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 unnecessary financial burdens while properly planning for the future. Brad studied business and commerce at Long Island University in New York. 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 ensures his clients have access to all options, in any market, regardless of where located. Brad believes in surrounding himself with the best internal and external resources thus ensuring his product offerings are first in class and technically sound. Brad takes great pride putting together a unique, comprehensive plan with a very defined outcome.

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
Dan Dwyer

Dan Dwyer, CPA, CA, CPA (Illinois)


Dan has over 18 years of income tax experience assisting a broad range of clients in a number of industries including manufacturing, real estate, and construction, transportation, resource, and consumer businesses. Dan has assisted clients with transaction services, inbound and outbound expansions, corporate restructuring, income tax accounting assistance, and income tax dispute resolution. Dan has also presented a number of income tax topics to various groups throughout the years.

Dan graduated from the University of Windsor, earning his CA designation in 2004 and his CPA designation in 2008.

Dave Gillard


Dave has over 15 years of industry experience specializing in wealth management strategies and estate planning for private corporations and their shareholders. His goal, with all his clients, is to deliver and support innovative financial strategies to meet the unique needs of each client. Dave’s deep understanding of insurance products and their applications create structures which bring tremendous value to clients and their advisors. Outside of the financial world, Dave is a father and a husband of a very active family. From surfing in San Diego to cycling and skiing in Vancouver, Dave enjoys all the west coast has to offer.

Dave Gillard
Our Team

Karolina Dutour

Client Relations Manager

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.

Andi Guzman

Executive Assistant

Andi acts as the assistant to the team to help build and support strong client relationships. She completed the Dental Assisting program at SAIT and worked in the dental field for 6 years, before taking the opportunity to broaden her horizons in the world of finance.

Her experience in various fields makes it easy for her to adapt and manage several different tasks with a keen eye for detail. In addition to her role as Executive Assistant Andi enjoys being active with her dog, spending time with family and volunteering.

Andi Guzman

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

See how we can help