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OLD HOME More CONNECT WITH US To our Group Benefits Clients, We’re excited to share some important news! Effective June 16, 2025, the Group Benefits and Group Retirement Division of O’Farrell Financial Services Inc. joined forces with Meldrum Horne, Ottawa’s leading-edge benefits advisory firm. This partnership brings together decades of experience, deep expertise, and a shared commitment to delivering exceptional service and tailored solutions to employers and their teams. What This Means for You: ✅ Same trusted advisor – Your Advisor will continue to support your business. ✅ No disruption – Your plan design and carrier relationships remain unchanged. ✅ Even better service – Your Advisor is now backed by a dedicated team of employee benefits specialists at Meldrum Horne, offering enhanced tools and strategic support. Why Meldrum Horne? Meldrum Horne specializes in Group Benefits and Retirement Programs. With over 25 years of experience and a team of credentialed experts, they deliver innovative, client-first solutions that help organizations attract and retain top talent while staying ahead in a competitive market. Their approach is proactive, responsive, and designed to add long-term value. We’ve had the pleasure of working closely with Meldrum Horne over the past 15 years—and we’re confident you’ll benefit from this new chapter. If you have any questions about the transition, your Advisor and the Meldrum Horne team are here to help. Thank you for your continued trust. Warm regards, The Teams at Meldrum Horne & O’Farrell Financial Services Inc. Going forward, you can connect with us at https://meldrumhorne.com/ or 1.888.548.8902 Looking for information regarding investments and wealth planning? Visit O’Farrell Wealth & Estate Planning. O'FARRELL WEALTH & ESTATE PLANNING © 2023 | All Rights Reserved We collaborate with you and each other to deliver unbiased advice that meets your personal and business needs. Investments and wealth planning are provided through Assante Capital Management Ltd. (“ACM”). Mutual fund products are provided through Assante Financial Management Ltd. (“AFM”). Employee benefits and pension consulting services, mortgage lending services, and insurance products and services are provided through O’Farrell Financial Services Inc. (“OFSI”). OFSI is an independent company unrelated to ACM and AFM. AFM, ACM, and/or its affiliates are not responsible for any service or product provided through O’Farrell Financial Services Inc. Assante Capital Management Ltd. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. Assante Financial Management Ltd. is a member of the Mutual Fund Dealers Association of Canada (“MFDA”) and MFDA Investor Protection Corporation (excluding Quebec).

Find tools for wealth management, advisor articles, videos and seminars, and more. HOME SERVICES ADVANTAGE COMMUNITY RESOURCES ABOUT US More CONNECT WITH US Resources Tools, news, and articles to keep you informed. SUBSCRIBE TO OUR NEWSLETTER O'Farrell News & Insights Articles Mid-Year Financial Check-Up: Are You on Track With Your 2025 Goals? As we cross the halfway mark of 2025, now is the perfect time for a financial check-up. It is a great idea to review the goals you set... Allison Martin Jun 4, 2025 Five Questions to Start your Financial Plan As a Financial Advisor, I often get asked variations of the following questions: When can I retire? How much do I need to save for... Sarah Chisholm May 1, 2025 Young Investors – Do they have financial knowledge? We try to teach our kids to be resilient, to know right from wrong, to stand up for themselves, to be polite and to work hard. Some of us... Cyndy Batchelor Mar 27, 2025 Children’s CI: A Worthwhile Investment? The worst news you could receive is that your child has fallen sick with a critical illness. Worry, fear, and concern come crashing down.... Andrew Goetz Mar 3, 2025 Maintaining Financial Goals in 2025 As we move into 2025, it’s essential to maintain focus on our financial goals. The beginning of a new year often brings a surge of... Cole Seabrook Jan 23, 2025 Holiday Greetings The holiday season is upon us! We are quickly approaching one of the busiest times of the year and it can be so easy to get wrapped up in... Allison Martin Dec 2, 2024 “Money on your Mind. Talk about it!” Each year the Financial Consumer Agency of Canada (FCAC) dedicates the month of November as Financial Literacy Month. The campaign for... Sarah Chisholm Nov 5, 2024 Estate Planning and Best Practices As part of the Estate Planning