{"id":2804,"date":"2019-11-24T11:19:30","date_gmt":"2019-11-24T16:19:30","guid":{"rendered":"https:\/\/www.focussf.ca\/?page_id=2804"},"modified":"2023-03-13T09:44:55","modified_gmt":"2023-03-13T13:44:55","slug":"home","status":"publish","type":"page","link":"https:\/\/focussf.ca\/en\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2804\" class=\"elementor elementor-2804 elementor-562\">\n\t\t\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-10 elementor-section elementor-top-section elementor-element elementor-element-19be1518 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19be1518\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-100 penci-ercol-order-1 penci-sticky-ct    elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-117eab45\" data-id=\"117eab45\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2458476d elementor-widget elementor-widget-text-editor\" data-id=\"2458476d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p><strong>FOCUS Financial Services<\/strong> is an independent financial services firm in existence <strong>since 1998<\/strong>. Our clients use our services for the management of their investment portfolio and the protection of their wealth. Most of them have either no time, no interest or the appropriate financial knowledge to put together an optimal\u00a0investment strategy. Retirement often occurs more quickly that we anticipate and it is essential to develop a specific plan to minimize the surprises.<\/p>\n\n<p>We pay a special attention to taxes. For the majority of taxpayers, it is the largest expense they will assume in their lives. Our <strong>expertise in taxation <\/strong>allows us to put in place structures to reduce, differ, or in some cases eliminate income tax.<\/p>\n\n<p>We believe that a rational approach to retirement is to seek out the assistance of an <strong>independent advisor<\/strong>, a specialist who has the knowledge and expertise to <strong>guide <\/strong><strong>you through<\/strong> the maze of available options. He will recommend the best strategy and ensure a <strong>continuous monitoring <\/strong>throughout the process. In conclusion, he <strong>will support <\/strong><strong>you<\/strong> to reach your financial goals.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-30 elementor-section elementor-inner-section elementor-element elementor-element-4b50af70 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b50af70\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-33 penci-ercol-order-1 penci-sticky-sb penci-sidebarSC   elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1096afd2\" data-id=\"1096afd2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-600db5f0 elementor-widget elementor-widget-penci-info-box\" data-id=\"600db5f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"penci-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div id=\"penci_info_box_41748\" class=\"penci-block-vc penci-info-box penci-ibox-top-center penci-view-framed penci-shape-circle\">\n            <div class=\"penci-ibox-inner\">\n\t\t\t\t\t\t\t\t<div class=\"penci-ibox-icon penci-ibox-icon--icon penci-icon penci-tibox-icon\"><span class=\"penci-ibox-icon-fa\"><i class=\"penci-ibox-icon--i fa fa-umbrella\" aria-hidden=\"true\"><\/i><\/span><\/div>                <div class=\"penci-ibox-content-wrap\">\n\t\t\t\t\t\t\t\t\t\t<h3\n                            class=\"penci-ibox-title\">Insurance<\/h3>\t\t\t\t\t\t\t\t\t\t                        <div class=\"penci-ibox-content\"><p>We offer different solutions to protect individuals and their family against illness, disability and death.<\/p>\n<\/div>\t\t\t\t\t                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"penci-ercol-33 penci-ercol-order-2 penci-sticky-sb penci-sidebarSC   elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6e330680\" data-id=\"6e330680\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c3ecd3b elementor-widget elementor-widget-penci-info-box\" data-id=\"5c3ecd3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"penci-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div id=\"penci_info_box_98300\" class=\"penci-block-vc penci-info-box penci-ibox-top-center penci-view-framed penci-shape-circle\">\n            <div class=\"penci-ibox-inner\">\n\t\t\t\t\t\t\t\t<div class=\"penci-ibox-icon penci-ibox-icon--icon penci-icon penci-tibox-icon\"><span class=\"penci-ibox-icon-fa\"><i class=\"penci-ibox-icon--i fa fa-sort-amount-desc\" aria-hidden=\"true\"><\/i><\/span><\/div>                <div class=\"penci-ibox-content-wrap\">\n\t\t\t\t\t\t\t\t\t\t<h3\n                            class=\"penci-ibox-title\">Investment<\/h3>\t\t\t\t\t\t\t\t\t\t                        <div class=\"penci-ibox-content\"><p>In order to better manage risk, day to day we follow 30 global economic indicators and we do not hesitate to reduce exposure to growth stocks when we deem appropriate.<\/p>\n<\/div>\t\t\t\t\t                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"penci-ercol-33 penci-ercol-order-3 penci-sticky-sb penci-sidebarSC   elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-30a7ca58\" data-id=\"30a7ca58\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5be8d84 elementor-widget elementor-widget-penci-info-box\" data-id=\"5be8d84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"penci-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div id=\"penci_info_box_17280\" class=\"penci-block-vc penci-info-box penci-ibox-top-center penci-view-framed penci-shape-circle\">\n            <div class=\"penci-ibox-inner\">\n\t\t\t\t\t\t\t\t<div class=\"penci-ibox-icon penci-ibox-icon--icon penci-icon penci-tibox-icon\"><span class=\"penci-ibox-icon-fa\"><i class=\"penci-ibox-icon--i fa fa-binoculars\" aria-hidden=\"true\"><\/i><\/span><\/div>                <div class=\"penci-ibox-content-wrap\">\n\t\t\t\t\t\t\t\t\t\t<h3\n                            class=\"penci-ibox-title\">Planning<\/h3>\t\t\t\t\t\t\t\t\t\t                        <div class=\"penci-ibox-content\"><p>We have the opportunity to work with very elaborate tools which take into consideration all financial aspects of an investor. A detailed report is produce and precisely shows the impact of a decision versus another.  <\/p>\n<\/div>\t\t\t\t\t                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-21 elementor-section elementor-inner-section elementor-element elementor-element-2a1257d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a1257d2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-33 penci-ercol-order-1 penci-sticky-sb penci-sidebarSC   elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4304daae\" data-id=\"4304daae\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49832d15 elementor-widget elementor-widget-image\" data-id=\"49832d15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"548\" height=\"365\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2011\/11\/photodune-862427-planning-xs.jpg\" class=\"attachment-large size-large wp-image-2881\" alt=\"\" srcset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2011\/11\/photodune-862427-planning-xs.jpg 548w, https:\/\/focussf.ca\/wp-content\/uploads\/2011\/11\/photodune-862427-planning-xs-300x199.jpg 300w, https:\/\/focussf.ca\/wp-content\/uploads\/2011\/11\/photodune-862427-planning-xs-82x55.jpg 82w, https:\/\/focussf.ca\/wp-content\/uploads\/2011\/11\/photodune-862427-planning-xs-200x133.jpg 200w, https:\/\/focussf.ca\/wp-content\/uploads\/2011\/11\/photodune-862427-planning-xs-340x226.jpg 340w\" sizes=\"(max-width: 548px) 100vw, 548px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"penci-ercol-66 penci-ercol-order-2 penci-sticky-ct    elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-492f0d5b\" data-id=\"492f0d5b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f47dbfd elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5f47dbfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/en\/demande-de-consultation\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Request for consultation<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/en\/changement-dadresse\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Address Change Form<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/en\/prelevements-automatiques\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pre-authorized Withdrawal<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.monpeakenligne.com\/secure\/new_client_access.asp?Lng=EN\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Online statement subscription<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/en\/clients\/financial-newsletter\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Financial newsletter subscription<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-10 elementor-section elementor-top-section elementor-element elementor-element-22dd9050 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22dd9050\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-100 penci-ercol-order-1 penci-sticky-ct    elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2356b645\" data-id=\"2356b645\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73151682 elementor-widget-mobile__width-inherit elementor-hidden-phone elementor-widget elementor-widget-penci-team-member\" data-id=\"73151682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"penci-team-member.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"penci-block-vc penci-teammb-bsc penci-teammb-s1 pencisc-grid-3 pencisc-grid-tablet-2 pencisc-grid-mobile-1 pcsc-shape-default pcsc-st-default\">\n\t\t\t    <div class=\"penci-border-arrow penci-homepage-title penci-home-latest-posts style-7 pcalign-left pciconp-right pcicon-right block-title-icon-left\">\n        <h3 class=\"inner-arrow\">\n        <span>\n                    <span>Our team<\/a>                <\/span>\n        <\/h3>\n\t\t        <\/div>\n\t\t            <div class=\"penci-block_content pencisc-grid\">\n\t\t\t\t                    <div class=\"penci-teammb-item pencisc-grid-item\">\n                        <div class=\"penci-teammb-inner\">\n\t\t\t\t\t\t\t<span  data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2011\/10\/Sylvain_029-e1377287167394.jpg\" class=\"penci-image-holder penci-teammb-img penci-lazy\"><\/span>                            <div class=\"penci-team_item__info\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    <h5 class=\"penci-team_member_name\">Sylvain Lapointe<\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    <div class=\"penci-team_member_desc\">Has founded FOCUS Financial Services in 1998. Sylvain Lapointe is a financial advisor registered through PEAK Securities inc. He is also a financial security advisor\u00a0duly registered at the AMF. He completed with success the exam from the Institut Qu\u00e9becois de Planification Financi\u00e8re (IQPF) in 1999.<\/div>\n\t\t\t\t\t\t\t\t                                <div class=\"penci-team_member_socails penci-social-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\t\t\t\t\t                    <div class=\"penci-teammb-item pencisc-grid-item\">\n                        <div class=\"penci-teammb-inner\">\n\t\t\t\t\t\t\t<span  data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2011\/10\/Arlen-150x225.png\" class=\"penci-image-holder penci-teammb-img penci-lazy\"><\/span>                            <div class=\"penci-team_item__info\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    <h5 class=\"penci-team_member_name\">Arlen Riendeau<\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    <div class=\"penci-team_member_desc\">In the field since 1990. He has worked 22 years for Desjardins and National Bank. He holds a bachelor degree in business administration specialized in marketing.