What We Do

At Adkins Financial Services Inc., we are dedicated to providing the best financial options for you and your family.

Meet Our Team of Experts

John Adkins, CFP, CLU

President of Adkins Financial Services Inc., Financial Security Advisor, Investment Representative

Click to read John's Story

John started his career in the financial services industry in June of 1991 after graduating from Fanshawe College with a Business Diploma in Finance. Since joining London Life in 1991 John has been continuously upgrading his education in many different courses. He attained his CLU in 1998, his CFP in 1999 his CH.F.C designation in 2001 and his CHS in 2011. The CLU is Canada’s premier wealth transfer and estate planning designation.

CERTIFIED FINANCIAL PLANNER® certification is the industry gold standard in financial planning. The Chartered Financial Consultant® (ChFC®) program meets the advanced financial planning needs of individuals, professionals and small business owners. The CHS designation is the only Health Insurance focused designation in Canada and gives expertise in all areas of health insurance, including: income replacement, critical illness, long term care, disability and group benefits.

In 2001 John incorporated his practice under the name “Adkins Financial Services Inc” to reflect his family name as his mother and brother joined him at that time. Since 2001 the practice has grown to involve 14 agents and staff.We strive to reflect a family business atmosphere and try and look after our clients like they are family members. In Sept 2010 we moved our office to our current location on 164 Brant Ave, Brantford, Ontario.

Adkins Financial has been involved in numerous sponsorships with such activities as Brantford Minor Hockey, Brantford Church Hockey Association, Brantford City Soccer, Kitchener Soccer, Waterloo Minor Baseball, Brantford Softball, . Adkins Financial has also been involved with the Out of the Cold program, Christmas Baskets, Pregnancy and Resource Centre, and numerous school programs and golf tournaments.


Jason Roy

Managing Partner, Financial Security Advisor, Investment Representative

Click to read Jason's Story

Jason Roy has been an active and valuable representative of the London Life/Freedom 55 Financial Team for several years. He is a member in excellent standing of the Canadian Association of Insurance and Financial Advisors, with a special interest in Investment, Retirement and Estate Planning. In his capacity as a financial Security Advisor at Freedom 55 Financial, he welcomes the opportunity to visit clients and discuss with them the many investment options available.

Jason has built an impressive service record, having won many accolades from clients and colleagues alike. Jason’s enthusiasm, integrity and product knowledge has consistently placed him in the top percentile of advisors within the company, nation-wide. He continues to hone his skills to ensure that his clients get the most educated and efficient information in a timely and clear manner. Although his client base has shown tremendous growth, he continues to provide professional, individualized personal attention.

Changing economic times require an advisor who stays in touch not only with the market, but with the clients that market serves. Along with regular professional development which keeps him abreast of the upcoming trends and new developments, Jason offers clients the option of regular portfolio reviews based on their own preferences. This all-around approach to meeting clients’ needs has allowed his business to grow at a remarkable rate. Jason’s high client referral rate is a real indication of “customer satisfaction”—a rare commodity these days.

Jason’s service excellence is the cornerstone of his approach.


Sam Diamond, EPC

Financial Security Advisor, Employee Benefits, Disability and Critical Illness Investment Representative

Click to read Sam's Story

Sam Diamond and his beautiful wife Sandie Diamond reside in Paris along with their three dogs: Katie, Roxie and Bernard (who is a rescue blind St. Bernard) and their two rescue cats, Frankie and Johnnie. Combined together Sam and Sandie have six children ranging from the ages of 23-35. Sam and Sandie are avid motorcyclists. 

They have enjoyed, jointly, many bike trips from Alaska, San Francisco, PEI, Cape Breton to Florida Keys; as well, Sam and his best friend Leon completed an off-road expedition from Latvia to Mongolia, through to Russia and Kazakhstan in the summer of 2011. Sam and Sandie also enjoy boating on their boat which they dock at Queens Cove in Victoria Harbour.

Sam has enjoyed being in sales and marketing for over 35 successful years. Sam holds all of his life, investment, mutual funds and disabilities licenses and has earned his Elder Planning Counsellor Designation. Sam’s compassion for people, along with his outstanding sensitivity of his clients’ individual needs, allow him to excel in meeting his clients’ goals to attain their desired financial future.


Terry Adkins, RHU

Managing Partner, Financial Security Advisor, Investment Representative

Click to read Terry's Story

Terry joined London Life in 1993 with a dedication to provide his clients with the opportunity to achieve financial security in all stages of life. He is committed to helping people create and preserve wealth. With a full range of financial services, Terry is able to help define and set financial goals in the areas of retirement planning, comprehensive financial planning, and estate planning to assist clients in achieving their financial security.

Terry is pleased to be associated with a leading financial organization in Adkins Financial Services where serving the client’s needs first is the foundation of its success.

Terry strives to give back to his industry through his association with Advocis, the leading voice of financial advisors, and has been a member of the executive board of his local chapter since 1996. With an emphasis to provide meaningful continuing education in multiple areas of practice, Brant Norfolk Advocis endeavors to raise the level of professionalism in dispensing financial advice. Having achieved his Registered Health Underwriter designation in 2006, Terry continues to maintain a focus of continued upgrading and updating in a changing financial landscape.

