In 2018, Gavin and Riaz joined VFS to help specialize the company’s offerings. Riaz brings group benefit savvy, while Gavin delivers experience in life and living benefits. Having specialists in specific business segments provides our clients with hyper-focused proficiency in these fields, and comfort in knowing they have experts working on their behalf.
With Volpe Financial Solutions you have independent, personal advisors working on your insurance and investment matters. VFS works for you - not any bank or insurance company - to ensure your family, your portfolio, and your business are properly protected. VFS Advisors provide expert, unbiased advice on your individual insurance and wealth management needs. Unlike other providers who are focused on selling you something, with a VFS broker your interests come first.
It is this singular focus on customer needs that sets a VFS Advisors apart from all other options.
*Mutual funds, exempt market products and exchange traded funds are offered through Investia Financial Services Inc.
A team you can trust.
THE TEAM
BRETT VOLPE
BA, CLU, CHS, RIS
As the Owner of Volpe Financial Solutions, Brett has dedicated the past 17 years to the financial services industry, delivering expert financial planning and wealth management to both personal and corporate clients. An advanced estate planner, financial planner, and a proud member of both MDRT and Advocis, Brett is committed to providing top-tier, tailored financial strategies that protect and grow his clients' wealth. Brett graduated from the University of Western Ontario with a BA in Business and Political Science.
Brett is registered to offer Mutual Funds, ETFs, and Private Equity through Investia Financial Services Inc.
MEAGHAN VOLPE
As the Chief Financial Officer at VFS, Meaghan is the managerial backbone of the firm, ensuring every aspect of the business stays perfectly on track. Meaghan brings a uniquely diverse background bridging finance and healthcare. She previously worked as a Business Application Specialist at RBC Dominion Securities, honing her analytical skills in wealth management. Prior to VFS, Meaghan built a distinguished career as a Respiratory Therapist, most recently serving as Clinical Educator at Trillium Health Partners. A 2010 Honours Health Sciences graduate from The University of Western Ontario, Meaghan’s dynamic expertise makes her indispensable
MICHAEL G. VOLPE
CHS, RIS
A veteran of the financial services industry, Michael has devoted 33 years to helping clients realize their personal and business goals. A proud member of both MDRT and Advocis, he specializes in designing customized insurance and risk management solutions tailored to meet his clients' unique personal and corporate needs. Michael began his distinguished career with MetLife in 1995. He subsequently expanded his industry expertise during his tenures at Clarica and SunLife Financial, before ultimately bringing his decades of deep knowledge and steadfast commitment to client success to the team at Volpe Financial Solutions.
RIAZ HANIFF
B.COMM, CHS, RIS
As the Director of Operations at Volpe Financial Solutions, Riaz is the essential oil that keeps the office running smoothly. Beyond his operational leadership, Riaz is a proud Advocis member dedicated to meeting each client’s personal needs with best-fit life, critical illness, and disability insurance solutions. He graduated from Ryerson University with a Bachelor of Commerce in Business Management. Riaz began his career on the retail side of home, auto, and travel insurance with the Cooperators Group before serving four successful years as a General Insurance specialist. His extensive industry experience ensures VFS operates with absolute efficiency
GAVIN COSCARELLA
CHS, RIS
As a Financial Advisor at Volpe Financial Solutions, Gavin brings a strong background in client relations and strategic execution to the team. Prior to joining VFS, he spent three years in Client Campaign Management with Pattison Outdoor, where he successfully oversaw the delivery of several high-profile corporate campaigns. Gavin combines this hands-on business experience with a solid educational foundation, having studied History and Political Science at the University of Toronto before earning a Post-Graduate Business Diploma from the Sheridan Institute of Technology.
Gavin is registered to sell Mutual Funds, ETFs, and Private Equity through Investia Financial Services inc.
ROBERTO MAZARIEGO
BA
With IFC and LLQP designations, Roberto's finance career started at BMO, followed by hands-on experience in home and auto insurance at RBC. He strives to deliver exceptional client experiences, drawing on significant customer service and sales roles within upscale industries; paired with a lifelong understanding of the insurance sector through his mother's 20+ year career.
Roberto is registered to sell Mutual Funds, ETFs, and Private Equity through Investia Financial Services inc.
