Jennifer Bain, B.Comm., CFP, EPC

Financial Planner
Investment Representative

Jennifer was born in Dauphin, MB and spent most of her childhood years on a farm near Moosomin, SK. After high school, Jennifer moved to Saskatoon and attended the University of Saskatchewan, graduating in 1999 with a Bachelor of Commerce degree with a major in marketing. Jennifer began her career with Freedom 55 Financial in Saskatoon in early 2000. She wanted a career that would allow her to help others and build relationships. Jennifer takes great pride in her ability to help people reach their goals in life, through education and guidance in financial management and goal planning. Since joining Freedom 55 Financial, she has earned her Certified Financial Planner (CFP), and her Elder Planning Counselor (EPC). She has also taken a course in cash flow management to enhance services and in-depth retirement planning she provides. Jennifer is licensed to sell life and living benefits insurance and segregated funds in Saskatchewan and Alberta, and is registered to sell mutual funds in Saskatchewan, Alberta, BC, and Manitoba.

Outside of work, Jennifer enjoys traveling, nature, staying active, reading, watching movies, trying and learning new things, and spending time with her spouse Wade, friends and family. As part of her active lifestyle, Jen has participated in the ‘Y not Try a Tri’ triathlon program through the YWCA, has run a few 10 km races, and one half marathon.  She is also a PADI certified scuba diver. Community involvement and volunteering is important to Jen. Jen strongly supports READ Saskatoon and their quest for supporting and improving literacy and financial literacy in our city and province. She is a past board member, and has been involved with READ’s annual fundraising and events for over a decade. Jen enjoys being a member of the Saskatoon Chamber of Commerce and Saskatchewan Young Professionals and Entrepreneurs (SYPE), and is a past SYPE board executive. She is a member of Advocis, her professional association. She regularly donates blood to the Red Cross. Jen also has been involved with numerous other events including the 24-Hour Relay for Easter Seals, MS Walk, Children’s Health and Hospital Radiothon, Junior Achievement Economics for Success program, Bridge City Boogie, and the Leave a Legacy luncheon committee. Jennifer looks forward to continuing her flourishing career, dedicated to helping people achieve financial success and do what they really want in life. She is grateful to all those who have and who continue to support and trust her with their financial security and investment planning needs.

Luke Engele, PFP

Associate Advisor/Financial Planner
Investment Representative

Luke grew up in Carmel, a very small town near Humboldt, SK. He helped his dad with farming and fixing things as they broke down. He briefly lived in Central Alberta, but returned to Humboldt to finish up high school. Luke then made the move to live in Saskatoon to pursue a bachelor’s degree in Economics. After finishing school, he joined with RBC in 2013 as an account manager and teller, and quickly gravitated towards investing and financial planning. After 5 years he took a financial planning position back in Humboldt to be closer to home, but he missed Saskatoon. He completed the Personal Financial Planner (PFP) designation before choosing to move back to Saskatoon and working for Scotiabank and then National Bank.  With wanting to focus more on investing and planning, he made the decision to join Jen working for Seed to Shade Wealth Inc. and expand on offering full financial planning services.

Luke spends much of his spare time and money on vehicles and anything with a motor. He owns and operates a licenced vehicle dealership that helps fund this hobby, and his massive collection of 90s items and antiques. Luke also enjoys tinkering with old electronics and video games, watching movies, traveling, swimming/scuba, concerts, reading, creative writing, sleeping in, and helping friends and family.

Luke looks forward to being part of a team that is dedicated to helping people achieve financial success and do what they really want in life. He is passionate about educating clients on how investing works and applies to them, reviewing product comparisons, and helping understand cash flow and retirement needs. Luke is excited to help clients with their investment, insurance, and planning goals.

Support team

Carol and Cecilia help us manage the intense amount of paperwork (now vastly electronic based), files, filing, compliance, organization, communication, planning, and service that we aim to meet each week. Our goal is to have a team our clients can have confidence in, to continue helping them shape and meet their goals and needs.

Carol Lazaro

Advisor Support Associate

Carol is originally from the Philippines and moved to Canada through the Saskatchewan Immigrant Nominee Program, with her husband and daughters in August 2010.  She achieved her Political Science degree in 1996 and Bachelor of Law degree in 2001. Despite her father’s dream for her to become a lawyer, Carol favored financial/accounting. Before migrating to Canada she spent 13 years working in executive admin positions for her city’s utility company. She started a receptionist position with Saskatoon Great West Life in 2011, and with her education, experience, and further learning, transitioned through the various channels to now providing advisor support.

Carol has been working with Jen since 2018, and provides full time advisor admin support to clients and Seed to Shade Wealth Inc. Her diligence, organization, and knowledge help Jen and Luke meet the investment, insurance and planning needs of our clients. She puts her whole heart in and enjoys her role in the Seed to Shade Wealth team, providing a wonderful client experience.

Outside of work, Carol enjoys gardening and travelling with family. She loves learning new cultures and meeting new people.