Jo-Ann Spicer CFP FMA EPC Credential Asset Management 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 investment and insurance solutions to meet the needs of members as part of a complete lineup of financial services. Jo-Ann has over 20 years experience in the financial services industry, with 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.

Jo-Ann can help you save for a secure financial future by offering a myriad of top quality mutual funds with trusted names like Fidelity, AIM/Trimark, and CI.

Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.