VFG Financial Group is a full-service financial planning firm dedicated to providing individuals and corporate investors with fully integrated solutions for their insurance, investment, retirement, income replacement, education, estate, and tax planning needs. We offer a comprehensive range of financial products and services, including one-on-one counselling and holistic financial planning.
VFG Financial Group is a well-respected firm, proud of the strong, ongoing relationships and trust it has built with both its associates and clients.
We have a compelling two-part vision focused on equal opportunity for every VFG advisor:
- Vision #1 – To help advisors build and own a strong insurance and investment business with real value through personal sales.
- Vision #2 – To help advisors build and own a strong insurance and investment business with core values by sharing the opportunity, building a team of advisors, and earning overrides across four levels.
VFG has created a unique infrastructure that empowers every advisor to build their business from day one.
In today’s competitive landscape, VFG Financial Group offers its associates a distinct advantage. This edge comes through advanced, technology-driven systems, exclusive marketing support programs, ongoing development initiatives, and opportunity planning workshops. By supporting our independent associates in creating new opportunities, we continue to strengthen our partnership—always with a focus on each client’s financial planning goals.
We also serve small, medium, and large businesses with tailored group benefits and retirement solutions. Additionally, VFG Financial Group provides a full suite of investment products, including Segregated Funds, from Canada’s top insurance companies.
That’s the benefit of our true partnership—and what makes us one of the country’s leading client-centric Managing General Agencies.
Helping you succeed is our business.
We strive for excellence and differentiation through education.
We invite licensed insurance agents across Canada who are interested in building their own business, leading a team, and earning overrides to join us. Our proven system and process are designed with your success in mind.
Our philosophy is simple: we are here to help you build a stronger business.
We look forward to earning the right to work with you.



Maria Xavier, B.A.
Vice President, Contracting and Compensation
416-626-5044
or e-mail: mxavier@versatilefinancial.com
As Managing Director, Maria is responsible for overseeing the day-to-day operations, with focus on recruitment, contracting, compensation, supervising brokers, logistics, office technology, organizing broker events, and liaising with the insurance carriers to ensure a superior customer service experience.
Maria’s education, skills, and extensive knowledge in the financial sector make her the ideal individual to provide excellence and differentiation to VFG Financial Group’s associates and clients alike.
Maria’s primary goal is to continue to build and maintain VFG’s great reputation, to differentiate in the marketplace, and to provide superior client & advisor satisfaction.

A. Don Xavier
Chief Executive Officer, Compliance, Training & Development
416-626-5044
or e-mail: dxavier@versatilefinancial.com
www.donxavier.com
He has written 3 Canadian best-selling self-help books:
- Motivational Cycles to Successful Selling
- Unleash the Magnet in You
- How-to Remove Your Success Blockers
He also authored the Inspiration Sales Management Mastery Program titled, Boost the Value of your Business.
His ideas, principles, techniques and real-life examples are inspirational and can be implemented by anyone, in any industry, immediately.
Don’s goal is to help people alter their conditioning and change their habitual way of thinking and behaving in order to achieve more in their life and business.
In the past 20 years, he have spoken to thousands of sales professionals across Canada, the USA, the Caribbean, Europe, Africa and Cabo Verde Islands.
His clients include TED Talk, Triple 7 Real Estate, Cabo International Partners, C.E. Credits.ca, Pro-Seminars, Advocis, Industry Events, MGA’s, AGA’s, Mutual Fund Dealers, Insurance Companies, Schools, MLMs, the General Public, Governments, Rotary Clubs, Churches and Company sales professionals.
He educates utilizing his own personal experiences with ideas and strategies for permanent, positive, lasting change. Daily, he strives to transfer enthusiasm, positive energy and positively influence as many people as possible.
With over 30 years of experience, Don provides his leadership in the area of compliance, marketing, distribution, operations, sales, training, development. Don leads in elevating the advisor experience with VFG, ensuring that we meet our Corporate pledge to be the MGA of choice for independent advisors.

