Micheline joined Customplan in 1994. She is both a Senior (Managing) Partner and an independent advisor. Micheline works in conjunction with several insurers, and their respective underwriters (and reinsurers) and is a consulting resource for advisors, institutions, HNW and corporate clients. She has grown her practice and that of others by focusing on intellectual interplay and the collaboration of specialist expertise. She structures creative, cost and tax-effective risk mitigation strategies for clients and plays an integral role in achieving solutions for those deemed difficult to insure.

A noted speaker, Karl has spoken on 5 continents at both industry and non-industry symposiums and was the longest-standing moderator of the Life Underwriters Association now known as Advocis. He has addressed universities, charities, trust departments, professional associations and even grade 4 students. Professionally, he concentrates on estate and succession planning techniques for both businesses and individuals. Karl is a trainer and educator of insurance professionals and financial advisors. Karl was one of the original 7 founding managing partners of the national producer group, Equinox Financial Group Inc., and was awarded the managing partner of the year 3 times. Karl is the president and founder of Customplan Financial Advisors Inc., the largest independent financial planning firm in the GVRD (Greater Vancouver Regional District). He has recently completed his 100th associate transition plan. Karl was also a founding member of the Canadian Association of Independent Life Brokerage Agencies.