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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 2020, Chuck celebrated his 34th 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 the father of two adult daughters and he and his wife, Sophie are long-time residents of Burlington.

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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. Fluent in German and English, he's happy to serve clients in both languages.

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 two terms as Vice President of the Golden Horseshoe Chapter of the Business Networking International group (BNI) from April 2019 - April 2020 and April 2017 - April 2018.

Hans lives in Welland with his wife, Carlin and their three young sons. In his spare time, Hans can be found at the gym training for triathlons or surfing the Great Lakes year-round.

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