Garnet Morris
Founder & President

Garnet began his career in banking and private business, but created his own niche with Targeted Strategies Limited. An innovator with a personal penchant for taking on high-potential challenges, Garnet has an instinctive ability to recognize opportunities - even those others might consider underdeveloped or unconfirmed. His forward-thinking ideas, unconventional methods, and wealth of knowledge resonate with private business owners in helping them to optimize their net worth.

Susan Kichuk
CEO

Susan recently joined the Targeted team as CEO.  With a Ph.D. in Business, a successful academic and consulting background in the areas of Strategy and Leadership, and more than 15 years experience as a Senior Executive leading large scale strategy and business transformation initiatives,  Susan brings the skills, insight, and experience to help Targeted provide the highest possible sustainable value to clients.

Christopher Giroux
Chief Financial Officer

Chris Giroux has over 20 years of progressive experience as an accountant, manager and business leader working for a major accounting firm and most recently with a successful multi-national industrial distributor.  Chris has managed the financial consolidation of multiple business units.  He has managed and advised on many projects including business acquisition due diligence, internal controls, ERP conversions, as well as many policy and procedure matters.  

Kelly Caruk
General Counsel & Chief Compliance Officer

Kelly is an experienced legal advisor with expertise in tax planning, audit defence and tax dispute resolution.  Prior to joining Targeted Strategies, Kelly was in-house legal counsel for one of Canada’s largest publicly traded mining companies where she led a high-profile Canadian tax appeal involving billions of dollars of reassessed income.  Prior to that, she worked at one of Canada’s largest regional law firms in the areas of business taxation, estate and personal tax planning needs.  Kelly holds a Bachelor of Laws degree and a Bachelor of Commerce (double major: Finance / Business Economics) degree.

Kosta Makievski
Manager, Strategic Solutions

Kosta brings several years of experience in building and implementing advanced planning structures for business owners in Vancouver, BC. He holds a Bachelor of Commerce degree in Finance from Concordia University, and is currently completing a CLU (Chartered Life Underwriter) designation. Kosta is closely integrated with our business development and service teams where his skills and experience help design, implement and service the strategies for our clients.

Cindy Sawchuk
Manager, Special Projects

Cindy holds a Bachelor of Commerce (Finance) from the University of Saskatchewan and has been with Targeted Strategies since 1998. Cindy initially focused on loan and life insurance administration in the role of Client Service Manager. Thanks to her lengthy tenure with the company, Cindy has a profound knowledge both of the unique planning problems faced by our clients and of the market-leading solutions we have devised for them. Adept at evaluating opportunities, solving problems, and managing risk, she is responsible for the operations of SCDC.  

Sameer Chhetry
Corporate Controller

Sameer holds a Chartered Professional Accountant (CPA) designation, an MBA, and a Master of Science in Finance degree. He brings ten plus years of Financial Advisor experience from the banking industry plus four years of experience as a controller. These various roles have given him an in depth knowledge of the financial services industry and management of a team in a multi level organization. Sameer oversees the financial operations and human resources functions at Targeted Strategies.

Lisa Tourand
Head of Deal Logistics

Lisa Tourand has been with Targeted Strategies for more than 6 years, participating in almost every aspect of the organization. Originally the Executive Assistant to Garnet Morris, she has worked in both our Underwriting and Account Management teams. Her longevity and tenure, coupled with a high ability to prioritize and strategically organize information, has become a valuable asset in her new role as the Head of Deal Logistics.

Daniel Roberts
Financial & Actuarial Analyst

Daniel holds a Bachelor of Science degree in Actuarial Science from the University of ReginaDaniel joined the Targeted team in 2015 as a Financial Analyst. He brings a unique perspective to preparing customized strategies for our clients. His experience in Actuarial and Reinsurance roles in the industry have helped him develop a solid understanding of the inner workings of insurance.  Daniel has completed his Actuarial Professional Exams: MFE/F, FM/2, P/1

 

Michael Sterzuk
Financial & Actuarial Analyst

Mike graduated with a B.Admin. in Finance from the University of Regina. He progressed through various Mutual Fund and Hedge Fund accounting roles with significant time spent working in the Caribbean and USA over the course of a decade. Since returning to Canada, Mike has moved into the insurance industry with several years experience in data analysis and specialty underwriting roles. Mike is an experienced user of databases and spreadsheets and enjoys the modeling aspects of the Financial Analyst role. 

