Karmina received a Bachelor of Commerce degree from McMaster University in 2005, completed the Investment Management course at NSCC in 2007, and most recently obtained the Financial Management Advisor (FMA) designation through the Canadian Securities Institute. Karmina is fully-licensed and dedicated to providing the highest degree of customer support and service.
Eric S. Richards, PFP
I began my financial services career in 1982 with The Bank of Nova Scotia. I worked as a Senior Account Manager with Central Trust and eventually became a branch manager with TD Bank. I left TD in 1998 to pursue a career that allowed me to focus on providing clients with full service independent financial advise and products. I have worked as an Investment Advisor with BMO Nesbitt Burns and with Blackmont Capital until 2009 when I moved my business to Canaccord Wealth Management.
As a Banker for 20 years, my financial background has created a solid foundation that continues to enable me to address all areas of my clients' financial well-being. In fact, my experience and knowledge provides me specialization in areas that are beyond the scope of many other investment advisors. It also allows me to be more innovative when completing financial plans. I hold a "Professional Financial Planner" designation. Also, I am licensed to provide a full range of life insurance products.
As a member of Canada’s premier independent financial services firm, I am committed to serving my clients in a spirit of trust and partnership. It is a commitment and a philosophy that provides my clients with an Independent Advantage:
I live and work in Halifax. My wife Cathy and I have two children - 'Amy and Andy.' I spend as much leisure time as possible on the water sailing and boating around Nova Scotia. While I am passionate about my work, I believe in spending quality time with family, friends and living life to the fullest each and every day.