At Holden Insurance and Financial we are proud to be members of Advocis. We are also proud to offer comprehensive financial planning and the ability to broker Insurance and Financial Products through many of our various carriers: Canada Life, Manulife Financial, Empire Life, Equitable Life, Great-West Life, Industrial Alliance, RBC Insurance, Sun Life Financial, Ivari (Formerly Transamerica Life), Encon Benefits, Edge Benefits, Foresters Life, Humania Insurance, Hunder McCorquodale, BMO Insurance, Desjardins and Wawanesa Life.



Denis has a unique ability to bring a light and often humor filled touch to some of the more serious realities of financial planning. Bringing 35 years of experience, knowledge and service to Holden Insurance and Financial, makes Denis our Star. If you are ever in the office please ensure to say hello, he is overjoyed to have a coffee and chat. Member of Advocis since 1977, member of the Million Dollar Round Table and Founder of the Holden Private Health Services Plan (1998). Denis brings strong family values that are reflected at Holden Insurance and Financial through his client centered approach and strong client relationships. Denis has successfully assisted individuals, families, business owners and businesses with their financial planning needs through his open honest and communicative approach to planning. He always has time for questions and to tackle delicate or unique situations that can arise.


Over his career Scott has built a wealth of diverse experience in the insurance and personal finance industry. For the past ten years, Scott has worked as a top Sales Consultant for two major insurance companies where he developed expertise in personal insurance and employee benefits. He excelled by providing superior service and support to advisors focused in the Business Owner and Professional market, collaborating with them and their clients throughout the sales process to create customized solutions based on their unique needs. Scott now brings this wealth of knowledge to his own company, Holden Financial & Insurance Services, as well as Excel Benefits Consulting Inc. Scott holds a Bachelor of Commerce (with Distinction) from the Haskayne School of Business with a dual major in Finance and Risk Management. In addition, Scott holds a Group Benefits Associate designation from the International Foundation of Employee Benefit Plans, and placed on the President's List (top 1% nationally) for his Certified Financial Planner Examination. Scott is an active volunteer at the local and international level. His sense of community has extended from the local food bank to North-Eastern Ghana, where Scott and his wife spent a four month sabbatical helping a group of disabled farmers start a sustainable business and empowering young women through educational and work opportunities. His current passion is empowering youth through financial literacy, which he accomplishes by volunteering with Junior Achievement.


Dedication, loyalty and perseverance define Crystal. Her athletic background coupled with her strong upbringing and rich life experience have provided her with an exceptional foundation for overall success. Crystal’s subtle competitive nature pushes her to excel and chase success in all areas of her life. Her passions are Family, Finance, Fitness, Food and Fishing, and in that order. She believes the recipe for success lies in the ability to provide for all the needs in your life. Crystal has been in the world of financial planning since 2006, she is studious and committed to excellence. Crystal’s greatest career joy is seeing excitement, understanding and even relief in the financial lives of those she works with. She keeps in regular contact with all clients and is happy to help whenever possible. She believes in the heart of a serving leader and being an offering to those around her.


Working to help small business and families improve their financial knowledge and well being through a network of professionals with a "Client First" approach.

Attracted to the Financial Services Industry through my personal, and may times frustrating, experience of sourcing advice and working through often inadequate advice.

Education is the foundation.

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