process, it is imperative that you organize your affairs so that they are managed according to your... Cyndy Batchelor Oct 1, 2024 1 2 3 4 5 Market Updates Wealth Market Recap Stalemate to Checkmate? North American markets witnessed historical recovery with the S&P 500 Index advancing by ~+9.6% and S&P TSX Index by ~+3.0% in April. While the ceasefire announced on April 7th ignited investor enthusiasm on hopes of a truce between the United States, Israel and Iran; the positive momentum was accentuated by the first-quarter earnings season starting in late April. As of this writing, nearly 90% of the companies in the S&P 500 Index have reported first calendar-quarter earnin Vipul Arora 5 days ago Chutzpah, Whipsaw, Seesaw! The North American markets witnessed tumultuous month of March as the war in middle east kept investors on the edge. The S&P 500 Index dropped about -7.80% and S&P TSX dropped about -8.80% from the start of war on February end to their respective troughs in late March before swiftly recovering almost entire losses by mid-April. While it is still early to say the hostilities between the warring parties are over, equity market investors are expecting a probable deal sometime so Vipul Arora Apr 16 Halo, World! The rise of the software sector saw its humble beginnings in the form of the simplest of programs, where the engineer would write a simple code which output “Hello, World!” onto the screen. Over time, Software Engineers have continued to build and write innovative codes that have helped to handle a multitude of tasks more efficiently. As the industry evolved, investors awarded the software companies with high valuation multiples given the nature of their business models which Vipul Arora Mar 16 Decoding Discombobulations North American equity markets started the year on a positive note with the S&P 500 Index up by ~+1.4% and S&P TSX Index by ~+0.70% for month of January. The returns on fixed-income assets were more muted for the month with aggregate fixed income indices in green by +0.11% in the United States and +0.54% in Canada. That said, the month was anything but uneventful. At the start of the year, the United States launched a military operation in Venezuela and captured the sitting pr Vipul Arora Feb 12 Climbing The Wall of Worry The North American equity markets ended the last month of the year on a positive note despite several worries on investors’ minds. The concerns ranging from increasing geopolitical tensions, future profitability of companies investing heavily in artificial intelligence infrastructure, to the policy rate trajectory amid still high inflation and a softening labour market weighed on investor sentiments for the most part in December. The ongoing uncertainty helped demand for saf Vipul Arora Jan 16 Selectivity to Navigate Uncertainty North American capital markets have been witnessing choppy markets since the beginning of November as investors moved from one concern to another in a short span of time. From worries around impact of extended government shutdown on the state of the economy to if the United States Federal Reserve delivered a rate cut on December 10 th , the date for Federal Open Market Committee (FOMC) meeting, to if the extent of capital expenditure done to build the artificial intelligence Vipul Arora Dec 17, 2025 Shutdown Jitters! After ignoring the risks from the government shutdown for a long period, the North American capital markets finally appeared on a shaky ground after the United States’ government shutdown entered its longest run. Historically, the markets have largely ignored the government shutdowns as they typically get resolved before they begin to cause lasting damage to the economy. However, the current shutdown carrying on beyond the 35 days (previous record) put together with air trave Vipul Arora Nov 13, 2025 No Easy Path! The month of September defied the expected seasonality of typically being a weak month of the year and both equity and fixed income asset classes witnessed positive performance for the month. The S&P 500 Index and the S&P TSX Index were in green by ~+4.25% and ~+4.92%; respectively, while the aggregate fixed income indices were up by ~+1.33% in the United States and ~+2.29% in Canada. The risk assets rallied in anticipation of the start of a policy rate cut cycle after a long Vipul Arora Oct 16, 2025 1 2 3 4 5 Invest in Your Financial Future. Subscribe to our Monthly Newsletter. First name Last name Email I consent to O'Farrell Wealth & Estate Panning contacting me by email. Subscribe Thanks for subscribing! Anchor 