Phil is a licensed insolvency trustee (LIT) and is proud to serve clients in Ottawa, Eastern Ontario, and Western Quebec in both English and in French. He has a passion for personal finance and is a believer that everyone can live a happy debt-free life.

His career experience has varied and includes both personal and commercial insolvencies. This ranges from personal insolvencies, including consumer proposals and bankruptcies, to complex receiverships and court-appointed liquidations. Prior to joining our team, Phil worked at the Canada Deposit Insurance Corporation as Director of Operations and Data Compliance. He focused primarily on preparing for the failure of federally regulated Banks and the quick reimbursement of insured deposits to Canadians. Phil has worked for national accounting firms and has focused on insolvency files since 2010. He obtained his trustee license in 2014. Prior to that he was an auditor and tax professional and obtained his Chartered Accountant designation in 2009. He also holds a Bachelor of Business Administration with Honours from Trent University.

Outside of his professional life, Phil enjoys spending time with family and friends. He loves comedy, spending time outdoors, and helping others in the community.

Ken has worked in the insolvency field since 1992 and started working for Fontaine & Associates in 2002 managing the Kingston and Belleville offices. In 2012, he received his trustee license.

Ken has extensive knowledge of consumer proposals, bankruptcy, credit counselling, budgeting and restructuring. He truly enjoys helping people solve their debt problems to put them back on course to rebuilding their credit.

Ken originally went to school and then worked as a computer engineer before getting a job as a para-legal, where he was introduced to insolvency. In his spare time he loves to read, jog, play video games and watch movies. A little known fact about Ken is that he once worked for the Canadian Hockey League as a statistician with the Kingston Frontenacs.

Johanna has worked in the financial industry for over 25 years. Her knowledge and experience in consumer debt, financial analysis and budgeting helps her to assist individuals who are experiencing financial problems. Johanna enjoys seeing her clients’ transformations, knowing that she has helped make things better for them.

 

Johanna obtained her Business Administration 3-year Diploma in 1994 specializing in economics. She began her career in the financial industry at a financial institution. From there, she spent over 15 years as a Senior Credit Counsellor and Creditor Relations Coordinator at a not-for-profit credit counselling agency where she gained experience in insolvency. Johanna obtained her Insolvency Counsellor’s Accreditation in 2002 and her Accredited Financial Counsellor Canada Professional Designation in 2009.

 

According to Johanna, “part of being a person is about helping others. It is not about what you have or what you have accomplished; but it is about who I have lifted up and who I have helped make better. Being kind and having compassion for people that have lost hope is the most important part of their road to recovery.”

 

Johanna is a member of the Kingston Chamber of Commerce and the Gananoque and 1000 Islands Chamber of Commerce.