Rosilda Xavier, B.Comm
President, Director of Marketing
416-626-5044
or e-mail: vfgadmin@versatilefinancial.com
Rosilda is dedicated to providing support to our business partners with all aspects of business processing, settling and information on in-force business.
Her main responsibilities includes administrator/receptionist, processing & settling all new business, servicing in force business, pending business, ordering & follow-up on medicals, email inquiries, ICS and mail, boardroom scheduling, website and social media maintenance, and graphic design.
Rosilda’s goal is to continue with the VFG motto of building a great reputation, differentiating and providing 100% client satisfaction. She looks forward to speaking and assisting all of the VFG contracted independent brokers and new ones coming on board!

David D. Seemungal, EPC
Business Development Manager
416-626-5044
or e-mail: david@vfgfinancialgroup.com
With over 34 years of experience in the financial services industry, I help individuals, families, professionals, and business owners across Ontario grow and protect their wealth through tax-efficient insurance and investment strategies. As an Elder Planning Counselor (EPC)—a designation focused on the evolving needs of aging Canadians—I’m trained to address the financial, healthcare, and lifestyle concerns that arise later in life. My goal is to create personalized strategies that provide stability now and peace of mind for the future.
Collaboration is at the core of my approach. I work alongside clients and facilitate access to a trusted network of legal, accounting, and lending professionals to deliver fully integrated, holistic plans—whether clients are saving for a home, children’s education, preparing for retirement, or securing their legacy.
As the Business Development Manager at VFG Financial Group, I’m actively recruiting licensed and non-licensed individuals across Canada. I have a proven system and process to mentor both new and experienced advisors, helping them build thriving practices, strengthen client relationships, and create sustainable growth through established systems and a foundation of trust.
A proud Rotarian for over 25 years, I’ve served as President of the Rotary Club of North Scarborough, chaired club committees, championed international service projects, and received multiple Paul Harris Fellow recognitions. I also serve on the board of the Palliative Care Society of Trinidad & Tobago, advocating for compassionate care in life-limiting illness and end-of-life treatment.

Pedro’s passion is helping others achieve financial peace of mind.
With a Master’s Degree in Science and the respected Fraternal Insurance Counsellor (FIC) designation, Pedro began his financial planning journey in 2002. He quickly rose to become a Marketing Director at World Financial Group, driven by a strong sense of purpose and leadership.
In 2008, his expertise caught the attention of the Knights of Columbus. As a Sir Knight and Supreme Fraternal Advisor, he served nine councils across the Greater Toronto Area, specializing in financial, estate, and retirement planning—always with a focus on protecting families and building brighter futures.
In 2014, Pedro transitioned to an Independent Insurance Broker, joining VFG Financial Group. This move empowered him to offer tailored solutions through Canada’s top insurance and investment providers.
Today, Pedro is a Business Development Manager at VFG Financial Group, where he actively recruits both licensed and non-licensed individuals across Canada. He employs a proven system and process to mentor new and experienced advisors alike, helping them build thriving practices, strengthen client relationships, and create sustainable growth through established systems and a foundation of trust.
If you or someone you care about is looking for a trusted advisor to be there when it matters most, please reach out to Pedro; he will be happy to help.

I am a dedicated professional with a passion for serving clients in the financial industry. My journey began in 1996, when I immigrated to Canada in pursuit of a better life. That experience gave me a deep appreciation for the dreams, challenges, and aspirations of newcomers to this diverse and welcoming country.
Fluent in Tagalog, Ilocano, and English, I pride myself on creating meaningful connections and ensuring clear communication with clients from all walks of life. Since becoming a licensed Mortgage Broker in 2008, I’ve had the privilege of helping countless individuals and families achieve the dream of homeownership through personalized, strategic mortgage solutions.
In 2011, I expanded my services to include insurance and investment advisory, allowing me to offer a comprehensive approach to financial well-being. My mission is to empower my clients with the tools and guidance they need to protect what matters most and build a secure future.
Today, as a Business Development Manager at VFG Financial Group, I proudly lead a nationwide recruitment initiative for both licensed and aspiring financial advisors. Through a proven system and mentorship model, I support advisors in building successful, sustainable practices rooted in trust, integrity, and long-term client relationships.
Backed by the love and support of my husband and three wonderful daughters, I remain deeply committed to helping individuals and families take confident steps toward financial security and prosperity.
Whether you’re buying your first home, exploring insurance options, or planning for a brighter financial future, I’m here to guide you every step of the way.
Let’s start your journey toward financial empowerment—together.



















