Independent insurance, tax, and investment advice for Saskatchewan families, farm families, and business owners, in plain language. Your advisor here is Derek Penner, individually licensed in Saskatchewan and based in Saskatoon, so you work with someone who lives and works where you do.
Saskatchewan clients are served by Derek Penner, individually licensed for insurance in Saskatchewan and in the industry since 2014. Derek is based in Saskatoon and works with families across the province, with a particular focus on financial planning for families living with disabilities.
Under one roof, and always working alongside your accountant and lawyer rather than replacing them:
Saskatchewan is farm country, and farm succession is its own kind of planning. Passing land, equipment, and an operation to the next generation while keeping it fair to family members who farm and those who do not takes careful coordination of insurance, tax, and estate work. It is a real Saskatchewan theme, and it is exactly the kind of coordinated planning FS² is built for. [ADVISOR TO ADD: Derek, a couple of honest lines about the farm and agricultural families you work with in Saskatchewan, and how you approach succession here.]
Yes. Derek Penner is individually licensed for insurance in Saskatchewan and has been in the industry since 2014. Derek is based in Saskatoon, so you work with a locally based, provincially licensed advisor.
No. A first conversation is a free 20 minute, no pitch consultation by phone, video, or in person, including evenings and weekends. In-person is available around Saskatoon; Regina and the rest of Saskatchewan are served comfortably by video.
Yes. Derek has a particular focus on financial planning for families living with disabilities, which can include planning around the Registered Disability Savings Plan, government benefits, and long-term care for a dependent. The starting point is always your family's situation, not a product.
Yes. Our advisors are appointed with nearly every major Canadian insurer and fund manager rather than tied to a single company's shelf. That means the recommendation is built to solve your problem, not to sell one provider's product.
This page is general information only and is not individualized financial, investment, insurance, tax, or legal advice. FS² advisors are individually licensed for insurance in Saskatchewan; the corporation is licensed in Alberta and Saskatchewan. Speak with a licensed advisor about your own situation before acting.