Our Team

At Canada Retirement, we are committed to making your retirement as easy as possible. We are equipped with a full team of certified professionals to help you get the most out of your retirement.

Fred bowie, CHief EXECUTIVE Officer

For over 35 years, Fred has been helping retirees get the most from the registered and non-registered retirement savings. He is one of Canada’s top Retirement Income Option Specialists. 


Pat Howe,       Income Tax Specialist

Pat has specialized in personal and estate taxes for over 40 years in the trust industry and on his own. Pat joined the Canada Retirement Information Centre in 2007 and manages our Tax Department. Always focused on saving tax dollars for those he serves. Pat is approachable and insightful in meeting a client’s needs.

Sarah Bowie

Sarah is an award winning Realtor, earning her license in 2006, she is a current member of the Canadian Real Estate Association. The past decade has given her the opportunity to gain valuable insight into the economics of real estate, investment strategies, power of sales, estate sales, and property management. She is excited to apply her knowledge to work for you. 


Franco Frangione, President

Franco joined the Canada Retirement Information Centre in 1992 as partner and President. For the last 23 years, Franco has provided retirees with expert advice to assist them to fulfill their retirement goals, dreams and objectives.


Josephine Redulfin, Retirement Income Option Specialist

Josephine joined Canada Retirement in March 2004 and has helped many of our long-time members. Josephine also serves as Executive Assistant to Fred Bowie. She is licensed with the Financial Services Commission of Ontario. 


louis sousa,       Vice President

Louis Sousa’s background with one of the world’s largest financial institutions has equipped him with the knowledge and experience to steer his clients in the right direction. An accounting graduate, Louis has the ability to maximize his client’s retirement income, and lower their taxes. 


Kayla Markell Administrative Assistant

Kayla is the friendly face that will greet you at the front desk of Canada Retirement. She is a graduate of the University of Ottawa, having achieved a Bachelor in Sociology with a minor in Psychology.