLU<sup>®</sup>, CH.F.C., CHS<sup>™</sup>, RRCIn March 2017, Chuck celebrated his 31st anniversary of continuous service with Sun Life Financial. Over the years, he's gained extensive experience, providing sound guidance and solutions for retirement planning. Chuck's loyal client base has grown on trust, exceptional service and the value of strong relationships.

In 2016, Chuck earned the prestigious Registered Retirement Consultant® (RRC®) title. With this designation, he analyzes how clients plan for retirement, how they use their financial assets during retirement and how they make financial decisions related to retirement. He's skilled in estate planning and the many considerations and strategies involved in developing an estate plan. Chuck is also a member of the Conference for Advanced Life
Underwriting (CALU).

Through a consultative approach, Chuck creates comprehensive and customized wealth management strategies, designed to help build and preserve clients' wealth. His commitment, passion and genuine character help him explain the intricacies of financial planning with enthusiasm and patience. His down-to-earth approach and sense of humour put clients at ease.

As an avid hockey fan, Chuck plays year-round with the Burlington Old Timers Hockey Club (BOHC). He also enjoys golf. Chuck is a long-time resident of Burlington along with his wife, Sophie, and their two daughters, who currently attend university.

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Hans Friedrich*
Associate Advisor

Hans Friedrich, Associate AdvisorFrom a very young age, Hans Friedrich had a passion for understanding and analyzing world markets. This passion drove him to achieve the accreditation of Business Economist in 2010 from the Chamber of Commerce in Munich, Germany.

Hans came to Canada in 2012 and began his career as a financial advisor. He uses his love of studying macroeconomic events to help clients build successful portfolios. Hans works with clients to develop tax-efficient solutions to help them build their wealth and achieve their financial goals. His genuine, approachable and friendly manner, combined with his efficiency, helps clients feel confident about their financial future.

Hans served as Vice President of the Golden Horseshoe Chapter of the Business Networking International group (BNI) from April 2017 - April 2018. Fluent in German and English, he's happy to serve clients in both languages.

Married with three young sons, Hans loves athletics and is currently training for marathons and triathlons.

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Kam Chari*, CFP®, MBA, CGA, CHS™
Licensed Advisor Assistant

Kam Chari*, CFP®, MBA, CGA, CHS™, Licensed Advisor AssistantFor over 40 years Kam has helped clients prepare comprehensive financial plans, specializing in retirement, estate, business succession and advanced tax planning strategies.

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* Mutual Funds distributed by Sun Life Financial Investment Services (Canada) Inc.