Our Team




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


Dennis CharretteCharrette CFP®, CIM, FCSI

Certified Financial Planner

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. Trus...
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Linda Rees

Administrative Associate

Our administrative associate, Linda Rees, is a Wilfrid Laurier graduate, who has been in the financial services industry for 20 years. Linda joined Ayr Financial in 2008, and serves our clients by pro...
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Maralyn Kublek

Branch Manager

Maralyn joined our team in 2008 and has more than twenty years’ experience in the Financial Services industry. Maralyn’s role as our Branch Manager is to ensure a high level of regulatory oversight an...
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Cathy Charrette

Event Co-ordinator

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


Jason Charrette, CFP®


Certified Financial Planner®

IPC Securities Corporation

Jason was born in Woodstock, Ontario, and lived throughout Southwestern Ontario before settling in Ayr over 25 years ago.
Prior to entering the Financial Services Industry, Jason graduated from Conestoga College after completing the Mechanical Engineering – Design Analysis program. For 18 years he was employed by a custom industrial automation builder first as a mechanical designer, but primarily as the software/program developer.

Jason joined Ayr Financial Services – Investment Planning Counsel in 2015 as an associate. In 2016 he moved into the advisor role after receiving a Post Graduate Certificate in Financial Planning Services. In 2018 Jason moved from IPC Investment Corporation, to IPC Securities Corporation and formed Ayr Financial Services Group to be able to further serve the needs of his clients.

Jason brings his attention to detail gained in his years in the engineering field, to the work he performs for his clients. Jason is licensed with the Investment Industry Regulatory Organization of Canada (IIROC) and holds his Life Insurance License under the Life Insurance Licence Qualification Program (LLQP).

Jason believes in continuous improvement and furthering his education, most recently he achieved the credential of CFP Professional ® (Certified Financial Planner), considered the gold standard in financial planning. The CFP designation is offered by the Financial Planning Standards Council and is awarded after passing the FPSC Level 1 exam, the Capstone Case Study, and the CFP examination.

Outside of the office Jason can be found in around Ayr, coaching minor hockey, playing adult recreational hockey and baseball, or spending time with his wife, and their two children.
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Susan Morton

Mortgage Agent (Lic#M11001056) Mortgage Intelligence (Lic#10428)

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