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    <loc>https://www.baywealth.ca/about</loc>
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      <image:title>About - Alex Frankland BBA, CFP® Certified Financial Planner</image:title>
      <image:caption>Alex is passionate about financial planning and investment management. The best days are when you know that you have relieved financial stress from someone’s life and really put them in a better position moving forward. It’s quite simple, let’s make your money do more, no matter how much you have. He lives in Hammonds Plains with his wife, Anjelica, and their children Levi and Myles. His other passions include golfing, playing hockey, and coaching both hockey &amp; baseball. Basically, anything that involves his two boys Levi &amp; Myles. Alex holds the Certified Financial Planner (CFP) designation and has close to 15 years of experience in the financial services industry. During his tenure 5 of those years were spent in a management role with Canada Life helping to advise and train new and upcoming advisors in all of Nova Scotia. In 2022 Alex was awarded the Community Builder Award from Canada Life for volunteer work within his community. Alex has also volunteered and been a part of Futurpreneur, an organization that helps mentor new business owners in the Halifax area. He has helped them with business planning and offered personal and business guidance on how to start and succeed with a new business.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/615f7d9470026d17246cc2dd/3d9b478a-93e7-4451-b7e1-dfacbf053176/BayWealth-Headshots-01-Paul.jpg</image:loc>
      <image:title>About - Paul Herron CLU, Ch.F.C., Certified Financial Planner</image:title>
      <image:caption>Originally from Calgary, Paul moved to the east coast in 1983 where he currently resides with his wife Shelley and their 5 children. He's a lifelong hockey player, including playing 4 years with the Dalhousie University Men’s Hockey team and being named Captain in 1986. He also has a passion for squash &amp; golf. Paul has been in the business for 35 years. In June 1987, his career started as an advisor at London Life. He incorporated his own company, Herron Financial, in 2013. Paul received his CLU and Ch.F.C. in 1995, and CFP certification in 1997. He is a Life &amp; Qualifying Member of MDRT, as well as a member of Advocis &amp; CALU. He works primarily with business owners and professionals in helping them craft their retirement income plans while remaining focused on his personal motto, “Spend your best money during your best years!” The key to this strategy is tax. Tax effective withdrawals in retirement are vital and enable you to put more money in your pocket while paying fewer taxes. His unique approach is to help business owners and incorporated professionals invest their corporate retained earnings in a 100% pure tax shelter (ITA sanctioned). He'll help you extract this cash, if properly structured, tax-free during your retirement years. Knowledge is power!</image:caption>
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      <image:title>About - Rudy Allen Bcomm., Financial Security Advisor</image:title>
      <image:caption>Born and raised in Falmouth, Nova Scotia, Rudy currently resides in Sydney River, NS with his wife Paula, and toddler son Quinton. Rudy completed his Bachelor of Commerce Degree Co-Op Program from Dalhousie University with a focus on finance and marketing. Given his outgoing personality, working with people on a personal level and applying his passion for finance made financial advising a natural fit after graduation. With nearly a decade of financial advising experience, Rudy has enjoyed building his clientele in the business owner, family, and dentist segments. Rudy understands that life is far from predictable in both fortunate and unfortunate ways. He helps bring these scenarios to the forefront of client meetings to make sure he and his clients are aware and prepared for whatever situations life may throw their way. When not helping the financial well-being of his clients, Rudy can be found spending time with his family exploring Cape Breton Island, golfing, or at the hockey rink. “It is my responsibility to provide my clients with the knowledge, understanding and services for them to make educated decisions about their financial well‑being.” –Rudy Allen</image:caption>
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      <image:title>About - Patricia Murray Executive Assistant</image:title>
      <image:caption>Bay Wealth is thrilled to have Patricia joining us and share her knowledge from her 40 years of administrative experience in the insurance industry. Patricia, who is originally from beautiful Parrsboro on the Bay of Fundy, is now a long-time Haligonian. She enjoys travel, gardening and quilting and has volunteered for several local organizations. She values her relationships built with clients and advisors and does a fabulous job of supporting them. Patricia looks forward to working closely with Bay Wealth clients and their families.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/615f7d9470026d17246cc2dd/ddd24a3f-e2c5-4787-bab2-f60552fa5174/BayWealth-Headshots-01-BryanFryday.jpg</image:loc>
      <image:title>About - Bryan Fryday Bcomm., Financial Advisor</image:title>
