COMMITMENT TO VALUE

THE SIMPLE CHOICE FOR COMPLEX FINANCIAL MATTERS

Valcore Planning Solutions is a full service financial planning office offering planning solutions for today’s complex financial problems. Our Ottawa location hosts a team of financial planning professionals that have decades of experience in the financial services industry. With a beautiful office building, we offer an excellent rental space available to our community. Check out the details to learn more.

Our actions are driven by trust, reliability, empathy, prudence, and innovation. We are committed to contributing positively to the quality of our clients’ lives, and their financial future. With respect and confidentiality, we will give priority to your goals and concerns and work exclusively for your benefit.

Ottawa Office

Jerry Witteveen

PORTFOLIO MANAGER

Jerry Witteveen, CFP, CIM

PORTFOLIO MANAGER –MANULIFE SECURITIES INCORPORATED
LIFE INSURANCE ADVISOR – MANULIFE SECURITIES INSURANCE INC.

jerry.witteveen@manulifesecurities.ca | 613-594-3493, ext. 228

Jerry Witteveen is a Portfolio Manager with over 20 years experience in the financial services industry. Jerry holds a CIM, Chartered Investment Manager and a CFP, Certified Financial Planner, and the founder of Valcore Planning Solutions.

Jerry's experience and expertise in the complex area of corporate tax & succession planning, as well as trust and estate planning, have earned him a high level of respect in the business community. This combination of knowledge and experience is a valuable asset to the business clients he serves.

"My goal is to partner with my clients, team up with their accountants and lawyers, to ensure that not only is the business plan on track, but that the big picture planning items are not being ignored. Entrepreneurs by their nature are great at building their business but need an advisor that not only understands the complexities of their corporate structures but will be able to fit those structures into an overall comprehensive financial plan."

With the strength of Manulife Securities Incorporated and Manulife Securities Insurance Inc. Jerry is able to provide clients with a vast array of investment and insurance solutions to ensure plans are successfully implemented and then over the long term managed to achieve the desired goal.

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Advisor’s Support Team

Sylvia Giannetti

FINANCIAL ADVISOR
lead administrator

Kaitlyn Patey

ADMINISTRATIVE ASSISTANT

Alisha Hatfield

ADMINISTRATIVE ASSISTANT

Loic Kamoso

Investment advisor Assistant- manulife securities incorporated

Heather MacDonald

PORTFOLIO MANAGER

Heather MacDonald, BSc., CFP, CIM

PORTFOLIO MANAGEr - Manulife Securities Incorporated
Life Insurance Advisor – Manulife Securities Insurance Inc.

heather.macdonald@manulifesecurities.ca
613-594-3493 | 1-877-594-3493

Heather MacDonald, has over 20 years of experience working in financial services. She focuses on offering a high-level of service to attend to immediate financial needs and then works with clients to identify goals, and develop solutions for a secure financial future.

"You need to have well researched strategies delivered with personal, down to earth service based on integrity and keeping promises in order to build a trusting relationship. Helping clients and their families is what it is all about."

Heather is a holder of the CFP (Certified Financial Planner) and CIM (Certified Investment Manager) designations. She is a Portfolio Manager with Manulife Securities Incorporated and a Life Insurance Advisor with Manulife Securities Insurance Inc. This structure allows the team to offer extensive investment options to build unbiased portfolios and offer insurance solutions that ensure a tax and estate plan is in place to assist with passing wealth to successive generations.

“My passion is working with clients to help articulate what is important to them financially. This allows me to then put clients at ease by developing strategies and advising them on how best to reach these goals while trying to manage (and enjoy!) current lifestyle. Our team works to design and implement full financial plans and invest our clients net worth in a way that relates to their financial goals to create a cohesive plan of action and opportunities for strategic tax, estate and insurance planning.”

Having the privilege to work with clients, and their families, over the very long term allows our team to ensure the planning and investment strategies we build are not only implemented but reviewed and managed over time to ensure they are up to date and successful.

“I am originally from the East coast so being able to have good honest conversations and learn about a clients’ family and their dreams comes easily and is a very rewarding part of helping my clients reach their goals”

I love to stay physically active, enjoy cottage and outdoor time year-round and travel whenever possible – all of these require planning for both time and cash flow management! I try to keep clients on track financially so they too can enjoy their life’s passions and focus on time with family and friends.

Design. Implement. Manage.

John C. Kennedy

SENIOR FINANCIAL ADVISOR

John C. Kennedy, BA, CFP, CPCA

Senior Financial Advisor – Manulife Securities Incorporated
Life Insurance Advisor – Manulife Securities Insurance Inc.

john.kennedy@manulifesecurities.ca
613-594-3493
613-594-3483
1-877-594-3493

In 2001, John joined Manulife Securities Incorporated (formerly Berkshire Securities Inc.) following an extensive career in the Canadian banking and credit union system. He has held the Certified Financial Planner (CFP) designation since 1999, the Certified Professional Consultant on Aging (CPCA) designation since 2005, and holds a life Accident and Sickness license and has been with Manulife Securities insurance Inc. since 2001.

John is passionate about establishing a strong trust-based working relationship with each one of his clients and considers it a privilege to provide comprehensive financial planning services to the broad spectrum from young families to baby boomers to seniors. He has developed a particular interest in the area of pension benefits and pre-retirement planning. The creation of a well balanced financial plan is of prime focus so that he can help prepare his clients to successfully navigate many of the bumps in the road of life. John feels an important question all of us need to consider is ..."How often do we actually stop to assess what really matters to us in life; what impact are we making and what legacy will or do we want to leave behind?"

On a personal note, John is happily married to his best friend, Connie. They have been blessed with 3 children who are now all married. He is a proud "Papa" to 7 awesome grandchildren, as well as an avid sports enthusiast and devoted cottager and boater. John and Connie are actively involved in their local church where they have served for over 20 years.

Wisdom is better when it's paired with money,
Especially if you get both while you're still living.

Double protection: wisdom and wealth!
Plus this bonus: Wisdom energizes its owner
(Ecclesiastes 7:11-12 /The Message)

Robert Higgerty

SENIOR FINANCIAL ADVISOR

Robert Higgerty, BA, CFP

Senior Financial Advisor – Manulife Securities Incorporated
Life Insurance Advisor – Manulife Securities Insurance Inc.

robert.higgerty@manulifesecurities.ca
613-594-3493 | 613-594-3483 | 1-877-594-3493

Robert Higgerty is a senior financial advisor with over 30 years of experience in financial services. Since 2001 he has been working with Manulife Securities Incorporated. (formerly Berkshire Securities Inc.). Robert earned his CFP designation in 1998 as well as a BA in Economics from Carleton University. His specialty is planning around small business needs and more sophisticated family solutions. He is able to provide his clients with risk management solutions and insurance products offered through Manulife Securities Insurance Inc.

His goal is to develop exceptional relationships with his clients and become a trusted advisor in order to create the most efficient and effective solutions possible. Robert believes that every client is unique in their goals, expectations, and tolerances, and therefore each person requires a very personalized solution to fit their situation. He works with all different types of clients from those that are still young, to those that are still young at heart. Robert takes the time to ensure that every individual is well looked after in their planning needs and that the client understands why their comprehensive financial plan was created a certain way and how this will help them achieve their goals.

Robert is happily married to his wife Sara Afrand and has 3 wonderful boys aged 7, 10, and 15.