Financial Resiliency - November 19, 2025

Presented by The Co-operators

Ann Bamford

Ann is an Associate Financial Advisor and Mutual Fund Investment Specialist with Bamford Insurance Group Inc a Co-operators agency in Regina, Sk. Ann began her career in Financial Services in 1977 and has been a Certified Financial Planner (CFP) since 2000, Mutual Funds licensed since 1990, and Life insurance licensed since 2000.

Ann helps individuals and family’s pair practical insurance protection with purpose-built investment strategies, so they can weather uncertainty and build long term financial resilience. Ann’s approach emphasizes clear guidance, personalized planning and solutions that put clients first.  When working with Ann you can expect a thorough knowledge of products, both with Co-operators and industry wide. Having raised a family Ann understands the need to budget and juggle both finances and time. Assisting Canadians in achieving their goals and dreams is why Ann chooses to do the work she does.

Joanna Croissant

Joanna is a co-operative management professional with over 24 years of experience with Co-operators, a leading Canadian insurance and financial services co-operative. Throughout her career, Joanna has build a reputation for connection people, purpose, and performance helping advisors, member organizations and clients alike understand the live the co-operative difference.

Currently serving as the Western region Co-op business development manager, Joanna manages relationships across four western provinces supporting co-operative and Credit Union partners in building stronger financial well-being for their members and communities. She brings 2 decades of experience as an Advisor owner in Saskatchewan and B.C. and she is passionate about financial empowerment and values-based leadership and is dedicated to advancing co-operative collaboration and resiliency across the sector.

In this presentation Joanna will share information about our relationship with Co-operators and give us the why behind this session. Ann will move into sharing actionable ways to strengthen day to day cash flow, protect against risk and align saving and investing to real life goals. She’ll look at four areas. Laying the Foundation, Protecting what matters, Growing your wealth, and Leaving a legacy. Together, these create a roadmap for financial resiliency – a plan that adapts with you, protects your progress, and helps you make confident choices not matter what comes next.