<\/div>\n\t\t\t\t\t\t\t\t                                <div class=\"penci-team_member_socails penci-social-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\t\t\t\t\t                    <div class=\"penci-teammb-item pencisc-grid-item\">\n                        <div class=\"penci-teammb-inner\">\n\t\t\t\t\t\t\t<span  data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2011\/10\/Lucie-160x224.png\" class=\"penci-image-holder penci-teammb-img penci-lazy\"><\/span>                            <div class=\"penci-team_item__info\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    <h5 class=\"penci-team_member_name\">Lucie Hachey<\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    <div class=\"penci-team_member_desc\">Joined FOCUS Financial Services in 2007. She is responsible for the transactions accuracy and integrity, client\u2019s follow-ups, agenda organization and the customer\u2019s communications and service.<\/div>\n\t\t\t\t\t\t\t\t                                <div class=\"penci-team_member_socails penci-social-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\t\t\t\t\t            <\/div>\n        <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-10 elementor-section elementor-top-section elementor-element elementor-element-4b42c399 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b42c399\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-100 penci-ercol-order-1 penci-sticky-ct    elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72aaaec\" data-id=\"72aaaec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20afce9c elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-penci-about-me\" data-id=\"20afce9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"penci-about-me.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"penci-block-vc penci-about-me\">\n\t\t\t    <div class=\"penci-border-arrow penci-homepage-title penci-home-latest-posts style-7 pcalign-left pciconp-right pcicon-right block-title-icon-left\">\n        <h3 class=\"inner-arrow\">\n        <span>\n                    <span>Our team<\/a>                <\/span>\n        <\/h3>\n\t\t        <\/div>\n\t\t\t\t\t<div class=\"penci-block_content about-widget pc_aligncenter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"penci-widget-about-image nopin penci-lazy\" nopin=\"nopin\" width=\"240\" height=\"\" src=\"data:image\/svg+xml,%3Csvg%20xmlns=&#039;http:\/\/www.w3.org\/2000\/svg&#039;%20viewBox=&#039;0%200%20240%20239&#039;%3E%3C\/svg%3E\" data-src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2019\/11\/sylvain.png\" alt=\"Sylvain Lapointe\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<h3 class=\"about-me-heading\">Sylvain Lapointe<\/h3>\n\t\t\n\t\t\t\t\t\t\t<div class=\"penci-aboutme-content\"><p>Has founded FOCUS Financial Services in 1998. Sylvain Lapointe is a financial advisor registered through <a href=\"http:\/\/www.peakgroup.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">PEAK Securities inc<\/a>. He is also a financial security advisor\u00a0duly registered at the AMF. He completed with success the exam from the Institut Qu\u00e9becois de Planification Financi\u00e8re (IQPF) in 1999.<\/p><\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70787301 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-penci-about-me\" data-id=\"70787301\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"penci-about-me.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"penci-block-vc penci-about-me\">\n\t\t\t\t\t\t<div class=\"penci-block_content about-widget pc_aligncenter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"penci-widget-about-image nopin penci-lazy\" nopin=\"nopin\" width=\"240\" height=\"\" src=\"data:image\/svg+xml,%3Csvg%20xmlns=&#039;http:\/\/www.w3.org\/2000\/svg&#039;%20viewBox=&#039;0%200%20240%20239&#039;%3E%3C\/svg%3E\" data-src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2019\/11\/arlen.png\" alt=\"Arlen Riendeau\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<h3 class=\"about-me-heading\">Arlen Riendeau<\/h3>\n\t\t\n\t\t\t\t\t\t\t<div class=\"penci-aboutme-content\"><p>In the field since 1990. He has worked 22 years for Desjardins and National Bank. He holds a bachelor degree in business administration specialized in marketing.<\/p><\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ace537e elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-penci-about-me\" data-id=\"1ace537e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"penci-about-me.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"penci-block-vc penci-about-me\">\n\t\t\t\t\t\t<div class=\"penci-block_content about-widget pc_aligncenter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"penci-widget-about-image nopin penci-lazy\" nopin=\"nopin\" width=\"240\" height=\"\" src=\"data:image\/svg+xml,%3Csvg%20xmlns=&#039;http:\/\/www.w3.org\/2000\/svg&#039;%20viewBox=&#039;0%200%20240%20239&#039;%3E%3C\/svg%3E\" data-src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2019\/11\/lucie.png\" alt=\"Lucie Hachey\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<h3 class=\"about-me-heading\">Lucie Hachey<\/h3>\n\t\t\n\t\t\t\t\t\t\t<div class=\"penci-aboutme-content\"><p>Joined FOCUS Financial Services in 2007. She is responsible for the transactions accuracy and integrity, client\u2019s follow-ups, agenda organization and the customer\u2019s communications and service.