1 Webinars Videos & Webinars Resources Assante Investor Online Financial Calculator RESP Savings Calculator EY Tax Calculator Farm Succession Planning: Getting the Conversation Started Intergenerational Estate Planning - Steps, Tools & Strategy! Six Things Every Canadian Should Know About Powers of Attorney Inflation, Interest Rates, & Investments - How to Manage Your Portfolio Right Sizing Your Life - Downsizing done Right First Time Home Buyers 1 2 3 Connect with the O’Farrell Team and start planning today. Now is the time to book your consultation and get your wealth planning strategy underway. BOOK YOUR FINANCIAL ANALYSIS Meet with an O'Farrell Advisor at one of our five office locations. Feel free to contact us toll-free: 1-877-989-1997 BROCKVILLE 613.865.8080 40 Brock Street, Brockville ON CORNWALL 613.935.6254 108 Second Street East Unit 103 Cornwall ON KEMPTVILLE 613.258.1997 292 County Road 44 Kemptville ON RENFREW 343.361.0212 1035 O'Brien Road Unit 14 Renfrew ON WINCHESTER 613.774.2456 510 St. Lawrence Street P.O. Box 518 Winchester ON *Mortgage products and services are provided by CI Assante Wealth Management Ltd. through its strategic partnership with Bank of Montreal. We collaborate with you and each other to deliver unbiased advice that meets your personal and business needs. Important Disclosures CI Assante Wealth Management Ltd. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. Insurance products and services are provided through Assante Estate and Insurance Services Inc Know Your Advisor: Advisor Report | Canadian Investment Regulatory Organization (ciro.ca) For further Assante Wealth Management important legal and compliance disclosure, please visit www.assante.com/legal For more information on our privacy policy, please visit http://www.assante.com/privacy-policy © 2026 | All Rights Reserved

OLD HOME More CONNECT WITH US To our Group Benefits Clients, We’re excited to share some important news! Effective June 16, 2025, the Group Benefits and Group Retirement Division of O’Farrell Financial Services Inc. joined forces with Meldrum Horne, Ottawa’s leading-edge benefits advisory firm. This partnership brings together decades of experience, deep expertise, and a shared commitment to delivering exceptional service and tailored solutions to employers and their teams. What This Means for You: ✅ Same trusted advisor – Your Advisor will continue to support your business. ✅ No disruption – Your plan design and carrier relationships remain unchanged. ✅ Even better service – Your Advisor is now backed by a dedicated team of employee benefits specialists at Meldrum Horne, offering enhanced tools and strategic support. Why Meldrum Horne? Meldrum Horne specializes in Group Benefits and Retirement Programs. With over 25 years of experience and a team of credentialed experts, they deliver innovative, client-first solutions that help organizations attract and retain top talent while staying ahead in a competitive market. Their approach is proactive, responsive, and designed to add long-term value. We’ve had the pleasure of working closely with Meldrum Horne over the past 15 years—and we’re confident you’ll benefit from this new chapter. If you have any questions about the transition, your Advisor and the Meldrum Horne team are here to help. Thank you for your continued trust. Warm regards, The Teams at Meldrum Horne & O’Farrell Financial Services Inc. Going forward, you can connect with us at https://meldrumhorne.com/ or 1.888.548.8902 Looking for information regarding investments and wealth planning? Visit O’Farrell Wealth & Estate Planning. O'FARRELL WEALTH & ESTATE PLANNING © 2023 | All Rights Reserved We collaborate with you and each other to deliver unbiased advice that meets your personal and business needs. Investments and wealth planning are provided through Assante Capital Management Ltd. (“ACM”). Mutual fund products are provided through Assante Financial Management Ltd. (“AFM”). Employee benefits and pension consulting services, mortgage lending services, and insurance products and services are provided through O’Farrell Financial Services Inc. (“OFSI”). OFSI is an independent company unrelated to ACM and AFM. AFM, ACM, and/or its affiliates are not responsible for any service or product provided through O’Farrell Financial Services Inc. Assante Capital Management Ltd. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. Assante Financial Management Ltd. is a member of the Mutual Fund Dealers Association of Canada (“MFDA”) and MFDA Investor Protection Corporation (excluding Quebec).