ERIN JOHNMAN
Erin Johnman is the organizational heart of Volpe Financial Solutions. As our dedicated Administrative Assistant, Erin expertly manages daily office operations and serves as the primary point of contact for all client scheduling. Her exceptional attention to detail and warmly welcoming personality ensure that every client experience is both seamless and highly professional. Whether she is coordinating complex schedules, greeting clients, or maintaining office efficiency, Erin’s steady support and outstanding organizational skills make her an invaluable asset to the VFS team and an excellent first touchpoint for our clients.
Charitable Contributions
We are proud to Sponsor the Halton Kidney Walk each year, benefitting the Kidney Foundation.
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FAQ
As a brokerage, we aren’t tied to any single insurance company or investment firm. We work entirely for you. We analyze your financial situation, understand your goals, and shop the market across Canada’s leading providers to find the best insurance, investment, and group benefits solutions at the most competitive rates.
If you want to protect your family, grow your wealth, minimize your tax bill, or plan for a secure retirement, a financial planner can help. We bring clarity to your finances by organizing your assets, identifying gaps in your insurance coverage, and creating a step-by-step roadmap tailored to your life stage.
Yes, absolutely. Our advisors are fully licensed and registered in Ontario. Our insurance specialists are regulated by the Financial Services Regulatory Authority of Ontario (FSRA), and our investment professionals are registered to provide mutual funds and ETFs under provincial securities regulations.
While all three protect you and your loved ones financially, they kick in during very different scenarios:
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Life Insurance: Pays out a tax-free lump sum to your beneficiaries (like your family) when you pass away, helping them cover mortgages, debts, or daily living costs.
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Critical Illness Insurance: Pays a tax-free lump sum directly to you if you are diagnosed with a covered life-altering illness (like cancer, heart attack, or stroke) to help pay for treatment, recovery, or lifestyle modifications.
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Disability Insurance: Replaces a portion of your monthly income if an injury or illness prevents you from working, ensuring you can still pay your rent, mortgage, and bills.
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While OHIP covers standard medical care inside Ontario, it provides extremely limited coverage once you leave the province—and almost none when you leave Canada. Out-of-country medical emergencies can easily cost tens of thousands of dollars. Travel insurance ensures you are covered for emergency medical care, trip cancellations, and lost baggage.
Each of these investment vehicles helps you grow your wealth, but they structured differently:
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Mutual Funds: Pools money from many investors to buy a diversified portfolio of stocks or bonds managed by a professional fund manager.
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ETFs (Exchange-Traded Funds): Similar to mutual funds, but they trade on the stock exchange like individual stocks. They often have lower management fees (MERs) and typically track specific market indexes.
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Segregated Funds: These are investment funds sold by insurance companies. They offer similar growth potential to mutual funds but come with unique guarantees (usually protecting 75% to 100% of your principal investment upon death or maturity) and offer excellent estate planning benefits like bypassing probate.
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Yes. We will help you determine the most tax-efficient way to invest your money. Whether you are saving for retirement (RRSP), investing tax-free (TFSA), or saving for your very first home (FHSA), we will align your mutual funds, ETFs, or segregated funds with the right account types to maximize your returns and minimize your taxes.
Group benefits are health, dental, life, and disability coverage packages offered to employees of a company. Providing a robust group benefits plan helps Ontario businesses attract top talent, increase employee retention, support staff wellness, and offer tax-free compensation benefits to employees (which are also tax-deductible for the business).
Not at all! Many insurance providers offer tailored "pooled" benefits packages designed specifically for small businesses with as few as 2 to 10 employees. We can help you customize a cost-effective plan that fits your business budget while providing meaningful coverage for your team.
After having operated a successful financial services company since 2011, father and son team Mike and Brett decided to establish Volpe Financial Solutions in Oakville Ontario in 2017. They recognized an opportunity in the marketplace to offer optimal insurance and investment advice to all clients.
Opening an independent brokerage allowed them the freedom to provide a wide array of products and services without the handcuffs of a large corporation. Without these restrictions, Volpe Financial Solutions is free to shop any and all vendors in the pursuit of developing the optimal combination of products for your specific needs.