<\/p><\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-10 elementor-section elementor-top-section elementor-element elementor-element-d3e6663 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d3e6663\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-100 penci-ercol-order-1 penci-sticky-ct    elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4a9e716b\" data-id=\"4a9e716b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-388e892c elementor-widget elementor-widget-penci-featured-sliders\" data-id=\"388e892c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"penci-featured-sliders.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"penci-block-el featured-area featured-style-11\"><div class=\"penci-owl-featured-area elsl-style-11 swiper penci-owl-carousel pcfg-slide-388e892c elsl-style-11\" data-item=\"2\" data-desktop=\"2\" data-tablet=\"2\" data-tabsmall=\"1\" data-dots=\"false\" data-nav=\"true\" data-ceffect=\"swing\" data-seffect=\"creative\" data-style=\"style-11\" data-auto=\"true\" data-autotime=\"6000\" data-speed=\"1200\" data-loop=\"true\"><div class=\"penci-owl-nav\"><div class=\"owl-prev\"><i class=\"penciicon-left-chevron\"><\/i><\/div><div class=\"owl-next\"><i class=\"penciicon-right-chevron\"><\/i><\/div><\/div><div class=\"swiper-wrapper\">\t        <div class=\"item swiper-slide\">\n            <div class=\"wrapper-item wrapper-item-classess\">\n                <div class=\"penci-item-mag penci-item-1\">\n                    \t\t\t\t\t                        <a class=\"penci-image-holder penci-lazy\"\n                           data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/12\/first-home-2.jpg\" data_bg_hidpi=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/12\/first-home-2.jpg\"\n                           href=\"https:\/\/focussf.ca\/en\/discover-the-tax-free-first-home-savings-account-tffhsa\/\"\n                           title=\"Discover the Tax-Free First Home Savings Account &#8211; TFFHSA\"><\/a>\n\t\t\t\t\t                    <div class=\"penci-slide-overlay penci-slider7-overlay\">\n                        <a class=\"overlay-link\"\n                           aria-label=\"Discover the Tax-Free First Home Savings Account &#8211; TFFHSA\"\n                           href=\"https:\/\/focussf.ca\/en\/discover-the-tax-free-first-home-savings-account-tffhsa\/\"><\/a>\n\t\t\t\t\t\t                        <div class=\"penci-mag-featured-content\">\n                            <div class=\"feat-text\">\n\t\t\t\t\t\t\t\t                                    <div class=\"cat featured-cat\"><a style=\"\" class=\"penci-cat-name penci-cat-143\" href=\"https:\/\/focussf.ca\/en\/section\/info\/\"  rel=\"category tag\"><span style=\"\">Information<\/span><\/a><a style=\"\" class=\"penci-cat-name penci-cat-150\" href=\"https:\/\/focussf.ca\/en\/section\/info\/investment\/\"  rel=\"category tag\"><span style=\"\">Investment<\/span><\/a><a style=\"\" class=\"penci-cat-name penci-cat-149\" href=\"https:\/\/focussf.ca\/en\/section\/info\/real-estate\/\"  rel=\"category tag\"><span style=\"\">Real Estate<\/span><\/a><\/div>\n\t\t\t\t\t\t\t\t                                <h3><a title=\"Discover the Tax-Free First Home Savings Account &#8211; TFFHSA\"\n                                       href=\"https:\/\/focussf.ca\/en\/discover-the-tax-free-first-home-savings-account-tffhsa\/\">Discover the Tax-Free First Home Savings Account &#8211; TFFHSA<\/a>\n                                <\/h3>\n\t\t\t\t\t\t\t\t                                    <div class=\"feat-meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-time\"><time class=\"entry-date published\" datetime=\"2022-12-21T16:56:01-05:00\">December 21, 2022<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-comments\"><a\n                                                        href=\"https:\/\/focussf.ca\/en\/discover-the-tax-free-first-home-savings-account-tffhsa\/#respond \">0 comments<\/a><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    \t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\t\t\t\t\t\t\t\t                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <div class=\"item swiper-slide\">\n            <div class=\"wrapper-item wrapper-item-classess\">\n                <div class=\"penci-item-mag penci-item-0\">\n                    \t\t\t\t\t                        <a class=\"penci-image-holder penci-lazy\"\n                           data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/06\/loan-or-gift-780x516.webp\" data_bg_hidpi=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/06\/loan-or-gift-585x275.webp\"\n                           href=\"https:\/\/focussf.ca\/en\/take-advantage-of-the-spousal-loan-strategy\/\"\n                           title=\"Take advantage of the spousal-loan strategy\"><\/a>\n\t\t\t\t\t                    <div class=\"penci-slide-overlay penci-slider7-overlay\">\n                        <a class=\"overlay-link\"\n                           aria-label=\"Take advantage of the spousal-loan strategy\"\n                           href=\"https:\/\/focussf.ca\/en\/take-advantage-of-the-spousal-loan-strategy\/\"><\/a>\n\t\t\t\t\t\t                        <div class=\"penci-mag-featured-content\">\n                            <div class=\"feat-text\">\n\t\t\t\t\t\t\t\t                                    <div class=\"cat featured-cat\"><a style=\"\" class=\"penci-cat-name penci-cat-143\" href=\"https:\/\/focussf.ca\/en\/section\/info\/\"  rel=\"category tag\"><span