Our Team

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Meet the DFS Private Wealth Team

At DFS we have a team of dedicated professionals. Together we oversee and manage the complete financial affairs of the client. The team brings over 60 years experience in the financial industry.

Private Wealth Managers


Jennifer Black


Jennifer has been working in the financial services industry for over 15 years and has vast expertise as a Private Wealth Manager, Portfolio Manager and Family Enterprise Advisor. She uses her knowledge and experience to help affluent individuals, families, and business owners achieve their financial goals and enjoy peace of mind.

As a Private Wealth Manager, Jennifer takes an in-depth approach to understand your unique situation and provides solutions to optimize how your financial affairs are structured with specific emphasis on tax minimization, wills, estate and investment management.

As a Family Enterprise Advisor Jennifer helps your family with family dynamics, governance, and facilitation to support all generations through successful wealth stewardship.



Private Wealth Manager

  • Bachelor of Science and Education, University of Nebraska, 2003
  • Financial Management Advisor designation, 2006
  • Certified Financial Planner designation, 2008
  • Certified Professional Consultant on Aging designation, 2008
  • Canadian Investment Manager designation, 2009
  • Fellow of the Canadian Securities Institute, 2009
  • Portfolio Manager, 2016
  • Family Enterprise Advisor, 2018

Community Involvement

Using the knowledge and insight she gained while helping a friend cope with the emotional and financial challenges of being widowed, Jennifer has created widowed.ca, a free online resource for widows, widowers and their loved ones.

Family & Interests

Jennifer still enjoys playing tennis and also enjoys golf and spending time with family. She lives in Port Credit, Mississauga with her husband, Kevin, and their two daughters. She enjoys watching her daughters find their passions and work towards their own goals.


Janet Baccarani


Janet is a tax-savvy wealth manager helping her clients find the right blend of wealth preservation and the transition of wealth to the next generation for the family’s long-term security. As a Chartered Accountant with executive-level business experience, Janet also has an in-depth understanding of the unique financial planning requirements of time-challenged corporate executives and business owners.



Private Wealth Manager


  • Bachelor of Science, University of Toronto, 1975
  • Master of Business Administration, McMaster University, 1978
  • Chartered Accountant designation, 1979
  • Certified Financial Planner designation, 1999
  • Financial Management Advisor designation, 2006
  • Certified Professional Consultant on Aging designation, 2008
  • Certified Executor Advisor, 2018

Taxation Expertise

  • Product development specialist for a major tax-preparation software company
  • Tax support for the products and services team at a major trust company
  • Director of the Tax and Accounting division of one of Canada’s foremost publishers of taxation information for legal and accounting professionals

Community Involvement

  • Board Member, Women’s Leadership Council – United Way Peel
  • Former treasurer, Trillium Board
  • Former executive member, Etobicoke C.A. Association
  • Former treasurer for the Board of Directors, Renascent (a non-profit alcohol and drug addiction treatment centre)
  • Former director, Renascent Foundation

Family & Interests

Janet and her husband, Zito, are the parents of two grown children and have made Etobicoke their home for more than 35 years. In her spare time, Janet enjoys reading, golf, and travel. She enjoys the company of her three granddaughters and two grandsons.

Team Members


Cherryl Twiss

Senior Wealth Administrator

Cherryl has been active in client service, tracking investments and responding to client enquiries since joining DFS in 2013. Her duties include processing client applications, transfers and market orders, and responding to enquiries. She tracks daily transactions and communicates information to the clients about client reviews.

A graduate of Sheridan College with Honors in Business Administration (Co-op), Cherryl completed her CSI Canadian Securities Course and is a Licensed Investment Representative. She has also completed her Insurance License.

An excellent communicator, Cherryl brings extensive related experience to her role. She has worked for MFDA and IIROC Investment companies, as well has entrepreneurial experience as a partner in two small businesses.

Cherryl’s extensive community involvement centers around her role as a Girl Guide Leader since 2000, where she has been involved in a number of activities, including, Program implementation, Camp facilitator, fundraising, and she is the First Aider for the unit.

Cherryl lives in Milton with her Husband, Steven, a dog and a cat. She has a married Step-Daughter and a Step-Granddaughter, a son at University and daughter living in Windsor. When at home, Cherryl enjoys doing crafts and swimming in her pool.


Maria Ibagon

Administrator & Insurance Strategist

Maria supports our team and brings insurance strategies to bring additional strategic ideas to help clients achieve goals for wealth preservation and generational wealth transfer. Her insurance focused duties at DFS also includes policy administration and premium processing.

Maria has over ten years’ experience in the financial and insurance industry.
A university graduate with a Bachelor of Science, Industrial Engineering, Maria also has a Banking Specialization diploma, and she attained her LLQP Life Insurance License in 2008. Originally from South America, Maria is fully fluent in Spanish and is experienced in the specialized needs of newcomers to Canada.

Maria’s community service efforts include Christian Mission trips to Mexico, Bolivia and Colombia. Maria has lived in Mississauga for 14 years with her husband, Oscar, along with their two sons. She loves cheering on her kids during their soccer games. And in her free time she really enjoys hiking, mountain climbing, biking, camping and traveling.


Catherine de Almeida

Executive Assistant

Catherine is the first smiling face to greet you when you visit DFS. She has a full range of general office administrative duties and is a personal assistant to DFS co-owners Jennifer Black and Janet Baccarani.

A graduate of University of Toronto with a Bachelor of Science, Catherine has a keen eye for detail coupled with a thoughtful customer service focus. As a co-owner and operator of her own small marketing business, Catherine has acquired a number of business skills from bookkeeping to project management.

Catherine lives in Mississauga with her husband and two children. Previously having run an in home daycare while her children were young she is very familiar with fast paced high pressure environments.