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Guy Delage, BBA

Investment Advisor

T 418-692-3668

Languages: French

Biography

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

Garon Fluet Bissonnette - Portfolio Managers accréditation excellence

Excellence Accreditation

Excellence accreditation attests that the investment advisor'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 investment advisors who participate in a continuous development and improvement program.

The Desgagnés Garon Fluet - Portfolio Managers team consists of nine people who have combined their education, expertise and professional experience to offer you distinctive and personalized service. Our team manages more than $450 million in assets.

Mission

The Desgagnés Garon Fluet 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 insurance1.

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.

  1. Through Desjardins Securities Financial Services or the Caisse network. Return to footnote 1 referrer

Biographies of my colleagues

  • Jacques Garon, BBA, CIM®

    Vice-President, Portfolio Manager, Investment Advisor

    T 418-692-3668

    Languages: French, English

    Linkedin

    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

  • Caroline Fluet, B.A., CIM®

    Portfolio Manager, Investment Advisor

    T 418-692-3668

    Languages: French

    Linkedin

    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

  • Jocelyn Bissonnette, M. Sc., BBA, CFA, CIM®

    Portfolio Manager, Investment Advisor

    T 418-692-3668 ext. 5112018

    Languages: French, English

    Linkedin

    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

  • Josette Rivard, CIM

    Investment Advisor

    T 418-692-3668

    Languages: French

    Linkedin

    Over 30 years of experience

    Josette is actively involved in her community and has been at Desjardins for more than 30 years. She’s passionate about her work and is invested in supporting our clients and helping them make the most of their retirement plans.

    RESPONSABILITIES

    After-sales and customer service

    Retirement and financial planning

  • Sylvie Vandal,

    Investment Assistant

    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

  • Geneviève Malenfant,

    Investment Assistant

    T 418-692-0458

    Languages: French

    Linkedin

    Over 5 years of experience

    Geneviève brings a dynamic energy to the team and efficiently meets client needs.

    Her team spirit and work ethic are major assets.

    RESPONSABILITIES

    Trading execution

  • Marie Li Latulippe,

    Investment Assistant

    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

  • Johanne Fradette,

    Advisor 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

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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