Caroline Fluet, CIWM, B.A.
Portfolio Manager, Senior Wealth Manager
T 418-692-3668
Languages: French
Biography
Over 20 years of experience
Caroline’s rigour and knack for organization lends a stable hand to the team. She puts her environmental sensibilities to work ensuring the team respects our ESG principles.
RESPONSABILITIES
Business development
After-sales service
Garon-Fluet-Bissonnette-Rodrigue
Excellence Accreditation
Excellence accreditation attests that the wealth manager's practice meets the highest standards of quality in order to offer you an unparalleled experience in meeting your financial needs. This distinction is awarded exclusively to Desjardins Securities wealth managers who participate in a continuous development and improvement program.
The Garon Fluet Bissonnette - Portfolio Managers team consists of eleven people who have combined their education, expertise and professional experience to offer you distinctive and personalized service. Our team manages more than $750 million in assets.
Mission
The Garon-Fluet-Bissonnette-Rodrigue team is determined to expand their clients’ wealth by providing dynamic long-term management of their investments. Transparency, trust and mutual respect characterize the professional relationships they maintain with their clients.
Investment Philosophy
In making investments, we favour top-down management. Asset allocation accounts for most of the added value generated by our portfolios. We conduct a full economic analysis in deciding whether to go overweight or underweight in particular sectors, based on our forecasts. Growth in earnings per share and in dividends are important for us, as are low debt-to-equity ratios and the visibility and predictability of earnings per share. We buy high-quality stocks, enabling us to reduce volatility in existing investments and to promote long-term growth. We favour reasonable price-earnings ratios and strong returns on equity. Our portfolios are focused; they must take account of tax impacts and show a low turnover. When necessary, we rebalance portfolios based on targeted weightings. Our criteria for selling a stock are deterioration in basic parameters and a valuation that no longer matches the pre-established targets.
What sets us apart
The members of the team are noted for their proactive, value-focused approach and the rigour of their working methods. These experienced managers also stand out from their competitors through the transparency they show in terms of trading, performance, fees and sharing of information. They have broad experience in portfolio management, specializing in Canadian blue chip stocks.
Values
In business management, we believe it is fundamental to known our clients well and to maintain relationships with each of them in an atmosphere of trust and collaboration. We feel we should be linked by ties of mutual respect, and all our clients should be treated equitably. In our view, it is vital to show transparency not only in trading and related information but also in management fees, performance and follow-up. Our clients should provide us with all the information needed for wise decisions to be made and to help us manage their portfolios better. For us, success is achieved by implementing proven processes and by working in a rigorous and structured way.
Service Offer
Investment advice: Setting of financial goals, analysis of risk tolerance, statement of investment policy, establishment of an asset allocation strategy, selection of portfolio managers, construction of a portfolio, continuous monitoring and portfolio rebalancing, estate planning and insuranceFootnote 1.
Regular communication: Quarterly performance reviews and comments, year-end tax reports (when required), telephone contacts based on pre-established needs, responding to clients’ calls and e-mail message within 24 hours, annual performance examination.
Portfolio management: We have created portfolios that are offered to our clients based on their profiles and investment horizons. The effectiveness and rigour of our management methods apply at all decision-making levels. Our portfolios are focused and provide a good blanace between risk management and return on investments.
Retirement projection: Some of our clients need to know if they will have enough money when they retire. To help them assess their needs at that stage in their lives, we offer to conduct a simulation that lets them see their future needs, taking account of inflation, taxes and their spending habits.
New way of developing your investments: Transfer of decision-making power, with oversight through an investment policy and with a disciplined investment strategy that provides control, flexibility and tax advantages. Compensation in the form of management fees (percentage of asset value). Tax deductibility of management fees in non-registered accounts. Fees calculated on an amortizing basis. Possibility of linking accounts. No hidden fees. Discretionary management lets you remain the beneficial owner of your securities. Capital gains and losses are attributed to each security sold. Other investors’ cash flows have no impact on your portfolio. Managers conduct changes based on shifts in market. Buying and selling of securities in your portfolio is executed by Desjardins Securities.
- Through Desjardins Securities Financial Services or the Caisse network.
Biographies of my colleagues
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Jacques Garon, BBA, CIM®
Portfolio Manager, Senior Wealth Manager
T 418-692-3668
Languages: French, English
Over 15 years of experience
An entrepreneur at heart, Jacques is always pushing the business model to reflect the needs of clients, and especially entrepreneurs.
RESPONSABILITIES
Portfolio management
Business development
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Jocelyn Bissonnette, M. Sc., BBA, CFA, CIM®
Portfolio Manager, Wealth Manager
T 418-692-3668 ext. 5112018
Languages: French, English
Over 15 years of experience
Jocelyn has a degree in quantitative methods, a master’s degree in economics and is a Chartered Financial Analyst, a highly regarded designation in the financial services sector. He brings extensive experience in institutional markets to his portfolio management style and the attitude of an avid sailor to bear when navigating market and economic cycles.
RESPONSABILITIES
Portfolio management
Business development
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Louis Rodrigue, CAIA, M. Sc., CFA
Portfolio Manager, Wealth Manager
T 418-692-3668
Languages: French, English
More than 10 years of experience
Louis holds a Bachelor of Business Administration and a Master of Finance. He specializes in private equity, and is a Chartered Financial Analyst (CFA) and a Chartered Alternative Investment Analyst (CAIA). Both of these designations speak to his portfolio management skills and commitment to ethics.
Louis is a proud Beauceron who loves being active. He does everything it takes to help our clients reach their financial goals.
