It doesn’t take very long to understand that Michael DiBrina is a business owner who likes to get things done, and done right. Like most of his clients, he started his business on his own and has grown it into one of the most successful firms of its kind in Canada. So he knows the frustrations, the opportunities, the sleepless nights and the exhilarating days that come with the territory. He also knows what risk means, and how to find a path through it to achieve the big dreams that really are possible.
That’s why his clients count on his experience and expertise to show them a way to have what they want.
Leveraging an entire career of financial planning, Michael shows the owners of private corporations and affluent families how to take control of their financial risks, minimize their tax exposure, plan for wealth transfer between generations, and protect their businesses and families all along the way.
Although you’ll find that Michael has a very easy way about him and connects with people quickly, you’ll also notice how seriously he takes his work. Michael has qualified for the industries prestigious Million Dollar Round Table for the past 13 years, and for the past 4 years has qualified for the Top Of The Table. To put that in perspective, this global organization of financial advisors has hundreds of thousands of members, and less than .5% of them meet this level of performance. Michael is literally one of the best in the world at what he does. He also holds the rare designation of Trust & Estate Practitioner, along with the highest honours and recognition that can be awarded to a Life Underwriter. When Michael speaks of “world class”, it’s not an expression to him, it’s a work day.
- B.A. (Honours Chartered Accountancy Studies) University of Waterloo - 1989
- Chartered Accountant - 1991
- Chartered Financial Planner – 1998
- Trust and Estate Practitioner - 2000
Nick applies some of the most advanced thinking on tax minimization and optimization to the situations of affluent families and the owners of private corporations. As a matter of fact, he has refined it to an art.
While there are all kinds of clumsy ways to struggle against tax, Nick brings skillful and elegant approaches that surprisingly meet both the scrutiny of the Canada Revenue Agency and the desires of his clients.
Perhaps that’s why he’s a frequent speaker at the Strategy Institute, or why Talk 640 invites him to speak on “Canada’s Money Show”. But more likely it’s because he’s dedicated his entire career to understanding the advanced nuance of tax-efficiently moving wealth in Canada. Whether a client is simply dealing with large earnings, or is planning inter-generational wealth transfer, or is trying to devise a strategy that will serve as their legacy in the future, Nick is able to work with his clients’ lawyers and accountants to create reliable, measurable, and ethical approaches to tax deferral and tax optimization.
A lifelong resident of Toronto, Nick earned his Chartered Accountant designation in 1991 as well as completing the CICA In-Depth Tax program. He has gone on to also receive the unique Trust & Estate Practitioner designation and is a member of the Society of Trust & Estate Practitioners. When London Life/Great West Life originally formed its Tax & Estate Planning Group, Nick was the first person they brought on to the team. Since that time, Nick has received his Chartered Financial Planner designation and has worked with a diverse range of affluent clients to support them in achieving their goals.
Most owners of private corporations like to have a bit of a “secret weapon” on call to support them. Clients who work with DiBrina Sure Financial Group have access to a whole team of those “secret weapons” – Nick is one of them.
Before joining DiBrina Sure Group, Tim was a group insurance and retirement manager in both Northern Ontario (Sudbury, Kirkland Lake) 1988-1994, and Southern Ontario (Whitby, Toronto) 1994-1996. He was a group insurance consultant with PPI Financial Services in Toronto 1996-1997. Most recently Tim was senior consultant with Reservoir Group in Toronto 1997-2005.
Tim has since joined DiBrina Sure Group as Managing Partner of the Employee Benefits division (DiBrina Sure Benefits Consulting Inc.).
Tim has focused and become an industry leader in working with employer's to preserve company benefits for their employees today and in the future. Tim's passion for putting clients in the driver seat has ensured that benefit costs have remained at the lowest levels possible in the industry.
An active member in the community Tim is a volunteer with Willowdale Hockey and Lacrosse as well as a Children Liturgist St. Gabriel's Parish.
Tim is located at the Toronto office of Dibrina Sure Group.
Guy is a graduate of the University of Montreal in 1968. He joined London Life that same year as a group sales representative in Montreal. In 1969 he became group manager in Northeastern Ontario, responsible for the Company’s corporate clients in the Timmins to Val d’Or corridor, developing one of the largest and most successful territories in the country.
In 1982, he was assigned to assume the leadership of London Life’s group operations out of Sudbury for all Northern Ontario and Northern Quebec. His responsibilities included the hiring, training and development of group benefits managers.
In 1997, he created St. Georges Benefit Consulting Inc., a corporate benefits practice focused on large enterprises in Northern Ontario. In 1999, he merged his practice with Sure Benefits Consulting Inc., in association with DiBrina & Associates Financial Services Inc.
He is past president of Rotary, past chair of FLAC of Kirkland Lake Separate School Board and Northern Colleges, past president of Minor Hockey.
Guy holds several professional designations in his field of work. He is CLU, Chartered Life Underwriter, a designation awarded to established life insurance professional with a solid track record who can deal in most fields of life and health insurance and who have successfully studied 12 core University courses and successfully passed the exam.