style=\"\">Information<\/span><\/a><\/div>\n\t\t\t\t\t\t\t\t                                <h3><a title=\"Take advantage of the spousal-loan strategy\"\n                                       href=\"https:\/\/focussf.ca\/en\/take-advantage-of-the-spousal-loan-strategy\/\">Take advantage of the spousal-loan strategy<\/a>\n                                <\/h3>\n\t\t\t\t\t\t\t\t                                    <div class=\"feat-meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-time\"><time class=\"entry-date published\" datetime=\"2022-06-28T15:34:09-04:00\">June 28, 2022<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-comments\"><a\n                                                        href=\"https:\/\/focussf.ca\/en\/take-advantage-of-the-spousal-loan-strategy\/#respond \">0 comments<\/a><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    \t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\t\t\t\t\t\t\t\t                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <div class=\"item swiper-slide\">\n            <div class=\"wrapper-item wrapper-item-classess\">\n                <div class=\"penci-item-mag penci-item-1\">\n                    \t\t\t\t\t                        <a class=\"penci-image-holder penci-lazy\"\n                           data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/03\/war-pexels-photo-780x516.jpg\" data_bg_hidpi=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/03\/war-pexels-photo-585x390.jpg\"\n                           href=\"https:\/\/focussf.ca\/en\/what-to-do-during-a-stock-market-correction\/\"\n                           title=\"What to do during a stock-market correction\"><\/a>\n\t\t\t\t\t                    <div class=\"penci-slide-overlay penci-slider7-overlay\">\n                        <a class=\"overlay-link\"\n                           aria-label=\"What to do during a stock-market correction\"\n                           href=\"https:\/\/focussf.ca\/en\/what-to-do-during-a-stock-market-correction\/\"><\/a>\n\t\t\t\t\t\t                        <div class=\"penci-mag-featured-content\">\n                            <div class=\"feat-text\">\n\t\t\t\t\t\t\t\t                                    <div class=\"cat featured-cat\"><a style=\"\" class=\"penci-cat-name penci-cat-143\" href=\"https:\/\/focussf.ca\/en\/section\/info\/\"  rel=\"category tag\"><span style=\"\">Information<\/span><\/a><\/div>\n\t\t\t\t\t\t\t\t                                <h3><a title=\"What to do during a stock-market correction\"\n                                       href=\"https:\/\/focussf.ca\/en\/what-to-do-during-a-stock-market-correction\/\">What to do during a stock-market correction<\/a>\n                                <\/h3>\n\t\t\t\t\t\t\t\t                                    <div class=\"feat-meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-time\"><time class=\"entry-date published\" datetime=\"2022-03-24T11:14:10-04:00\">March 24, 2022<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-comments\"><a\n                                                        href=\"https:\/\/focussf.ca\/en\/what-to-do-during-a-stock-market-correction\/#respond \">0 comments<\/a><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    \t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\t\t\t\t\t\t\t\t                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <div class=\"item swiper-slide\">\n            <div class=\"wrapper-item wrapper-item-classess\">\n                <div class=\"penci-item-mag penci-item-0\">\n                    \t\t\t\t\t                        <a class=\"penci-image-holder penci-lazy\"\n                           data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/01\/Grossery-store-780x516.jpg\" data_bg_hidpi=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/01\/Grossery-store-585x306.jpg\"\n                           href=\"https:\/\/focussf.ca\/en\/inflation-vs-stock-market-returns\/\"\n                           title=\"Inflation vs. stock market returns\"><\/a>\n\t\t\t\t\t                    <div class=\"penci-slide-overlay penci-slider7-overlay\">\n                        <a class=\"overlay-link\"\n                           aria-label=\"Inflation vs. stock market returns\"\n                           href=\"https:\/\/focussf.ca\/en\/inflation-vs-stock-market-returns\/\"><\/a>\n\t\t\t\t\t\t                        <div class=\"penci-mag-featured-content\">\n                            <div class=\"feat-text\">\n\t\t\t\t\t\t\t\t                                    <div class=\"cat featured-cat\"><a style=\"\" class=\"penci-cat-name penci-cat-143\" href=\"https:\/\/focussf.ca\/en\/section\/info\/\"  rel=\"category tag\"><span style=\"\">Information<\/span><\/a><\/div>\n\t\t\t\t\t\t\t\t                                <h3><a title=\"Inflation vs. stock market returns\"\n                                       href=\"https:\/\/focussf.ca\/en\/inflation-vs-stock-market-returns\/\">Inflation vs. stock market returns<\/a>\n                                <\/h3>\n\t\t\t\t\t\t\t\t                                    <div class=\"feat-meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-time\"><time class=\"entry-date published\" datetime=\"2022-01-13T15:42:01-05:00\">January 13, 2022<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-comments\"><a\n                                                        href=\"https:\/\/focussf.ca\/en\/inflation-vs-stock-market-returns\/#respond \">0 comments<\/a><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    \t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\t\t\t\t\t\t\t\t                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <div