At Innovative Capital Protection, our team of dedicated professionals includes insurance specialists, accountants and best-in-class external resources. We work collaboratively with our clients’ trusted advisors to design planning solutions to suit each client’s unique financial goals. The quality and expertise of our team allows us to provide effective planning solutions that stand out and deliver results.

Brad Andrews

Brad Andrews


Calgary, AB

Brad specializes in problem-solving, helping successful business owners mitigate the effects of financial burdens and properly plan for the future. Brad studied commerce and accounting at Long Island University in New York. He has completed the CICA In-Depth Tax Course and he is currently completing the Trust and Estate Practitioner (TEP) designation. Prior to founding Innovative Capital Protection, Brad started Assured Financial Solutions and consulted with Secure Capital Management where he focused on bringing distinctive planning solutions to the Owner Managed Business marketplace. Brad takes great pride putting together a comprehensive plan where the end result is certainty.

Vance LeCocq, CPA, CA, TEP

Vice-President Planning

Vance has worked in the insurance industry for the last five years, and prior to that was a partner of a national chartered accounting firm where he led the privately held business and high net worth area of the planning practice and was known for bringing a creative yet practical approach to various situations including transaction based matters (i.e. buying and selling business/assets, succession and estate planning matters, strategies using trusts, and overall burden minimization strategies). Soon after obtaining his Chartered Accountant (CA) designation he completed the CICA In-Depth Tax Course and practiced full time in this career since 1998.

Vance is also a member of the Society of Trust and Estate Practitioners (STEP), the Canadian Tax Foundation and an associate member of the Conference for Advanced Life Underwriting. He is currently the chairperson of the Calgary Branch of STEP and a member of the STEP Canada Board of Directors.

Vance LeCocq
Photo of Ross Young

Ross Young, CA, FEA, CFP

Ross is a Chartered Accountant and Certified Financial Planner specializing in planning, estate and philanthropic planning for business owners. He also works with charities to develop insurance based endowment programs. Ross worked at a major national accounting firm and earned his CA and CFP designations in 1999.

He subsequently completed the In-Depth Tax Course of the Institute of Chartered Accountants. Ross has provided course material and instruction to Chartered Accountants (on estate planning and advanced insurance strategies) for the Institute of Chartered Accountants in Calgary, Edmonton, Regina, and Vancouver. Ross currently serves on the National Board of the Canadian Association of Gift Planners.

Karolina Dutour

Karolina is the center of communication at Innovative Capital Protection. She organizes and coordinates each client’s customized planning while striving to ensure that all her clients receive the most positive experience possible.

Karolina completed her Criminal Justice Diploma from Langara College and eventually found that her passion lies in the financial industry. As well as being a licensed insurance agent for over 11 years, Karolina brings over 20 years of experience in customer service and sales.

In her spare time, Karolina loves spending time with her family, traveling, snowboarding and her day would not be complete without a cup of coffee.

Are you a private business owner or incorporated professional seeking to secure your financial future and minimize your potential burden?

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