Kelowna

Address: 1100 - 1631 Dickson Avenue Kelowna, BC V1Y 0B5
Located in the Landmark Centre on Dickson Avenue


Phone: 778-738-3328

Fax: 604-583-0797

CONTACT US

Hours

Tuesday: 8:30am to 5:00pm

Wednesday: 8:30am to 5:00pm

Thursday: 8:30am to 5:00pm

Meet Our Team

Kelowna

Raj Hara

CMA, CPA, CIRP, Senior Vice President of Sands & Associates, Licensed Insolvency Trustee

In addition to being a Vice President of Sands & Associates, a Licensed Insolvency Trustee and Chartered Accountant, Raj is a Certified Management Accountant and Chartered Insolvency and Restructuring Professional. Raj has more than 10 years of experience in banking, finance, accounting and insolvency matters, and specializes in helping individuals resolve their personal debts. “Assisting individuals in assessing their options for dealing with debt is my primary focus,” says Raj.

Raj’s approach to one-on-one client sessions is non-judgemental and future-oriented. He encourages clients to assess their current situation and takes the time to understand each client’s unique financial situation so he can provide a complete assessment of all possible options. He encourages clients to understand that it is possible to remove the burden of debt from their shoulders. “Debt does not define an individual. Life happens to everyone. At Sands & Associates, we assist individuals in achieving a financial fresh start,” he says.

Raj is fluent in Punjabi.

Raj’s number one piece of advice for people seeking help with their debts:

“You do not have control of what happened in the past. Let’s understand where you are today so that you can move forward to a debt-free future.”

Meet with Raj today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey, New Westminster, Kelowna and on Vancouver Island.

Contact Raj to set up your appointment.

In addition to being a Vice President of Sands & Associates, a Licensed Insolvency Trustee and Chartered Accountant, Raj is a Certified Management Accountant and Chartered Insolvency and Restructuring Professional. Raj has more than 10 years of experience in banking,...

Read More about Raj

Jeff Ayre

CPA, CGA, CIRP, Licensed Insolvency Trustee

With more than 20 years of experience in the insolvency field, Jeff Ayre has helped corporate and consumer clients of diverse backgrounds manage and overcome difficult financial situations. Jeff has administered multiple engagements under the Bankruptcy and Insolvency Act and the Companies’ Creditors Arrangement Act. Recognizing the complexity of navigating insolvency, he focuses on offering clarity to the Sands & Associates clients he works with. When asked about the most important aspect of his job, Jeff says, “Financial burdens weigh heavily on people. Helping them relieve those burdens makes a difference in their lives.”

Jeff’s number one piece of advice for people seeking help with their debts:

“Clear information from a professional will help you find a solution to your debt problems. Be wary of individuals and groups who may try to take advantage of you. A Licensed Insolvency Trustee will offer you guidance at no cost.”

Meet with Jeff today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Vancouver, Kamloops, Kelowna and Vancouver Island.

Contact Jeff to set up your appointment.

With more than 20 years of experience in the insolvency field, Jeff Ayre has helped corporate and consumer clients of diverse backgrounds manage and overcome difficult financial situations. Jeff has administered multiple engagements under the Bankruptcy and Insolvency Act and...

Read More about Jeff

John Manson

Estate Manager, Qualified Insolvency Counsellor

John Manson has 7 years of personal insolvency experience. John is dedicated to providing his Sands & Associates clients the tools they require to manage and overcome challenging financial situations. Specializing in personal insolvency, John helps clients understand the often daunting and misunderstood aspects of debt resolution. “The most important part of my job is informing people of the laws around dealing with debt and how it affects their situation,” says John.

John’s number one piece of advice for people seeking help with their debts:

“Take full advantage of the tools and information you receive from your Licensed Insolvency Trustee. The more that you put into the process, the more you can get out of it.”

Meet with John today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey and Kelowna.

Contact John to set up your appointment.

John Manson has 7 years of personal insolvency experience. John is dedicated to providing his Sands & Associates clients the tools they require to manage and overcome challenging financial situations. Specializing in personal insolvency, John helps clients understand the often...

Read More about John

Yvonne Sutton

CIRP, Licensed Insolvency Trustee

Yvonne Sutton brings more than 35 years’ experience and expertise to helping individuals and small businesses overcome their financial difficulties.  Yvonne is a Licensed Insolvency Trustee and Qualified Insolvency Counsellor who is sensitive to the personal circumstances that bring people through our doors seeking help.  “Actually being able to help people with their financial challenges is the most important part of what I do” she says.

Yvonne’s number one piece of advice for people seeking help with their debts:

“A Licensed Insolvency Trustee is the only professional who can provide you with the legal options to deal with your debts and protect you from creditors.”

Meet with Yvonne today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Kelowna office.

Contact Yvonne to set up your appointment.

Yvonne Sutton brings more than 35 years’ experience and expertise to helping individuals and small businesses overcome their financial difficulties.  Yvonne is a Licensed Insolvency Trustee and Qualified Insolvency Counsellor who is sensitive to the personal circumstances that bring people...

Read More about Yvonne