As a client of Kaspardlov and Associates you will be granted access to a team of professionals that will work collaboratively with your other professional advisors (Tax, Legal, etc.) to create a cohesive and fully customized plan to address your specific needs.
With a celebrated Author, three Certified Financial Planners (CFP), a Chartered Life Underwriter (CLU) and a Chartered Financial Analyst (CFA) on staff, clients of K&A truly receive a unique financial planning experience.

Dessa Kaspardlov

President, 1362201 Ontario Limited o/a Kaspardlov & Associates

Dessa brings her special combination of warmth, perception and discerning judgement to drill down to the answers clients are seeking. With her innate blend of fearlessness and conservatism, brilliance and common sense – Dessa makes planning for your financial needs clear and comprehensible to everyone. It doesn’t matter where you are in the life-cycle of reaching your financial goals. If you’re taking your first steps into investments and savings, or if you’re well into your retirement – Dessa can help you navigate through insurance products, savings, RRIFs and RRSPs* to arrive at the perfect solution for your unique financial needs. Dessa spends as much of her spare time as possible playing golf. A former competitive equestrian, Dessa now keeps herself a little closer to the ground and enjoys gardening, decorating, cooking, wine, travel, antiques, entertaining and learning. She also loves spending time with her four grandchildren.

* mention of funds, insurance, savings, RRIFs and RRSPs refer to the use of insurance products only.




Mike Skinner, CFP

Financial Planner at Manulife Securities Incorporated
Life Insurance Advisor, 1362201 Ontario Limited o/a Kaspardlov & Associates

Mike has been with Kaspardlov & Associates since 2005, becoming a managing partner in 2010, and heads up the “Control Centre” of the office. He has a background tailor-made for his role as business partner to Dessa – he started researching and planning his own investments at the age of 12! With his Bachelor of Commerce degree from the University of Windsor, and his specialized designation of Certified Financial Planner, Mike clearly understands there is no “cookie cutter” approach to financial planning and thoroughly enjoys the unique challenges of creating comprehensive plans that provide value for the average Canadian. He has qualified several times for the Canadian National Educational Conference, which acknowledges superior sales levels across product platforms. Mike and his wife Heidi reside in Kingsville, where they participate in many local activities to support the community… That is when they're not chasing their young daughter, Abby around! Abby, loves being outside just like her Dad who is an avid outdoorsman. Mike enjoys recreational activities including hunting and fishing, along with golf, hockey, and just about any other sport that is in season!




Joshua Lane, CFP, CIM

Financial Planner at Manulife Securities Incorporated
Life Insurance Advisor, 1362201 Ontario Limited o/a Kaspardlov & Associates

Josh joined Kaspardlov & Associates in 2011 to help manage client relationships and to continue to build their presence as leaders in the industry. Josh has been providing financial advice for nearly 10 years now and enjoys making people’s lives easier by offering them sleep at night solutions. A graduate of the University of Windsor, Josh achieved his Certified Financial Planner (CFP) designation in 2012 and was awarded a place on the Financial Planning Standard’s Council (FPSC) President’s List for achieving the third highest mark in Canada on the final exam. He is Past President of the Windsor Estate Planning Council and a member on the FP Foundation Board of Directors. Sticking to his small town roots (Josh grew up in the town of Erie Beach), he and his wife Melissa live in Puce and keep busy with their two young children, Mila and Owen. A diehard sports fan (Maple Leafs, Blue Jays and Detroit Lions – talk about torture!), he actively plays both indoor and beach volleyball and attempts to play golf!




Patrick McHugh, CFA

Director, 1362201 Ontario Limited o/a Kaspardlov & Associates
Investment Advisor at Manulife Securities Incorporated

While Pat joined Kaspardlov & Associates in 2013, his 35+ years of experience and prestigious background elevate him to the head of the class. Past manager of the HOOPP (Hospital of Ontario Pension Plan), and former Senior Managing Director & Canadian Equity Strategist, Pat has worked for some of the most well recognized firms in the industry, including Manulife, Prudential Assurance and Royal Trust. Pat has received many awards and mandates, including the prestigious Lipper Award. Pat loves to be involved with his community and his industry in his spare time. He is the Chair of the Investment Committee and a Director of both the Greater Toronto Scout Foundation and of the National Scout Foundation, as well as a Director and Secretary-Treasurer of the Callan Foundation. In what little time he has left, he also enjoys wine, food, birding, music and a really good joke.




Vickey Rowe, CFP, CLU, CHS

Financial Planner at Manulife Securities Incorporated
Life Insurance Advisor, 1362201 Ontario Limited o/a Kaspardlov & Associates

As a little girl, Vickey always wanted to know how things worked….occasionally resulting in her disassembling her Dad’s radios! That thirst for learning and understanding has carried forward to today, and is reflected in her passion to share her knowledge and experience in financial planning. Vickey joined Kaspardlov & Associates in 2014 and has already become a valuable member of the team. She’s a great blend of smarts and fun, and has an innate ability to connect with her clients and help them on their path to financial stability and freedom. She has a knack for visualizing the whole picture, and putting together the pieces that make sense for each client. Vickey shares her time between Windsor and London, and is a favourite long distance aunt to four nieces and a nephew in B.C. She lives with her partner Bobby and their cat Jinx and her never-ending quest for knowledge has led her to pursue everything from technology to cooking and photography. And, while she doesn’t share Dessa’s mad skills at golf, she has volunteered to drive the cart!




Joan Deacon

Associate at Manulife Securities Incorporated

Joan manages the administrative side of Kaspardlov & Associates, making sure that everything that’s in the plan gets done and that nothing is overlooked. Dessa says, “You want Joan in your corner!” With more than 30 years in the financial services industry, Joan knows every angle and every person in the business. She genuinely enjoys the people she works with, and since joining the team in 2003, Joan has developed a standardized (but absolutely sincere!) description for the clients that pass through their offices – “They are so nice!” Joan lives in Riverside with her husband and two wonderful Golden Retrievers.




Jo Layne De Yong

Director, Client Services at 1362201 Ontario Limited o/a Kaspardlov & Associates

Jo Layne brings with her more than 16 years experience in the service industry, and has been with Kaspardlov & Associates since 2009. She holds a special place in a rapidly disappearing specialty – an actual, living person at the other end of the phone line! A great believer in the power of positive energy, Jo Layne channels that energy into making sure that every client who walks through the door feels welcomed and at home. That welcome is also reflected in the smile you can hear in her voice every time she picks up the phone! Jo Layne resides in LaSalle with her husband and two daughters.




Stephanie Sciacca

Associate, Manulife Securities Incorporated
Associate, 1362201 Ontario Limited o/a Kaspardlov & Associates

Stephanie has always enjoyed helping people and making them her first priority. With several years of financial experience behind her, she has discovered ways to build lasting client relationships while helping clients down their road to financial freedom. She is a person who makes things happen, living by her favorite quote from Winston Churchill-“I like when things happen, and if they don’t happen, I like to make them happen”. Stephanie prides herself on her positive attitude and willingness to do whatever it takes to help people. Stephanie is an avid reader, with a passion for suspense movies and novelty mugs. In her spare time, Stephanie enjoys spending her days with her husband Jonathan and their little puppy Bailee.



Our Approach

Financial Planning:

In the Winter 2018 edition:

Making a decision that can safeguard your family’s lifestyle is a great feeling.

Not only that, there are a range of innovative solutions that help keep you motivated to make healthy lifestyle choices.

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