Michael Loo
Senior Financial Analyst

Michael holds a Master of Science with Merit in Mathematical Finance from the University of York. Michael’s previous experience includes financial model development for junior engineering projects and risk analysis for Alternative Investment dealers. Michael develops custom systems and solutions to support a consistent high-quality client experience.

Julie Munton
Account Manager
Julie joined Targeted Strategies in 2006, bringing twelve years of experience in the banking industry. Julie also worked in the public sector assisting with facilities and materials management at a university, and acting as customer service manager for an Internet marketing company. Julie holds a Bachelor of Commerce degree and brings her considerable experience to interacting with banks, ensuring accurate statements, and resolving any client concerns.
Donyne Tippe
Account Manager
Donyne holds a Bachelor of Commerce degree with a double major in Finance and Operations Management. For six years, she worked for one of Saskatoon's successful biotechnology firms - managing inventory, supply and demand, before coming to Targeted Strategies in 2007. Given her highly analytical nature and attention to detail, Donyne is responsible for maintaining client relationships and supports a considerable portion of our existing business.
Meagan Zimmer
Account Manager

Over the past 11 years, Meagan has gained progressive, direct experience as a senior account administrator and analyst in the banking and credit union sector. She has also provided accounting advice and direction for a large franchise business and a number of non-profit organizations. 

Meagan is currently continuing her accounting education and development, with the aim to achieve her accounting designation.

Paul Biln
Account Manager

Paul specializes in insurance based personal and corporate tax and estate planning for high net worth clients. Paul’s prior experience includes working as tax manager for a national CA firm and he  has also worked over 6 years in the insurance industry. Paul graduated from Simon Fraser University with a Bachelor of Business Administration Degree in 2002 and obtained his CA designation in 2004. Paul has also completed his In-Depth Tax Course Levels I & II. 

Cameron Gorlick
Account Manager

Cameron holds a Bachelor of Commerce with Distinction in Accounting from the University of Saskatchewan. He recently wrote and passed the Common Final Examination (CFE) earning him his Chartered Professional Accountant (CPA) designation. Cameron’s previous experience includes working for an internationally renowned accounting firm specializing in assurance services for a wide variety of corporate and individual clients. Cameron recently joined our team as an Account Service Manager due to his experience in dealing with clients and his financial background.

Colin Weinkauf
Account Manager

Colin holds a Bachelor of Commerce with Distinction in Accounting from the University of Saskatchewan and his Chartered Professional Accountant (CPA) designation. Prior to joining Targeted, his experience was in assurance and tax services with a wide variety of clients in multiple industries with one of the “Big 4” accounting firms. With a strong background in finance and a great rapport with clients Colin is a key player on the Targeted team as an Account Service Manager. 

Chris Gonari
Account Manager

Chris’ experience includes several years at Saskatchewan’s largest independent accounting firm where he spent his time working in the areas of financial reporting, taxation and assurance services for a number of clients across a broad range of industries. He holds a Bachelor of Commerce in Accounting from the University of Saskatchewan and is currently in pursuit of his Chartered Professional Accountant (CPA) designation. He recently joined the Targeted team this fall as an Account Service Manager and is eager to apply his knowledge in financial matters to help service the complex needs of clients.

Jaryd Runquist
Account Service Representative

Jaryd holds a Bachelor of Commerce with Distinction in Accounting from the University of Saskatchewan. Prior to joining the Targeted team, he worked at a local renovation company as a salesman where he sold over a million dollars worth of product while attending University. With a desire to learn, strong communication skills and a robust financial background, Jaryd provides an excellent combination for supporting his colleagues and clients as an Account Service Representative.

Braden Kinch
Account Service Representative

Braden holds a Bachelor of Commerce with Distinction in Finance from the University of Saskatchewan. Prior to joining the Targeted team, he worked for a financial group assisting in financial and tax strategies as well as conducted retirement planning and portfolio analysis for business owners and individual clients. With his financial background and strong communication skills he is excited to contribute to the Targeted team in his role as Account Service Representative.

