Build Your Future With Confidence.
Helping you build confidence in your financial future.
Meet Olivia Latam
Life & Investment Insurance Advisor – Godfroy Financial Group
Olivia works with individuals and families who want to build stronger, more secure financial futures. With a relationship-first approach, she provides clear, practical guidance on life insurance, investment planning, retirement strategies and income tax returns. Her goal is to simplify financial decision-making so clients feel confident at every stage—whether they’re starting out, growing their wealth, protecting loved ones, or preparing for retirement.
In addition to her work with individuals, Olivia also helps small business owners align their personal and business goals. She offers customized solutions for organizations without built-in pension or benefit plans, ensuring owners and their employees have access to meaningful, long-term financial strategies.
What Olivia is known for:
- Straightforward, friendly advice
- Personalized insurance, investment, and retirement planning for individuals and families
- Tailored solutions for small businesses
- Access to industry-leading insurance, investment, and retirement tools
- A commitment to helping clients minimize taxes and maximize long-term financial health
RRSPs Made Simple
RRSPs can be one of the most effective tools for building long-term financial security—but only when they’re used strategically. Olivia helps individuals, families, and business owners understand how RRSPs fit into their overall financial picture, offering guidance that’s easy to follow and tailored to their goals. From choosing the right type of RRSP to maximizing contributions for tax benefits, she ensures clients get the most out of their retirement planning.
And because taxes play a major role in RRSP decisions, Olivia also offers personal income tax services, giving clients a complete, integrated approach to planning and filing.
Why RRSP Planning Matters
- Reduce taxable income through strategic contributions
- Build long-term retirement savings with tax-deferred growth
- Balance RRSPs with TFSAs and other investments for maximum efficiency
- Create financial security for yourself and your family
- Prepare for retirement with clear, customized strategies
RRSP Options
- Individual RRSP planning for any stage of life
- Spousal RRSP strategies to even out retirement income
- RRSP vs. TFSA guidance for tax-smart investing
- Retirement income planning through Godfroy Financial’s integrated approach
- Income tax preparation and planning to support contribution decisions
- Group RRSP solutions for small businesses
Retirement Planning You Can Trust
Preparing for retirement can feel overwhelming—but it doesn’t have to be. Olivia provides clear, personalized guidance that helps individuals and families understand their options, set realistic goals, and build a retirement plan that truly supports the life they want.
Olivia helps clients:
- Determine realistic retirement timelines
- Understand how CPP, RRSPs, TFSAs, OAS, and personal pensions work together
- Build income plans that last throughout retirement
- Reduce tax burden through smart contribution and withdrawal strategies
- Protect wealth and ensure smooth transitions for future generations
Whether you’re catching up, getting ahead, or starting fresh, Olivia creates a retirement strategy you can feel confident about—one that grows with you as life evolves
Investment Solutions
Investments Designed Around Your Goals
Your financial plan should grow with you. Olivia helps clients make informed investment choices based on risk tolerance, life stage, and long-term objectives.
Areas of Focus
- Long-term growth portfolios
- Tax-efficient investing
- Savings plans for major life milestones
- Goal-based investment options
Olivia provides ongoing support, clear portfolio explanations, and a plan tailored to the comfort level of each client.
Life Insurance Made Personal
Life insurance isn’t one-size-fits-all. Your goals, your family, and your responsibilities are unique—and your coverage should reflect that. Olivia helps individuals and families understand their options and choose protection that feels realistic, reliable, and aligned with their long-term plans.
Olivia helps with:
- Term life insurance
- Whole life and permanent insurance
- Family protection and income replacement planning
- Estate and legacy planning support
- Spousal and child-focused insurance strategies
- Business partner / shareholder protection (when needed)
Her priority is simple: making sure the people who matter most to you are protected from the unexpected—today, tomorrow, and well into the future.
Income Tax Preparation & Planning
Taxes can feel complicated—but they don’t have to. Olivia offers personal income tax preparation and tax-smart planning to help clients keep more of what they earn and feel confident about filing.
Whether your tax situation is simple or more complex, Olivia provides clear guidance and an organized, stress-free process from start to finish.
Olivia helps clients with:
- Accurate and timely personal income tax preparation
- RRSP contribution planning for optimal tax savings
- TFSA, investment, and retirement tax guidance
- Support for major life changes—marriage, home purchase, starting a family, retirement
- Small business and self-employed income reporting
- Year-round tax planning to reduce future tax burden
With a focus on clarity and comfort, Olivia ensures you understand your tax situation and make informed decisions that support your overall financial health.
Why Work With Olivia & Godfroy Financial?
You’re not just getting an advisor. You’re getting a partner in your long-term financial success.