OLD HOME More CONNECT WITH US To our Group Benefits Clients, We’re excited to share some important news! Effective June 16, 2025, the Group Benefits and Group Retirement Division of O’Farrell Financial Services Inc. joined forces with Meldrum Horne, Ottawa’s leading-edge benefits advisory firm. This partnership brings together decades of experience, deep expertise, and a shared commitment to delivering exceptional service and tailored solutions to employers and their teams. What This Means for You: ✅ Same trusted advisor – Your Advisor will continue to support your business. ✅ No disruption – Your plan design and carrier relationships remain unchanged. ✅ Even better service – Your Advisor is now backed by a dedicated team of employee benefits specialists at Meldrum Horne, offering enhanced tools and strategic support. Why Meldrum Horne? Meldrum Horne specializes in Group Benefits and Retirement Programs. With over 25 years of experience and a team of credentialed experts, they deliver innovative, client-first solutions that help organizations attract and retain top talent while staying ahead in a competitive market. Their approach is proactive, responsive, and designed to add long-term value. We’ve had the pleasure of working closely with Meldrum Horne over the past 15 years—and we’re confident you’ll benefit from this new chapter. If you have any questions about the transition, your Advisor and the Meldrum Horne team are here to help. Thank you for your continued trust. Warm regards, The Teams at Meldrum Horne & O’Farrell Financial Services Inc. Going forward, you can connect with us at https://meldrumhorne.com/ or 1.888.548.8902 Looking for information regarding investments and wealth planning? Visit O’Farrell Wealth & Estate Planning. O'FARRELL WEALTH & ESTATE PLANNING *Mortgage products and services are provided by Assante Capital Management Ltd. through its strategic partnership with Bank of Montreal. We collaborate with you and each other to deliver unbiased advice that meets your personal and business needs. Important Disclosures Assante Capital Management Ltd. (“ACM”) is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. Know your Advisor: Know Your Advisor: Advisor Report | Canadian Investment Regulatory Organization (ciro.ca) Assante Financial Management Ltd. (“AFM”) is a member of the Mutual Fund Dealers Association of Canada (“MFDA”) and MFDA Investor Protection Corporation. www.mfda.ca Stocks, bonds and mutual funds are provided through ACM. Mutual fund products are provided through AFM. Only those services offered through ACM are covered by the Canadian Investor Protection Fund, and only those services offered through AFM are covered by the MFDA Investor Protection Corporation. For more information please visit http://www.assante.com/legal or contact our office for clarification. To research the background, qualifications and disciplinary information on advisors at IIROC regulated firms please generate an IIROC Advisor Report. For further Assante Wealth Management important legal and compliance disclosure, please visit www.assante.com/legal For more information on our privacy policy, please visit http://www.assante.com/privacy-policy www.cipf.ca https://www.ciro.ca © 2023 | All Rights Reserved

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Wealth planning for everyone, in all stages of life WEALTH & ESTATE PLANNING < Back to Home Page Our Team We are proud of our dedicated O'Farrell Team members who provide top-tier service with professionalism every day. Dermid O'Farrell Operations CI Assante Wealth Management Ltd. Vipul Arora, CFA Portfolio Manager CI Assante Wealth Management Ltd. Christine Aubin Senior Manager, Operations CI Assante Wealth Management Ltd. Jennifer Shaddick Administrative Associate to Sarah Chisholm CI Assante Wealth Management Ltd. Erika Abraham Administrative Associate to Peggy Mathieson CI Assante Wealth Management Ltd. Matthew Felker, EPC Financial Advisor CI Assante Wealth Management Ltd. Sarah Chisholm Financial Advisor CI Assante Wealth Management Ltd. Kieran Beavis Investment Funds Associate CI Assante Wealth Management Ltd. Amanda Pratt Administrative Associate to Matthew Felker CI Assante Wealth Management Ltd. Keeley Patterson, CFP® Financial Advisor CI Assante Wealth Management Ltd. Allison Martin Financial Advisor CI Assante Wealth Management Ltd. Connie Heffernan Administrative Associate to Keeley Patterson CI Assante Wealth Management Ltd. Scott Prince Investment Funds Associate CI Assante Wealth Management Ltd. Cynthia Batchelor Financial Advisor CI Assante Wealth Management Ltd. Peggy Mathieson Financial Advisor CI Assante Wealth Management