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Guy Delage, BBA
Wealth Manager
T 418-692-3668
Languages: French
Over 25 years of experience
A devoted grandfather, Guy deals with clients as if they were part of his extended family. His extensive experience and ability to really hear what clients are saying help him excel at meeting member and client needs.
RESPONSABILITIES
After-sales and customer service
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Sabrina Rhéaume, BBA, F. Pl
Financial Planner
T 418-692-3668 ext. 5112032
Languages: French, English
Over 5 years of experience
Sabrina has a bachelor's degree in administration from the Université du Québec à Rimouski. She is also an accredited financial planner (F.Pl.). Sabrina has worked in finance since 2016 and was working in the Desjardins caisse network before joining our team. Her professionalism, organizational skills and attention to detail make her a valuable asset to our team. Sabrina enjoys playing golf and travelling.
RESPONSABILITIES
Financial planning
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Mélissa Lortie, M. Fisc, F. Pl, CPA
Financial Planner
T 418-692-3668
Languages: French, English
Over 5 years of experience
Mélissa is a CPA, tax specialist and financial planner. She's spent for several years in various accounting firms.
She uses her valuable experience to help you optimize your business structure and suggest wealth-creating withdrawal strategies.
Mélissa is detail-oriented and knows how to use her specialized expertise for your benefit. She can offer advice on every facet of your wealth management.
She's also passionate about a little-known sport called dog agility! Mélissa is part of a club and enjoys doing competitions with her 2 dogs.
RESPONSIBILITY
Tax and financial planning
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Stéphane Gagnon, BBA, F. Pl
Associate Wealth Management Advisor
T 418-692-3668
Languages: French
Over 25 years of experience
Stéphane, our resident athlete, joined the team in 2023. His main role is to support you in all aspects of your financial planning.
Stéphane's interpersonal and listening skills allow him to quickly build relationships based on trust.
RESPONSABILITIES
Financial Planning
Client services
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Sylvie Vandal,
Wealth Management Associate
T 418-692-1550
Languages: French
Over 30 years of experience
Sylvie’s patience and attention to detail has garnered her the respect of her co-workers and our clients. She’s a valuable point person on the team.
RESPONSABILITIES
Customer service
Trading execution
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Marie Li Latulippe,
Wealth Management Associate
T 418-692-7245
Languages: French
Over 2 years of experience
Marie Li is always ready to help, has an eye for detail, and knows how to listen and take care of our clients. She’s known for her thorough yet efficient work.
RESPONSIBILITIES
Customer service
Trading execution
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Lynda Lessard,
Wealth Management Associate
T 418-692-3668
Languages: French
Over 30 years of experience
Lynda joined our team in 2024 after spending 30 years in a similar role with a national wealth management firm.
Her patience and calm are an asset to colleagues and clients alike.
RESPONSABILITIES
Client services
Transactions
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Maude Voyer Lapointe, B.A.
Wealth Management Associate
T 418-692-3668
Languages: French
Over 10 years of experience
Maude joined our team in 2023. Over the past 10 years, she's held a similar position at Desjardins and other investment firms.
Her joy and optimism are a valued part of our positive workplace.
RESPONSABILITIES
Client services
Transactions
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Johanne Fradette,
Wealth Management Assistant
T 418-692-2499
Languages: French
Over 10 years of experience
Johanne is the friendly face and backbone of our customer service. She welcomes clients, meets their needs and keeps our team running smoothly.
RESPONSABILITIES
Customer service
Client meetings
Account opening and online client access
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Alain Chevalier, MBA, F. Pl
Business Transfer Coach
Languages: French, English
Collaborator | Desjardins Securities Inc.
Alain Chevalier has over 45 years of experience in the banking industry. He has held different positions within companies involved in financial planning and advisory services.
By drawing on a coaching approach, he has been able to give a human dimension to his financial planning knowledge, and he has supported more than 1,000 business owners reflect on and carry out their plans to transfer or sell their business. Positioning himself as a coach, he works to ensure that all parties involved can collaborate to achieve a common goal.
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Équipe de notaires,
Languages: French, English
Collaborators | Desjardins Wealth Management
GENEVIÈVE FOREST
Geneviève Forest is a notary and serves as a senior estate planning advisor at Desjardins Wealth Management.
GENEVIÈVE D’AMOURS
Geneviève D'Amours, who has been a notary since 2009, serves as a senior estate planning advisor at Desjardins Wealth Management.
AMANDINE BOURILLON, D.S.N.
Amandine Bourillon has completed studies in notarial law in both France and Quebec and is a senior estate planning advisor at Desjardins Wealth Management.
ANDRÉ AUCLAIR
André Auclair is a notary and serves as a senior estate planning advisor at Desjardins Wealth Management.
CATHERINE BEAUCHAMP
Catherine Beauchamp is a notary and is currently a team leader and senior estate planning advisor at Desjardins Wealth Management.
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Jeffrey Morrow,
Financial Security Advisor
Languages: French
Collaborators | Desjardins Securities Financial services inc.
Jeffrey has a bachelor's degree in accounting and an MBA in financial planning. He's been a financial security advisor with a major Canadian insurer for more than seven years. His clients appreciate being clear in their explanations and following up. Jeffrey is very thorough when it comes to optimizing a strategy. He's well versed in tax matters.
Location
Desjardins Securities at Québec
70, Dalhousie
5th floor
Québec (Québec)
G1K 4B2
418-692-3668 Toll-free : 1-877-780-1166Fax : 418-692-1339
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