Forward Finances operates under our core values of:
Independence, Integrity, Innovation, Intelligence, Inclusion

“Independence isn’t doing your own thing: it’s doing the right thing on your own” – Kim John Payne

We broker our insurance and investments through a variety of carefully chosen companies and do not have to meet investment or insurance quotas as we are independent.

What does that mean for you?
• We will recommend investment and/or insurance products that we choose specifically to meet your needs
• We regularly meet with wholesalers on both the investment and insurance side allowing us to choose products specifically designed to meet the needs of our clients –we put your needs first!

“If you don’t have integrity, you have nothing. You can’t buy it. You can have all the money in the world, but if you are not a moral and ethical person, you really have nothing. – Henry Kravis

• Forward Finances puts the needs of our clients at the forefront
• We incorporate easy to understand explanations of our recommendations into our practice
• Our company was built on the values of honesty, fairness and integrity

“Innovation distinguishes between a leader and a follower” – Steve Jobs

We want to explain finances to you in plain English. That’s why we use a variety of software programs to put our recommendations for you into terms that are understandable. With Forward Finances you can expect:

• In-person meetings in your home, a mutually agreeable destination (coffee shop, library) or at our office – your choice
• Off-site meetings through conference calls and web platforms (Skype, Go-To Meeting)
• Access to your investment portfolio online
• Punctuality – your time is important to us


“Talent wins games, but teamwork and intelligence wins championships” – Michael Jordan

Your advisors –Jeanette & Richards Ramnarine have bi-weekly meetings with our branch team in Kingston, ON to stay current with new trends in the financial industry including:

• economic outlook
• wealth accumulation
• tax preservation
• estate planning
• family finances and protection
• new investment products
• new insurance products

“Inclusion is opening our minds to new possibilities, making room for different perspectives and enriching the experience for everyone along the way” – Lisa Friedman

We make a commitment to our clients to keep them up to date on information that we think is relevant and of interest. We would love to include you in the discussion! Please follow us on our social media links to stay in the loop!

“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.