Guy is also a CFP, Chartered Financial Planner, financial planning is becoming more accepted as a necessary skill expected by the consumer. The CFP designation is indicative of the graduate having successfully completed extensive studies in this area. There are five courses immediately following the IFATC program. Together these eight courses lead to the CFP designation.
Guy holds the Ch.F.C. designation, Chartered Financial Consultant and also is a licensed Mutual Fund licensee. He has successfully completed courses in the School of Group Management with the LIMRA (Life Insurance Marketing and Research Association) in Hartford, Conn. He has attended several management development courses such as “Managing Interpersonal Relationships” through the Wilson Learning Institute and others.
His main focus and area of expertise has the Group Benefit and Group Pension business, particularly with medium and large organizations in Canada and the United States. As a completely independent consultant, Guy has access to all market sources as a recognized professional broker/consultant.
Diego graduated from Laurentian University in 1984 with an honors degree in economics. His career started with a banking position in Toronto at Canada Trust. He quickly moved up the ranks holding a managerial position within 2 years.
Prior to joining IPC Securities, Diego held several senior positions with the TD Bank. These positions included managing the sales force at its main TD retail branch as well as the role of Manager Professional Banking. In the role of Manager Professional Banking, he specialized in providing investment advice to the professional clientele of the branch.
During his time at the TD Bank, Diego was a member of a national integration team that helped TD and Canada Trust. As an integration conversion leader he was required to go across the country training and coaching his team in each of the 4 regional phases. The TD Canada Trust merger was the largest integration of financial institutions in Canadian History.
Diego has successfully completed his CSC (Canadian Securities Course), PFC (Personal Financial Counseling) as well as his SFC (Specialist Financial Counseling).
In the fall of 2001, Diego was recruited to head up the Wealth Management arm of the firm. His role is to deliver sound advice to the firm’s Pension clients concerning their individual and group wealth strategies as well as group pension plans
Aurel Malo is an experienced senior manager with an extensive background in all facets of Human Resources management, labour relations, negotiations, and administration. Aurel has held senior positions with the Sudbury Regional Hospital as Vice President of Corporate Services with responsibility for all aspects of Human Resources and Support Services, and with the provincial Ministry of Northern Development and Mines as Senior Manager of Human Resources. He possesses strong Human Resources and business knowledge, skills and abilities. He has led several complex system changes, including several components of the merger of the three acute care hospitals in the Sudbury Region.
Aurel has worked at a strategic level developing community wide recruitment and retention initiatives for health care professionals and led several strategic and business planning processes.
Aurel has worked as a strategic advisor and contributor to Senior Management Teams and has provided advice on matters related to human resources, labour relations, strategic planning, and French Language services, to various Boards of Directors.
Some of his accomplishments include:
- Led the development of a new salary administration program for all non-union employees at the Sudbury Regional Hospital. Highlights of the program include a competency-based level of work architecture for all management employees with linkages to pay for performance, leadership developments and succession planning.
- Led the Sudbury Regional Hospital's Business and Strategic Planning processes with Board of Directors and Senior Management Team.
- Chair of the Sudbury Human Resources Action Group responsible for developing and implementing city/region-wide recruitment and retention strategies for attracting and retaining health care professional for the City of Sudbury.
- Successfully negotiated the consolidation of 19 collective agreements to four (4) resulting from the merger of the three Sudbury hospitals. The negotiations involved the Ontario Nurses Association (ONA) the Canadian Union of Public Employees (CUPE) and the Ontario Provincial Service Employees Union (OPSEU).
- Member of the Ontario Public Service employer team for central negotiations with the Association of Management and Professional Employees of Ontario (AMAPCEO).
- Represented several different employers as Chief negotiator for collective agreement bargaining.
- Member of several focus groups responsible for providing advice and developing the Ontario Public Service and Ontario Hospitals Association negotiation strategies. Member of the Ministry of Northern Development and Mines Head Office recruitment team during relocation from Toronto to Sudbury (over 300 vacancies).
Aurel holds a CHRP (Certified Human Resources Professional) designation as well as an advanced Certificate in Alternative Dispute Resolution. He is also fluently bilingual.
Jeff St Cyr is the former President of St.Cyr & Associates – Group Benefits Division and recently became the newest Partner in DiBrina Sure Benefits Consulting Inc, following a merger in the summer of 2011.
Jeff is a Registered Employee Benefit Consultant (REBC) holds the Group Benefits Associate designation (GBA) and Retirement Plans Associate (RPA) designation, and is currently working towards his Certified Employee Benefit Specialist designation.
Jeff has built extensive experience in managing benefit programs in the mining sector over the years within companies located across the country. With over 20 years of experience in the Insurance Industry, Jeff positioned St.Cyr & Associates as one of the leading brokerage firms in Northern Ontario with strong relationships within more than 30 major Canadian and International Insurance Companies. He has successfully created an array of branded Group Benefit Products, including a Special Risks Long Term Disability program that focuses on the needs of the blue collar industry. Jeff now brings this expertise to the DiBrina Group.
Jeff prides himself on building a company that is able to provide sound professional advice along with outstanding personal service.