We assist in all financial inquiries no matter how big or small.  We specialize in assisting our clients with:  life insurance, mortgage insurance, wealth accumulation, investment planning, pension transfers and severances, education savings, retirement planning and estate planning.

Forward Finances has chosen a commission based form of payment much like how financial advisors at your bank are paid. What this means for you is that you will never have to pull out your cheque book to pay us directly for our financial meetings, recommendations or advice. We get paid through commissions received from the fund companies and insurance companies that we choose to do business with.

Interested in working with us?

Step 1: Get in touch with us to set up your first meeting – you have lots of meeting options: in your home, our office, a mutually convenient location (coffee shop, library) or online through Skype or Go-To Meeting.

Step 2: We will send you some information to look over and prepare for your first meeting with us.

Step 3: During your first meeting we will focus on getting to know you as our client: your financial situation, goals, hopes and dreams.

Step 4: During your second meeting we will present you with our recommendations and options based on your needs and assessment. We will answer any questions that you may have and “tweak” any of the information presented to help you make investment and insurance decisions that you feel comfortable with.

Step 5: Our third meeting will begin to put your plan into action. This could be setting up your paperwork and having a “signing day” or revisiting some of the options presented and coming up with a timeline to put those plans into place. Welcome aboard!

Step 6: We will continue to work with you through monitoring your insurance and investment needs with regular reviews and meetings to stay current and active with your investment portfolio’s asset allocation and make sure your financial goals, hopes and dreams are being achieved.

“Move ahead with us!” – Forward Finances


The contents of this website do not constitute an offer or solicitation for residents in the United States or in any other jurisdiction where either Jeanette Ramnarine and/or Richards Ramnarine and/ or Sterling Mutuals is not registered or permitted to conduct business. Mutual funds provided through Sterling Mutuals Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus carefully before investing. Mutual funds are not guaranteed, their values fluctuate frequently, and past performance may not be repeated.

Insurance products, and other related financial services are provided by Jeanette Ramnarine and/or Richards Ramnarine as independent insurance agents, and are not the business of, or monitored by Sterling Mutuals Inc.