      <image:caption>Born and raised in St. Margaret’s Bay, Nova Scotia, Bryan has dedicated himself to guiding families and business owners through the complexities of wealth management, tax strategies, and financial planning. Bryan's journey into finance began at St. Mary’s University, where he earned a Bachelor of Commerce with a major in Finance. Driven by his innate desire to make a positive impact, Bryan transitioned seamlessly into the role of a Financial Advisor upon graduation. Now, with over 9 years of industry experience, Bryan specializes in crafting tax strategies and financial plans tailored to his clients’ unique aspirations and values. His mission is to offer clarity, instill confidence, and foster peace of mind as clients navigate the realm of wealth management. Throughout his career, Bryan spent 5 years in a managerial capacity with Canada Life, where he not only advised but also inspired and trained Financial Advisors across the Atlantic Canada region. Continuously striving for excellence, Bryan is currently pursuing his Certified Financial Planner (CFP) designation, a testament to his unwavering dedication to his craft and clients. In the words of Robert Kiyosaki, "It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for." Let Bryan be your guide on this journey of financial empowerment. As your trusted partner, Bryan places utmost importance on integrity, transparency, and accountability. Together, he collaborates with you to chart a course towards financial independence and prosperity, not just for today, but for generations to come. Alongside his professional pursuits, Bryan finds joy and fulfillment in an active lifestyle, indulging his passions for sports, traveling, charity work, and the great outdoors.</image:caption>
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      <image:title>About - Shelley Comeau Administrative Assistant</image:title>
      <image:caption>A life-long resident of Halifax, Shelley is a graduate of Mount Saint Vincent University with a degree in business administration. She also holds an advanced diploma in public relations from Nova Scotia Community College. A recent retiree from the Province of Nova Scotia, she worked for many years in senior administrative positions including in the departments of Finance, Public Works, and Internal Services. She is excited to join the Bay Wealth team to learn more about the life insurance and investment industry and to continue to build new skills and knowledge. She looks forward to assisting the team and clients in resolving day-to-day questions and concerns. In her free time, she enjoys travelling, biking, playing the ukulele, and spending time with family.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/615f7d9470026d17246cc2dd/f8896ed5-42e1-4f78-b817-6c8fafababd8/BayWealth-Headshots-01-Fallon.jpg</image:loc>
      <image:title>About - Fallon Jones Executive Assistant</image:title>
      <image:caption>Fallon lives in Hammonds Plains with her partner, Richard, and their two children, Sophie and William. A dedicated animal lover, their family includes a dog, a cat, a bearded dragon, as well as chickens and ducks. Outside of work, Fallon enjoys hunting, fishing, camping, and exploring the outdoors with her family. She holds a degree in Entrepreneurship from Saint Mary’s University. In 2011, she spent a year abroad teaching English and studying International Business at Yonsei University in South Korea. Fallon’s career began in the non-profit cancer sector, where she had the privilege of working directly with donors, sponsors, survivors, and their families. This experience deepened her passion for helping others and giving back to the community. Fallon actively volunteers on the board of the Hammonds Plains Community Centre, founded the Wildfire Support Fund following the 2023 Tantallon wildfire, and supports the Maplewood Ratepayers Association. She also helps organize the Hammonds Plains Remembrance Day Service, reflecting her love for events that bring people together. In addition to her role at Bay Wealth, Fallon assists her husband in managing the operations of his business, Gervais Custom Millwork &amp; Cabinetry. Originally from Western Prince Edward Island, Fallon spent her early years working alongside her family on their lobster boat. A dedicated lifelong learner, she embraces opportunities to grow and discover something new every day. Fallon is excited to deepen her knowledge of the financial services industry and is committed to providing Bay Wealth clients with exceptional support and service.</image:caption>
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    <loc>https://www.baywealth.ca/services</loc>
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    <lastmod>2021-12-16</lastmod>
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      <image:title>Services - “My family and I have been investing with Alex and his team for well over ten years, the service and knowledge we receive is second to none. Alex and his team are professional, friendly and always puts their clients' needs first. If you're looking for the best in the business there's no one else that I would recommend!”</image:title>
      <image:caption>— Anthony &amp; Pam Brown</image:caption>
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    <lastmod>2022-06-20</lastmod>
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