Bringing over 20 years of experience to providing you with sound, reliable financial advice to help you achieve financial independence and peace of mind.


Jason CharretteCFP®

Certified Financial Planner®

Jason was born in Woodstock, Ontario, and lived throughout Southwestern Ontario before settling in Ayr over 30 years ago. Prior to entering the Financial Services Industry, Jason graduated from Conest...
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Our Consultants


Dennis Charrette, CFP, CIM, FCSI

Financial Planner 

IPC Investment Corporation

Dennis Charrette recognizes that your circumstances are unique and that Trust is at the heart of the financial planning relationship. Trust in the planner's competence, integrity and objectivity. Trust that the planner will act first and foremost in your best interest.
In 1997, after 20 years with a major Canadian Bank, Dennis joined an independent dealer, where he could focus on building relationships, and financial plans for his clients. In 2008 his branch joined Investment Planning Counsel, and in 2012 we moved into our home in the historic Carnegie Library in Ayr. Many of Dennis’ clients have been with him over 20 years, and span multiple generations. In his efforts to ensure he provides his clients with the expertise that they are entitled to expect, Dennis has obtained the following designations: Certified Financial Planner, Chartered Investment Manager, Fellow of the Canadian Securities Institute. As a Certified Financial Planner, Dennis looks at more than just your investments, but at your whole financial picture. Developing a financial plan that addresses all the risks that affect your finances, not just those in the stock market, and is customized for your situation, whether you are an employee, a business owner, a caretaker, or a retiree. Dennis provides the planning and investment advice, as well as the implementation or execution of the financial plan.


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Lindsay Baker, BA, CFP®, TEP

Financial Planner

IPC Investment Corporation

Lindsay has achieved a Bachelor of Arts specializing in Accounting from The University of Western Ontario and has received a Post-Graduate Certificate in Financial Planning Services from Conestoga College.
She obtained her CERTIFIED FINANCIAL PLANNER® designation in January 2020. To further her education, Lindsay completed the Trust and Estate Practitioner designation in 2023. Prior to joining Ayr Financial Services, she spent 3 years working as an advisor in a major Canadian bank. Her unique educational background will serve as an asset in providing individualized advice tailored to your needs.
Originally from rural Stratford, Lindsay now lives in Kitchener with her husband and their son.

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Cathy Charrette

Event Co-ordinator

Ayr Financial Services Inc.

Cathy Charrette is the newest member of our team. Cathy is our event co-ordinator as well as our bookkeeper.

Maralyn Kublek

Licenced Assistant

IPC Investment Corporation 

Maralyn joined our team in 2008 and has more than twenty years’ experience in the Financial Services industry. Maralyn is Mutual Funds licensed with the Mutual Fund Dealers Association (MFDA) and holds her Life Insurance License under the Life Insurance Licence Qualification Program (LLQP). As a licenced assistant, Maralyn is required to stay up to date in an ever-changing industry and is continuously challenging courses within the financial services industry. In addition to the licencing requirements, Maralyn has also completed the Mutual Funds Dealer Compliance Course, The Officers’, Partners’ and Directors’ course and the Branch Manager’s Course. Away from the office, Maralyn can be found spending time with her husband, as well in the stable and at shows with Lars.

Supporting the communities within which we work


At IPC, we built IPC Cares to bring together the various efforts we make towards enhancing the communities within which we operate. By adopting causes that are close to our hearts, we keep ourselves committed and accountable.

Last year alone, as a company, we supported the aid efforts on the Fort McMurray fires, palliative care through The Healing Cycle Foundation and women and children through The Salvation Army.

Perhaps the most significant effort we undertake, and one that we believe is representative of the kind of work that inspires and keeps us committed to our Corporate Social Responsibility(CSR) efforts, is the community development project in Honduras with The Carpenteros & Friends. Last year’s project involved a group of IPC staff and Advisors volunteering their time and energy on the ground. Very little is as inspiring and rewarding as living the lives of the people you’re helping, and every one of the people who took the journey came back a changed person, even more determined to stay committed to making a difference in the world!

We also made countless small but significant contributions of our time and resources within our communities through many grassroots charities we believe in, and the ripple effects of their efforts are always rewarding.


Proud supporters of youth sports within our community