Financial Services

219 Main Street Suite 103, Antigonish, NS B2G 2C1


Mutual fund products are offered through Investia Financial Services Inc.

Chad Relf
Chad RelfFinancial Advisor
Direct Line in Nova Scotia: (902) 863-5081
Direct Line in Ontario: (416) 910-1089
Gerard KennedyFinancial Advisor
Irwin Cleaner CHS, EPC
Irwin Cleaner CHS, EPCFinancial Advisor
Direct Line:

I have been in the financial Service industry for over 20 years specializing in income replacement. When I am not working I enjoy spending time with my wife, traveling, and harness racing. It is a privilege being associated with A.A.Munro insurance.

Chris Palmer
Chris Palmer Financial Advisor
Direct Line: (902) 300-0877

I have been in the financial services industry since 1998. Continuous education and training, along with the ability to do business with various companies, has placed myself and my clients in a good position with our risk and asset planning. I am in involved at the community level in various charities and organizations and I have a strong passion for music and with my gospel group I perform throughout Western Nova Scotia.

Steve Lane
Steve Lane Financial Services Advisor
Direct Line: (902) 893-2569

Steve has been in the financial services industry since 1995. He specializes in helping his clients understand the advantages and disadvantages of mortgage insurance protection. Steve enjoys spending time with his family and participating in a game of golf or hockey. He also volunteers on the board of directors for the VON Canada Colchester East Hants.

Mike Ross
Mike RossFinancial Services
Direct Line:

Mike has been in the financial services industry since 1997. He focuses on the family market using a unique planning system to help his clients reach their “full financial potential”. His broker contract through AA Munro gives him the flexibility to work with most companies to fit each client’s individual situation.

Mike has been working and volunteering with hockey teams at different levels for over 25 years as head and assistant equipment manager with the Halifax Citadels, Dalhousie Tigers, and currently assisting with the Halifax Mooseheads. He lives in Bedford with his wife Maureen.

Michael Fralick B.Comm, CIP
Michael Fralick B.Comm, CIP Financial Advisor
Direct Line: (902) 293-6400

Mike has been working in the Financial Services Industry since 1991 and is currently the President of Fralick Financial & Insurances Inc. as well as a Partner and managing director of Premiere Capital Group. Mike received his Bachelor of Commerce Degree from Saint Mary’s University. Mike is very active in many professional associations acting as President and Vice President in many of these, he is also an instructor for the Insurance Institute of Nova Scotia. Mike is also very involved with the local community currently acting as Treasurer of the Landscape NS Association an is an active member in Waste Water Society of NS (WWNS) as well as the Restaurant Association of NS (RANS). When not working and volunteering Mike enjoys to spend time with his wife and son. He also enjoys outdoor activities such as boating, fishing, hunting and golfing.

Tom Moriarty
Tom Moriarty Financial Advisor
Direct Line: (902) 527-0554

I have been in the Insurance industry for 15 years and a self-employed business owner for 20 years before that. I deal with all products in the Life Insurance and Investment Market. I have become more involved in Group Benefits and Group Pensions over the years. With the individual Medical Travel Insurance becoming more complicated, I have developed a keen interest as a resource person for AA Munro Insurance Clients to ensure all their Travel Medical Insurance needs are meet properly. I enjoy a relaxing game of golf, hiking and watching most sports (especially Rugby). I enjoy volunteering for various groups such as the Cape Breton Fiddler’s Run Committee. Anywhere around the ocean, scenic wilderness and/or Florida are the place I strive to spent my spare time.

Allan Bryden
Allan BrydenFinancial Advisor
Direct Line:

Allan was born and raised in Sydney and started his career in the Financial Services Industry in 1977 starting with London Life first as a representative and later as Sales Manager. In 1990 Allan became an independent broker co-founding Custom Employee Benefits. Allan is past President and executive member of Advocis, Cape Breton Chapter. Allan has also served as a director with the local United Way. Allan specializes in Employee Benefits and insurance as well as Financial Planning for professionals.

Dan C. MacNeil
Dan C. MacNeil Financial Advisor
Direct Line:

Dan was born and raised in Sydney and started his career in Financial Services with Sun Life in 1990. After a 20 year career with them advising over 1800 clients across Nova Scotia he became an independent broker co-founding Custom Employee Benefits. Dan is and has been very involved in both his professional community as well as the local community acting as executive member and president of numerous committees and Associations. Dan specializes in employee benefits consulting, drug and dental benefits and group RRSPs.

Theresa Atwell CAIB (Hons)
Theresa Atwell CAIB (Hons)Personal Lines Broker / Financial Services Broker
Direct Line:

I have worked in the insurance industry since 2010. I have a diverse background ranging from selling real estate to computer programing. Being computer savvy gives me an edge when it comes to keeping up with the latest products and services available to my clients. I love the Annapolis Valley and would never call anywhere else home. I grew up in Upper Canard and still live there today. In my spare time I enjoy reading, singing and playing guitar – especially around the campfire.

Bill Hull
Bill Hull Financial Advisor
Direct Line: (902) 863-4277

I started in the Insurance Industry in Newfoundland in 1978. My family consists of my wife, 3 children and 7 grandchildren! My passion is my grandchildren and all their activities. I have volunteered with the local branch of the Arthritis Society for 10 years as President and 5 years on the provincial board. I have also served on the executive of the local Royal Canadian Legion.