Probability of Disability prior to age 65

Ricardo Ardiles, a distinguished alumnus of the University of Waterloo and Wilfrid Laurier University, is a Certified Financial Planner and Chartered Investment Manager. As Co-founder and Partner, President at Pharma & Dental Tax Accounting Inc., and Senior Investment Advisor at IA Private Wealth Inc., he specializes in tailored financial solutions for pharmacy and dental sectors. Ricardo, affiliated with esteemed organizations, is passionate about continuous learning. Beyond finance, he enjoys soccer, golf, and travel. Ricardo's career boasts consistent growth, marked by a 50% year-over-year increase and being #1 in Insurance sales in Canada in 2021. His advice to professionals: invest in yourself and focus on working on the business.