Jo-Ann Spicer CFP FMA EPC Credential Financial Strategies Inc. 6-51 Ardelt Avenue Kitchener, Ontario N2C 2S9 Tel: (519) 742-9998 Fax: (519) 742-9881 Email: jspicer@credential.com

Jo–Ann is able to offer insurance solutions to meet your needs as part of a complete lineup of financial services.

Jo–Ann has over 20 years experience in the financial services industry, with an extensive background in retirement and investment planning. Jo–Ann has obtained her Financial Management Advisor (FMA) designation, Elder Planning Counselor designation (EPC), her Certified Financial Planner (CFP) designation and she holds a Life License.

Credential Financial Strategies Inc. is a member company under Credential Financial Inc., offering financial planning, life insurance and investments to members of credit unions and their communities. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.