When away from the office, Terry seeks to give back to his community through volunteering in local schools, coaching various athletic teams, lending a hand at the Brantford Artsblock, and as a boardmember of Brant Theatre Workshops, a local theatre company. Otherwise, you will find him enjoying the various activities of his children, Rachel and Drew, who keep him busy running to and from the soccer and rugby pitches, basketball courts, theatre rehearsals and acting auditions.

Terry is married to Lora, who works with him, and they reside in Brantford.


Joe Terejko, B.A., CFP, CLU, CH.F.C.

Financial Security Advisor, Employee Benefits, Disability and Critical Illness Investment Representative

Click to read Joe's Story

A graduate of McMaster and Wilfrid Laurier University, Joe started his career in finance with TD Bank. In 1987 he joined London Life Insurance Company. In order to provide optimal service in financial planning, he has since obtained the professional designations of Chartered Life Underwriter (CLU), Certified Financial Planner (CFP), Chartered Financial Consultant (CH.F.C.) and Certified Health Insurance Specialist (CHS). 

Still a Financial Security Planning representative with Freedom 55 Financial, in 2006 he joined Adkins Financial Services Inc, one of the top producing firms within London Life. With over 25 years in the financial industry, Joe prides himself in providing tailor made solutions to client’s goals and objectives. He has access to Tax and Estate Planning and Employee Benefit specialists in order to assist clients in more advanced situations.

Born and raised in Brantford, Ontario he still resides here with his wife Mary and their twelve children. Besides enjoying his children’s extra-curricular activities, Joe also coaches basketball and currently is President of WRMS Swimming. He also swims and runs in order to stay in shape and keep up with his children.


Anne Crocker, PFP

Financial Security Advisor, Investment Representative

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After an accomplished 12-year career as a financial advisor at a major Canadian bank, I joined Freedom 55 Financial as a financial planner in 2006 to give broader financial planning advice to my clients and flexibility to accommodate their hectic schedules. Most recently, I have begun working with Adkins Financial Services Inc. a member of the Wealth and Estate Planning Group, a part of Freedom 55 Financial.

My association with the professionals at Adkins Financial Services Inc.will help me provide a higher level of service and insight to clients’ financial needs.

When specialized expertise in a specific area is required, through Freedom 55 Financial, I have access to a team of experts.


Jody Cleminson

Financial Security Advisor, Investment Representative

Click to read Jody's Story

Jody is a graduate from Wilfrid Laurier in the Honours Bachelor of Business Administration program. After graduation in 1995, Jody joined Great West Life as an Employee Benefits Specialist. Her extensive career in management include roles in the field as well as head office. Her roles include Employee Benefits Manger, Director for Eastern Canada (Employee Benefits), and Regional Director for Northern Ontario.

Before becoming an Advisor, Jody was a Consultant across Canada for the top Advisors within the Great West Life Advisor channel. After having her son in 2007, Jody decided to use her extensive knowledge and become a Financial Advisor. With over 18 years of both corporate and field experience, Jody provides extensive knowledge and expertise to her clients.

Her recent move to Adkins Financial enables her to work with the “best of the best” in our industry.

Jody is married with 3 sons, and is very active in her community. With Jody’s passion, knowledge, and caring personality, she thrives on helping clients meet their financial goals.


Ian McDaniel

Financial Security Advisor, Investment Representative

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Ian has called Brantford home for more than 25 years with his wife Heather and 2 adult boys, Markus and Kevin. After working for Coca-Cola for 20 years, a career change to financial planning and life insurance would be his next life path. His concern for the future, charisma and life experiences have helped him prepare for his new career, along with extensive schooling and training. Service is top priority.


Derek Barnard

Financial Security Advisor, Investment Representative, Tax and Estate Advisor

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Derek and his wife Christine live in Tillsonburg with their two daughters.  Derek joined the financial services industry in 2010 and since then has been delivering great value to clients as a financial advisor, helping them plan ahead for their short term needs and long term goals.

Derek is a skilled tax and estate advisor with a focus on affluent estate planning. He has a demonstrated commitment to lifelong learning and keeps abreast of changing financial and tax regulations.


Administrative Team


Erin Westra, Office Manager

Administrative Assistants

Stephanie Ryckman

Lora Adkins

Andrea Teny

Julie McDermott

Jennifer Taylor

Marion Adkins, CLU, CH.F.C., EPC,

Insurance products, including segregated fund policies are offered through Adkins Financial Services Inc. and John Adkins, Jason Roy, Sam Diamond, Derek Barnard, Ian McDaniel, Terry Adkins, Joe Terejko, Anne Crocker and Jody Cleminson offer mutual funds through Quadrus Investment Services Ltd. Quadrus Investment Services Ltd. and design and Quadrus Group of Funds are trademarks of Quadrus Investment Services Ltd. Used with permission.