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About

Our Value Statement

Helping successful families plan & protect their lifestyle & legacy.

Our goal is to help you protect your family and plan for your future. We accomplish this goal by bringing the following values to every relationship in our practice:

Integrity and loyalty
Expertise and independence
Professionalism and skill
Exceptional service
Knowledge and communication
Discipline and stability

As independent advisors, we have access to all major Canadian insurers (as well as Desjardins Insurance) and more than 80 mutual fund companies. If your financial situation is more complex than most, we have access to a network of professionals including notaries, lawyers, and tax experts, who can help you with every aspect of wealth management. We are fully equipped to see the big picture and act on it. We provide objective advice to help you create a plan for a future that reflects your goals and your priorities. We are always pursuing professional skills training so we can put the latest industry knowledge to work for you and provide quality advice that takes market trends and your needs into account. In these times of change, you can count on us to be there. Our job is to help you make informed decisions so you can look to the future with confidence.

Life is a series of challenges and opportunities. You deserve to treasure every second, without worrying about the financial future you want for yourself and those close to you. We can craft a comprehensive plan with investment and insurance solutions to meet your overall financial needs that align with your values and priorities and bring your goals into focus. We will partner with you to put your assets to work and help you push the limits of your potential.

About Desjardins Financial Security Independent Network

Desjardins Financial Security Independent Network is a network of financial product and service distributers that focus on wealth and risk management. As a member of this network we personalize our service offer to your changing needs. No matter the goals you set or the unexpected situations you face, as independent advisors affiliated with DFSIN we can help you develop a financial and insurance strategy that suits your needs. DFSIN is a partner of Desjardins Group, the leading cooperative financial group in Canada and the fifth largest in the world, with assets of $275 billion as of December 31, 2017. Desjardins Group is also the 5th largest life and health insurance provider in Canada and has over 7 million members and clients across the country. You can count on the stability of Desjardins, the support of a multi-disciplinary team of financial professionals and their freedom to choose from the best offers available in the market.

Charlie Koester, CHS

Life and Health Insurance Advisor
Branch Manager - Mutual Funds*

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Taylor Koester, BBA, CLU®

Financial Advisor

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I got everything I was expecting and the quality of service was exceptional.
- Dan Mark C. O.D.

Your program was designed specifically for the optometry profession. I appreciated that you dealt with me as an optometrist, and not as a generic profession.
- Ian C. O.D.

I didn’t feel like I was being sold something I don’t need. They made me feel comfortable enough to ask questions without worrying it may be a silly or dumb one! They are very approachable and personable.
- Sarah S. O.D.

I did not expect all the financial planning advice they gave me. I didn’t know about a lot of the products available for investments and how to use them in my financial planning for future events, like buying a house and planning for having a family.
- Andrea L. O.D.

They are very professional during the whole process and answered all of my questions respectfully. They were very prompt at responding to my emails and scheduling appointment times. I never felt like they were trying to sell me more than I wanted/needed.
- Kyle K. O.D.

As a young professional in the 90’s with a new family I didn’t have a background or great knowledge of investing or wealth building. I knew I had to start planning for the future. That’s when I met Charlie through a mutual friend who got my family on the path of financial stability aligned with our retirement goals. Along the way Charlie’s son Taylor got involved in the business and thus began the transition to an enduring support system. They afforded me a clearer picture of my financial plan while considering our family’s risk acceptance. As I now enter retirement, I feel more secure in our ability to live pragmatically. These two individuals not only provide professional advice; they are personal, honest, and quick to respond when needed.
- Garry and Kerry S.

Charlie and now Taylor have supported us with our financial planning and investments for over 20 years. They have given us well-researched advice that fits our financial goals to a T! They have never steered us wrong and have always shared both good and bad news to aid our decision making and we would recommend them to anyone. Thanks for all you do!
- Deborah M. & Peter R.

My wife and I met Charlie Koester 20 years ago when he took over my account at Desjardin Financial Security. Back then we didn’t know too much about investing or how to plan for our future. Charlie came up with a plan that suited our financial needs and has worked with us ever since. The plan changed over the years as our life did, but Charlie was always available to make adjustments to our investments and offer suggestions and solutions to meet our changing needs. Fast forward 20 years and now we are planning for our upcoming retirement in the next few years. Charlie is still there for us, although now we don’t consider him just our Financial Planner, he is our friend. We’ve also been working with Charlie’s son Taylor, for the last 10 years or so. It is comforting to know that our retirement plan is secure and in good hands as our life continues to change in the years to come.
- Jolanda and Steve N.

We started investing at our financial institution as many people have. We were discussing our investments with a friend as we were not completely satisfied with the service or results we had been receiving. Our friend suggested that we meet with his financial advisor, Charlie Koester. We took our friends advice and met with Charlie and 22 years later we are now discussing retirement plans with Charlie and Taylor. Taylor has been part of our discussions, planning and execution of our investments for the past 10 years. We found and still find Charlie and Taylor to be very knowledgeable, current in relation to the market trends and projections and as a result have provided us excellent advice. Charlie and Taylor have made us feel at ease in times of market turmoil and adjusted our portfolios to maximize our return. Over the years as our needs and wants have changed, Charlie and Taylor have been able to adjust their approach and provide us professional and detailed advice. We trusted Charlie and now Taylor with our financial future and security and cannot be more pleased with the advice they have provided.
- Kim and Doug M.

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