Daniel Ostertag
Account Service Representative

Daniel recently graduated from the University of Saskatchewan and holds a Bachelor of Commerce Degree with Distinction in Finance. Daniel played for the University of Saskatchewan Huskie basketball team and was a two-time Academic All-Canadian. Daniel has retail experience in the clothing and fitness industries and is now excited to start his career at Targeted Strategies Limited as an Account Service Representative.

Brennen Beuker
Account Service Representative

Brennen holds a Bachelor of Commerce with Great Distinction in Finance from the University of Saskatchewan. Prior to joining the Targeted team, he helped manage and operate a business in the agriculture industry. He gained valuable insight into sales, customer relationships, marketing, and small businesses as a whole.  Brennen is eager to learn and succeed while working as an Account Service Representative. 

Samuel Garnet
Account Service Representative

Samuel is near to hold a Bachelor of Science in Economics from the University of Saskatchewan. He has interned with the Targeted team for three years while attending school.  This has given him a great base to work with as he begins his career with Targeted Strategies. He is excited to apply his talents as an Account Service Representative and where ever else they are needed. 

Shannon McNeice
Underwriting Associate
Shannon completed her Bachelor of Commerce degree and has spent the past 10 years working in the banking sector and as a financial and operations consultant to small and medium-sized businesses. Shannon joined Targeted Strategies in 2014. She brings with her a lengthy background in lending and is highly skilled in managing a wide variety of client needs and relationships, particularly for privately-managed firms.
Sherry Edwards
Underwriting Associate
Sherry joined Targeted's Client Services group in 2015, bringing her considerable experience in customer relations and project management from 20 years spent in the telecommunications and health care industries.  A displaced Texan, Sherry came North for the climate and stayed for her love of the country and its people.  With a tenacious work ethic and stick-to-it-tive-ness in the face of a challenge, y'all can trust in her ability to ensure our clients receive the highest level of customer service and to resolve any issue that dares tangle with her.
Margaret Betker
Underwriting Associate

Margaret joined Targeted Strategies in 2018 and brings with her 15 years of life insurance experience, and over 20 years of customer service experience. Margaret’s extensive insurance history includes working in the home offices of life insurers in both the US and Canada.

With a background that includes both individual life and group insurance underwriting, Margaret possesses strong risk assessment skills, the ability to manage complex caseloads, and expertise in life insurance administration.

Marina Chakharian
Underwriting Associate
Having joined Targeted in 2016, Marina is a graduate of Business Administration (Marketing) from Dawson College in Montreal and brings with her 15 years of marketing experience.  From collateral to communications and from direct sales to consulting, Marina has developed a broad marketing base and, along with Garnet and the rest of the team, is focused on growing Targeted in innovative ways to maintain our unique and unparalleled position as a thought leader in our industry.
Josh Polglase
Treasury Management

Josh graduated from the University of Wollongong with a B.Comm majoring in Finance and Economics while also having completed finance industry accreditations for advice in equity and derivative products.  He has spent 11 years working in financial markets for publicly listed banks and financial institutions. During this time he has implemented and developed trading desks and financial market systems in equities and derivatives. Josh has progressed to roles in financial market operations, working for retail and institutional banking in the areas of settlements and risk. Josh has extensive experience managing front office teams and has been responsible for client relations management and solutions, providing exceptional service and standards to high net worth clients. 

Monte Gorchinski
Special Projects

Monte brings senior level business advisory experience working through analysis of financial information with business owners and senior management and leading to a focus on their specific questions, options and solutions for decision and action.  He has a CA, CPA designation from Chartered Professional Accountants Saskatchewan.  Monte works helps guide and mentor our internal team members to provide a consistent standard of quality and service delivery for our clients.

Tracy Glover
Senior Financial Administrator
Tracy has over 15 years of progressive accounting experience in various industries including construction, mining, retail and public accounting. She has held roles such as Corporate Controller, Assistant Controller and Senior accountant. She has experience in multiple jurisdictions including England, and the United States. Tracy’s varied experience brings strength to the finance team at Targeted Strategies
Renae Simpson
Executive Assistant

This exuberant professional is detail oriented, highly organized, and effectively coordinates in a fast-paced environment. Renae recently joined Targeted Strategies in November 2017 and brings with her 16 years of professional, accounting & administrative experience in a multitude of industries including natural resources, retail, and the public sector. This diverse experience has helped her hit the ground running in successfully supporting the Targeted Strategies team.