class=\"item swiper-slide\">\n            <div class=\"wrapper-item wrapper-item-classess\">\n                <div class=\"penci-item-mag penci-item-1\">\n                    \t\t\t\t\t                        <a class=\"penci-image-holder penci-lazy\"\n                           data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2021\/11\/ralph-ravi-kayden-mR1CIDduGLc-unsplash-1-780x516.jpg\" data_bg_hidpi=\"https:\/\/focussf.ca\/wp-content\/uploads\/2021\/11\/ralph-ravi-kayden-mR1CIDduGLc-unsplash-1-585x388.jpg\"\n                           href=\"https:\/\/focussf.ca\/en\/comparing-salary-increases-and-property-price-increases\/\"\n                           title=\"Comparing salary increases and property price escalation\"><\/a>\n\t\t\t\t\t                    <div class=\"penci-slide-overlay penci-slider7-overlay\">\n                        <a class=\"overlay-link\"\n                           aria-label=\"Comparing salary increases and property price escalation\"\n                           href=\"https:\/\/focussf.ca\/en\/comparing-salary-increases-and-property-price-increases\/\"><\/a>\n\t\t\t\t\t\t                        <div class=\"penci-mag-featured-content\">\n                            <div class=\"feat-text\">\n\t\t\t\t\t\t\t\t                                    <div class=\"cat featured-cat\"><a style=\"\" class=\"penci-cat-name penci-cat-143\" href=\"https:\/\/focussf.ca\/en\/section\/info\/\"  rel=\"category tag\"><span style=\"\">Information<\/span><\/a><a style=\"\" class=\"penci-cat-name penci-cat-149\" href=\"https:\/\/focussf.ca\/en\/section\/info\/real-estate\/\"  rel=\"category tag\"><span style=\"\">Real Estate<\/span><\/a><\/div>\n\t\t\t\t\t\t\t\t                                <h3><a title=\"Comparing salary increases and property price escalation\"\n                                       href=\"https:\/\/focussf.ca\/en\/comparing-salary-increases-and-property-price-increases\/\">Comparing salary increases and property price escalation<\/a>\n                                <\/h3>\n\t\t\t\t\t\t\t\t                                    <div class=\"feat-meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-time\"><time class=\"entry-date published\" datetime=\"2021-11-05T15:32:13-04:00\">November 5, 2021<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-comments\"><a\n                                                        href=\"https:\/\/focussf.ca\/en\/comparing-salary-increases-and-property-price-increases\/#respond \">0 comments<\/a><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    \t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\t\t\t\t\t\t\t\t                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <div class=\"item swiper-slide\">\n            <div class=\"wrapper-item wrapper-item-classess\">\n                <div class=\"penci-item-mag penci-item-0\">\n                    \t\t\t\t\t                        <a class=\"penci-image-holder penci-lazy\"\n                           data-bgset=\"https:\/\/focussf.ca\/wp-content\/uploads\/2021\/07\/depositphotos_131271092-stock-photo-giraffe-silhouette-at-sunset.jpg\" data_bg_hidpi=\"https:\/\/focussf.ca\/wp-content\/uploads\/2021\/07\/depositphotos_131271092-stock-photo-giraffe-silhouette-at-sunset-585x390.jpg\"\n                           href=\"https:\/\/focussf.ca\/en\/do-i-have-enough\/\"\n                           title=\"Do I have enough?\"><\/a>\n\t\t\t\t\t                    <div class=\"penci-slide-overlay penci-slider7-overlay\">\n                        <a class=\"overlay-link\"\n                           aria-label=\"Do I have enough?\"\n                           href=\"https:\/\/focussf.ca\/en\/do-i-have-enough\/\"><\/a>\n\t\t\t\t\t\t                        <div class=\"penci-mag-featured-content\">\n                            <div class=\"feat-text\">\n\t\t\t\t\t\t\t\t                                    <div class=\"cat featured-cat\"><a style=\"\" class=\"penci-cat-name penci-cat-143\" href=\"https:\/\/focussf.ca\/en\/section\/info\/\"  rel=\"category tag\"><span style=\"\">Information<\/span><\/a><\/div>\n\t\t\t\t\t\t\t\t                                <h3><a title=\"Do I have enough?\"\n                                       href=\"https:\/\/focussf.ca\/en\/do-i-have-enough\/\">Do I have enough?<\/a>\n                                <\/h3>\n\t\t\t\t\t\t\t\t                                    <div class=\"feat-meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-time\"><time class=\"entry-date published\" datetime=\"2021-07-14T16:42:41-04:00\">July 14, 2021<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                            <span class=\"feat-comments\"><a\n                                                        href=\"https:\/\/focussf.ca\/en\/do-i-have-enough\/#respond \">0 comments<\/a><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                    \t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\t\t\t\t\t\t\t\t                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\t\t<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e93079f elementor-widget elementor-widget-penci-recent-posts\" data-id=\"e93079f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;rp_rows_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"penci-recent-posts.