Ltd. Haley Hopkins Administrative Associate to Daren Givoque & Cole Seabrook CI Assante Wealth Management Ltd. Brenda Mayhew Administrative Associate to Cyndy Batchelor CI Assante Wealth Management Ltd. Daren Givoque, CDFA Financial Advisor CI Assante Wealth Management Ltd. Cole Seabrook Financial Advisor CI Assante Wealth Management Ltd. Jenna Piché Administrative Associate to Daren Givoque & Cole Seabrook CI Assante Wealth Management Ltd. Abram Gleason Administrative Associate to Daren Givoque & Cole Seabrook CI Assante Wealth Management Ltd. Connect with a Team member today and get focused on your future. The O’Farrell Team looks forward to helping you plan a growth strategy for your wealth that you can preserve and pass on. CONNECT WITH US CONTACT YOUR O'FARRELL TEAM TODAY AT ONE OF OUR FIVE LOCATIONS: Feel free to contact us toll-free: 877.989.1997 BROCKVILLE 613.865.8080 40 Brock Street, Brockville ON CORNWALL 613.935.6254 108 Second Street East Unit 103 Cornwall ON KEMPTVILLE 613.258.1997 292 County Road 44 Kemptville ON RENFREW 343.361.0212 1035 O'Brien Road Unit 14 Renfrew ON WINCHESTER 613.774.2456 510 St. Lawrence Street P.O. Box 518 Winchester ON © 2025 | All Rights Reserved We collaborate with you and each other to deliver unbiased advice that meets your personal and business needs. Assante Capital Management Ltd. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization.

< Back This event is now over. Please visit our Community page to see other upcoming events! INTERGENERATIONAL ESTATE PLANNING Steps, Tools & Strategy! Over the next 10 years, $750 Billion is estimated to be transferred in Canada from Boomers to their descendants. In this webinar you will learn some of the most important strategies that can help you reduce taxation and give you piece of mind that your affairs will be taken care of correctly. ​ You will learn the 5 Effective Steps to estate planning, including how to set goals, and how to identify the right executor or guardian(s) for minor children. Join us for this information packed webinar co hosted by Daren Givoque, Financial Advisor at O'Farrell Wealth & Estate Planning, and Jacqueline Power, Assistant Vice-President, Tax and Estate Planning Mackenzie Investments. RSVP WEBINAR First Name Last Name Email Phone By checking this box you agree to allow us to contact you regarding the webinar. Should you wish to discontinue, you may contact us to withdraw your consent at any time. Your personal information will not be distributed, sold, or traded – it will remain strictly confidential and will only be used for the purpose for which it was provided. For more information on Assante’s commitment to privacy and responsible use of information, please visit www.assante.com/privacy-policy Submit Thanks for submitting! Sorry! Registration for this event is closed.

HOME SERVICES ADVANTAGE COMMUNITY RESOURCES ABOUT US More CONNECT WITH US < BACK Event Registration This event is now over. Please visit our Community page to see other upcoming events! *Mortgage products and services are provided by Assante Capital Management Ltd. through its strategic partnership with Bank of Montreal. ​ We collaborate with you and each other to deliver unbiased advice that meets your personal and business needs. Important Disclosures Assante Capital Management Ltd. (“ACM”) is a member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. ​ Know your Advisor: IIROC Advisor Report ​ Assante Financial Management Ltd. (“AFM”) is a member of the Mutual Fund Dealers Association of Canada (“MFDA”) and MFDA Investor Protection Corporation. ​ ​ www.mfda.ca ​ Stocks, bonds and mutual funds are provided through ACM. Mutual fund products are provided through AFM. Only those services offered through ACM are covered by the Canadian Investor Protection Fund, and only those services offered through AFM are covered by the MFDA Investor Protection Corporation. For more information please visit http://www.assante.com/legal or contact our office for clarification. To research the background, qualifications and disciplinary information on advisors at IIROC regulated firms please generate an IIROC Advisor Report. ​ Employee benefits and pension consulting services, Mortgage lending services, and insurance products and services are provided through O’Farrell Financial Services Inc. (“OFSI”). OFSI is an independent company unrelated to ACM and AFM. ​ For further Assante Wealth Management important legal and compliance disclosure, please visit www.assante.com/legal ​ For more information on our privacy policy, please visit http://www.assante.com/privacy-policy www.cipf.ca https://www.iiroc.ca/ © 2023 | All Rights Reserved