I met Karen several years ago and am so grateful for her services. She is knowledgeable about all things in special needs financing which made the process of understanding next steps so easy. Her team is incredibly organized, punctual and responsive. But the real reason to connect with Karen as a financial advisor for your special needs family is because she is compassionate, kind and she leads with her heart. She understands first hand the struggles that many families face in getting services and finding their way through the web of paperwork and applications. She made everything easy for me and also my autistic adult son. When he has a financial problem she takes his phone calls and helps him personally. Karen is a gem and a support your want in your back pocket for those hard conversations about money, supports for you child now and planning for when you are gone. Karen gets it, she listens, she responds and I guarantee you will feel secure knowing she is taking care of the finances.

We initially met Karen during one of her Special Needs seminars back in 2016, as we have an autistic adult son. We've dealt with her (plus the staff at Spectrum Financial Services) ever since, not only having Karen set up & manage an RDSP for our son but opening RRSP accounts (as well as life insurance policies) for ourselves. We've exposed our younger son to our conversations & brought him along to meetings and he, too, has now set up investments through the office! Karen's detailed knowledge, calm demeanor and continued patience with us truly speak to the type of person she is. Our questions (sometimes the same ones again & again!) are answered in a timely manner, there is no judgment about our situation and thus we feel very comfortable speaking with Karen about private financial matters. We would highly recommend Karen's expertise in all things financial (and in particular, Special Needs planning); attend one of her seminars and you'll come to know Karen the way we do; not just a financial planner but also a friend!

I have sent numerous clients to Karen Roy over the years who were in need of special planning and weren't being properly served elsewhere. She is a compassionate intellect and everyone I have referred has told me they are very pleased to be working with her. She goes above and beyond for her clients, many of whom did not know what they did not know and were overjoyed by the opportunities she was able to provide to them. I am happy to have her on my roster as one of my preferred referrals.

My husband and I have had the pleasure of working with Karen Roy for several years. Karen has a wealth of knowledge regarding a special needs child. She understands that the special needs family dynamics can be quite different than other families, as are our financial requirements. Karen has helped us plan for our future and for the needs of our developmentally delayed son. In particular, her understanding of the Registered Disability Saving Plan (RDSP) was most helpful. We had spoken to other financial advisors/bankers over the years who were not as knowledgeable as she is. Karen truly cares about her clients. She does regular check ins, sends out a regular newsletter and is there when you call with a question. We can rest easy knowing our financial needs are being met and we are setting our son up for a stronger financial future. I feel truly blessed for having her in our lives.

In working with Karen, I have found her to go above and beyond my highest expectations. Her knowledge with regard to people with special needs, the tax benefits available to them and how to look after their future is 2nd to none. She is also really nice!