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"penci-block-vc penci_recent-posts-sc widget\">\n\t\t\t    <div class=\"penci-border-arrow penci-homepage-title penci-home-latest-posts style-7 pcalign-left pciconp-right pcicon-right block-title-icon-left\">\n        <h3 class=\"inner-arrow\">\n        <span>\n                    <span>Recent posts<\/a>                <\/span>\n        <\/h3>\n\t\t        <\/div>\n\t\t            <div class=\"penci-block_content\">\n\n                <ul id=\"penci-latestwg-7005\"\n\t\t\t\t\t\t\t\t\t\t                    class=\"side-newsfeed penci-feed-2columns penci-2columns-feed\">\n\t\t\t\t\t                        <li class=\"penci-feed\">\n\t\t\t\t\t\t\t                            <div class=\"side-item\">\n\t\t\t\t\t\t\t\t                                <div class=\"side-item-text\">\n\t\t\t\t\t\t\t\t\t\n                                    <h4 class=\"side-title-post\">\n                                        <a href=\"https:\/\/focussf.ca\/en\/discover-the-tax-free-first-home-savings-account-tffhsa\/\" rel=\"bookmark\"\n                                           title=\"Discover the Tax-Free First Home Savings Account &#8211; TFFHSA\">\n\t\t\t\t\t\t\t\t\t\t\t<strong>Discover the Tax-Free First Home Savings Account &#8211; TFFHSA<\/strong>                                        <\/a>\n                                    <\/h4>\n\t\t\t\t\t\t\t\t\t                                        <div class=\"grid-post-box-meta penci-side-item-meta pcsnmt-below\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                                <span class=\"side-item-meta side-wdate\"><time class=\"entry-date published\" datetime=\"2022-12-21T16:56:01-05:00\">December 21, 2022<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                        <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/li>\n\t\t\t\t\t\t                        <li class=\"penci-feed\">\n\t\t\t\t\t\t\t                            <div class=\"side-item\">\n\t\t\t\t\t\t\t\t                                <div class=\"side-item-text\">\n\t\t\t\t\t\t\t\t\t\n                                    <h4 class=\"side-title-post\">\n                                        <a href=\"https:\/\/focussf.ca\/en\/take-advantage-of-the-spousal-loan-strategy\/\" rel=\"bookmark\"\n                                           title=\"Take advantage of the spousal-loan strategy\">\n\t\t\t\t\t\t\t\t\t\t\tTake advantage of the spousal-loan strategy                                        <\/a>\n                                    <\/h4>\n\t\t\t\t\t\t\t\t\t                                        <div class=\"grid-post-box-meta penci-side-item-meta pcsnmt-below\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                                <span class=\"side-item-meta side-wdate\"><time class=\"entry-date published\" datetime=\"2022-06-28T15:34:09-04:00\">June 28, 2022<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                        <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/li>\n\t\t\t\t\t\t                        <li class=\"penci-feed\">\n\t\t\t\t\t\t\t                            <div class=\"side-item\">\n\t\t\t\t\t\t\t\t                                <div class=\"side-item-text\">\n\t\t\t\t\t\t\t\t\t\n                                    <h4 class=\"side-title-post\">\n                                        <a href=\"https:\/\/focussf.ca\/en\/what-to-do-during-a-stock-market-correction\/\" rel=\"bookmark\"\n                                           title=\"What to do during a stock-market correction\">\n\t\t\t\t\t\t\t\t\t\t\tWhat to do during a stock-market correction                                        <\/a>\n                                    <\/h4>\n\t\t\t\t\t\t\t\t\t                                        <div class=\"grid-post-box-meta penci-side-item-meta pcsnmt-below\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                                <span class=\"side-item-meta side-wdate\"><time class=\"entry-date published\" datetime=\"2022-03-24T11:14:10-04:00\">March 24, 2022<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                        <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/li>\n\t\t\t\t\t\t                        <li class=\"penci-feed\">\n\t\t\t\t\t\t\t                            <div class=\"side-item\">\n\t\t\t\t\t\t\t\t                                <div class=\"side-item-text\">\n\t\t\t\t\t\t\t\t\t\n                                    <h4 class=\"side-title-post\">\n                                        <a href=\"https:\/\/focussf.ca\/en\/inflation-vs-stock-market-returns\/\" rel=\"bookmark\"\n                                           title=\"Inflation vs. stock market returns\">\n\t\t\t\t\t\t\t\t\t\t\tInflation vs. stock market returns                                        <\/a>\n                                    <\/h4>\n\t\t\t\t\t\t\t\t\t                                        <div class=\"grid-post-box-meta penci-side-item-meta pcsnmt-below\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                                <span class=\"side-item-meta side-wdate\"><time class=\"entry-date published\" datetime=\"2022-01-13T15:42:01-05:00\">January 13, 2022<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                        <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/li>\n\t\t\t\t\t\t                        <li class=\"penci-feed\">\n\t\t\t\t\t\t\t                            <div class=\"side-item\">\n\t\t\t\t\t\t\t\t                                <div class=\"side-item-text\">\n\t\t\t\t\t\t\t\t\t\n                                    <h4 class=\"side-title-post\">\n                                        <a href=\"https:\/\/focussf.ca\/en\/comparing-salary-increases-and-property-price-increases\/\" rel=\"bookmark\"\n                                           title=\"Comparing salary increases and property price escalation\">\n\t\t\t\t\t\t\t\t\t\t\tComparing salary increases and property price escalation                                        <\/a>\n                                    <\/h4>\n\t\t\t\t\t\t\t\t\t                                        <div class=\"grid-post-box-meta penci-side-item-meta pcsnmt-below\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                                <span class=\"side-item-meta side-wdate\"><time class=\"entry-date published\" datetime=\"2021-11-05T15:32:13-04:00\">November 5, 2021<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                        <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/li>\n\t\t\t\t\t\t                        <li class=\"penci-feed\">\n\t\t\t\t\t\t\t                            <div class=\"side-item\">\n\t\t\t\t\t\t\t\t                                <div class=\"side-item-text\">\n\t\t\t\t\t\t\t\t\t\n                                    <h4 class=\"side-title-post\">\n                                        <a href=\"https:\/\/focussf.ca\/en\/do-i-have-enough\/\" rel=\"bookmark\"\n                                           title=\"Do I have enough?\">\n\t\t\t\t\t\t\t\t\t\t\tDo I have enough?                                        <\/a>\n                                    <\/h4>\n\t\t\t\t\t\t\t\t\t                                        <div class=\"grid-post-box-meta penci-side-item-meta pcsnmt-below\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                                <span class=\"side-item-meta side-wdate\"><time class=\"entry-date published\" datetime=\"2021-07-14T16:42:41-04:00\">July 14, 2021<\/time><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                        <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n                        <\/li>\n\t\t\t\t\t\t                <\/ul>\n\t\t\t\t            <\/div>\n        <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b5ccef3 elementor-widget elementor-widget-button\" data-id=\"3b5ccef3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See all posts<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-10 elementor-section elementor-top-section elementor-element elementor-element-7c2a048e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c2a048e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-100 penci-ercol-order-1 penci-sticky-ct    elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-164573d0\" data-id=\"164573d0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-30 elementor-section elementor-inner-section elementor-element elementor-element-5ebb021 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ebb021\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-33 penci-ercol-order-1 penci-sticky-sb penci-sidebarSC   elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1d743235\" data-id=\"1d743235\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cbccb7c elementor-widget elementor-widget-google_maps\" data-id=\"cbccb7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"google_maps.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed\">\n\t\t\t<iframe loading=\"lazy\"\n\t\t\t\t\tsrc=\"https:\/\/maps.google.com\/maps?q=7750%2C%20Boul.%20Cousineau%2C%20bureau%20305%20Saint-Hubert%20%28Qu%C3%A9bec%29%20J3Z%200C8&#038;t=m&#038;z=10&#038;output=embed&#038;iwloc=near\"\n\t\t\t\t\ttitle=\"7750, Boul. Cousineau, bureau 305 Saint-Hubert (Qu\u00e9bec) J3Z 0C8\"\n\t\t\t\t\taria-label=\"7750, Boul. Cousineau, bureau 305 Saint-Hubert (Qu\u00e9bec) J3Z 0C8\"\n\t\t\t><\/iframe>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"penci-ercol-33 penci-ercol-order-2 penci-sticky-sb penci-sidebarSC   elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1f5f3c57\" data-id=\"1f5f3c57\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ce27b87 elementor-widget elementor-widget-text-editor\" data-id=\"7ce27b87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>FOCUS Services Financiers \/ <br \/>PEAK Securities inc.<\/h5><p>7750, Boul. Cousineau, suite 305<br \/>Saint-Hubert (Quebec) J3Z 0C8<\/p><p><strong>Phone<\/strong> : (450) 443-8444<br \/><strong>Toll free<\/strong> : 1 (866) 443-8444<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"penci-ercol-33 penci-ercol-order-3 penci-sticky-sb penci-sidebarSC   elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-198ffb6a\" data-id=\"198ffb6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36c7a81e elementor-widget elementor-widget-text-editor\" data-id=\"36c7a81e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>Other addresses :<\/h5><p>Grafoid Global Technology Center<br \/>945 Princess Street, box 108<br \/>Kingston, ON, K7L 0E9<br \/>Phone: (613) 546-7017<\/p><p>2000, rue Mansfield, 18<sup>th<\/sup> floor<br \/>Montreal (Quebec) H3A 3A6<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FOCUS Financial Services is an independent financial services firm in existence since 1998. Our clients use our services for the management of their investment portfolio and the protection of their&hellip;<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-2804","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/focussf.ca\/en\/wp-json\/wp\/v2\/pages\/2804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/focussf.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/focussf.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/focussf.ca\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/focussf.ca\/en\/wp-json\/wp\/v2\/comments?post=2804"}],"version-history":[{"count":11,"href":"https:\/\/focussf.ca\/en\/wp-json\/wp\/v2\/pages\/2804\/revisions"}],"predecessor-version":[{"id":3757,"href":"https:\/\/focussf.ca\/en\/wp-json\/wp\/v2\/pages\/2804\/revisions\/3757"}],"wp:attachment":[{"href":"https:\/\/focussf.ca\/en\/wp-json\/wp\/v2\/media?parent=2804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}