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Providing peace of mind

Let us help you put together the package that enables you to live you life,
confident that your financial future is sheltered and secured.
Our greatest reward is when our clients say they sleep well at night!

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 Photo

Dessa Kaspardlov

President, 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 Photo

Mike Skinner, CFP

Financial Planner at Manulife Securities Incorporated Life Insurance Advisor, 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 Photo

Joshua Lane, CFP, CIM

Financial Planner at Manulife Securities Incorporated Life Insurance Advisor, 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 Photo

Patrick McHugh, CFA

Director, 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.

Joan Deacon Photo

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 Photo

Jo Layne De Yong

Director, Client Services at 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.
Elias Wilson. B.Comm Photo

Elias Wilson. B.Comm

Financial Planning Associate

Elias recently joined Kaspardlov & Associates after he graduated from the University of Windsor with a Bachelor of Commerce degree (and was named to the Dean's List!). Through co-op and part time work, Elias has several years of experience in building and managing client relationships and is looking forward to meeting all K&A’s clients. Elias will be working closely with Mike and Josh in order to learn the business from the ground up while also studying to further his education. 

Born in Orangeville, Elias’s family moved to LaSalle in 1998 where he grew up and still lives today. Trying out almost every sport that he could, he eventually found his passion in soccer and long-distance running. Elias was proud to complete his first half-marathon in 2017 and has aspirations of completing a full marathon sometime in the near future.

Melissa Lane. B.Comm Photo

Melissa Lane. B.Comm

Financial Planning Associate

Melissa joined Kaspardlov & Associates to assist the financial planning team in a variety of roles. She is a graduate of the University of Windsor with a Bachelor of Commerce degree, concentration in Finance. Her prior experience in the financial services industry includes 2 years at one of the big six Canadian banks and 6 years at a National accounting firm. This experience will help her bring confidence to our clients and a warm welcoming voice on the other end of the phone. Melissa genuinely enjoys helping people and is looking forward to assisting our clients achieve their financial goals. 

Melissa is married to Josh and has two young children, Mila and Owen, who keep her very busy. In her limited free time, she enjoys going to the gym, beating her husband at golf, gardening, baking, and a nice glass of wine!