Elise Michalenko
Executive Assistant

Elise Michalenko recently joined Targeted Strategies after working over half a decade doing sales, training and executive recruitment with a global agency in Saskatoon and Vancouver.  She is completing the Business Administration Certificate at the University of Saskatchewan, Edwards School of Business and currently supports the CEO of Targeted Strategies as Executive Assistant among other projects within the organization.

Sarah Laing
Support Assistant

Sarah joined the Targeted team in December 2017 as a Support Assistant. She earned a Bachelor's degree in Linguistics from the University of Saskatchewan and has previously worked as a technical editor. At Targeted, she assists account managers and underwriting complete paperwork in a timely manner. Her attention to detail and experience in editing helps ensure accuracy and thoroughness.

Jai Budhanlall
Executive Assistant
Jai has travelled from South America to Europe earning her Business Administration Certificate in Germany.  She brings over two decades of experience to Targeted Strategies having worked in various Managerial and Executive Assistant roles, including managing her own business in the Caribbean
Karina Franklin
Analyst, Legal & Compliance

With training and nearly a decade of experience as a paralegal, Karina brings her professional manner, strong attention to detail and affinity for organization to her role as an Analyst in Legal and Compliance.  Having joined Targeted in 2015, Karina initially assisted with underwriting activities such as managing our sales pipeline but has recently moved to our growing legal department. 

Stephanie Tynan
Internal Legal Counsel

B.A.(Phil.)’91; LL.B. ’91; Former partner at Mcdougall Gauley Law firm. Area of practice: Corporate/Commercial. Extensive involvement in Canadian Bar Association. Former sub-lieutenant, Canadian Armed Forces, Naval Reserves.

Eddie Pal
Senior Advisor (Ontario)

With a Masters in Mathematics and a Chartered Accountant designation, Eddie has served in an advisory capacity to clients in a wide range of private sector industries, specializing in multi-generational businesses.  Over the past 20 years, this former senior partner at Deloitte has helped numerous business owners achieve their objectives using creative life insurance tools to minimize effective taxes and thus maximize wealth.  A licensed insurance advisor in Ontario, Eddie has been working in collaboration with Targeted since 2013 to bring his expertise to new clientele.

Rob Orr
Advisor
Rob Orr CPA, CA, CMC knows first-hand what and who it takes to grow successful companies. With 30 years as a trusted advisor to the C-suite, Rob has served organizations across a broad spectrum: entrepreneurs, mid-market companies, and industry leaders such as Coca Cola, Caterpillar, General Motors, Mannheim, MGM, Bank of Montreal, Royal Bank of Canada and Quest.
Rob’s experience includes growing an accounting firm into one of the largest firms in the mid-west, becoming a successful agent for professional NHL hockey players, and starting and selling a number of businesses in both the U.S. and Canada.
Rob has also served on numerous corporate, government or standard setting Boards, including the Accounting Standards Board, the CMA’s National Board and the Budget Analysis Committee, as well as SEDCO and various corporate Boards.
This very rare mix of experience and insight has helped Rob’s clients in creating strategy and guiding them through the alignment and implementation phases of the process.
Chad Croteau
Advisor
Chad spent over 15 years in both analytical and managerial roles in Supply Chain, Operations and Finance in the Energy and Manufacturing sectors in Calgary before joining our team in 2016.  With his broad and senior experience, Chad is able to use his expertise and analytical acumen to adeptly assess ways in which clients may benefit from a targeted strategy to suit their estate and business succession planning needs.  An MBA graduate of Queen's University in Kingston, Chad is life licensed in the province of Alberta.
James Orr
Advisor

James has 9 years of experience in the accounting world, working both in public practice and industry.  James earned his Chartered Accountant designation articling with a Big 4 firm in Vancouver where he worked for over 3 years servicing a variety of private and publicly traded clients in the mining, manufacturing, forestry and insurance industries.  He subsequently worked for a local firm in Saskatoon for 9 months, where he focused on the needs of owner-managed businesses. Most recently, James worked for a publicly traded power generation and marketing company in Calgary in their Energy Trading and Marketing group for 4.5 years where he built on his technical accounting knowledge and worked in a management capacity overseeing a team of 6 people. James is currently enrolled as a 2018 Level 3 CFA Candidate. He aspires to earn the CFA designation in an effort to complement his current credentials and add value to the firm’s clients.