How Online Divorce Mediation Simplifies Your Separation

Navigating divorce can be challenging, but “virtual divorce mediation” and “online divorce mediation” offer efficient, private, and amicable solutions. In Ontario, understanding these processes is crucial for couples seeking a less contentious separation. With mediation services divorce, couples can resolve family matters without the stress of court appearances, using technology to facilitate conflict resolution and reach fair agreements at their convenience. Dive into this blog post to explore how virtual divorce mediation can make your separation smoother and more manageable.

Divorce Mediation Online is one of the alternative dispute resolution processes. It is a facilitative process between two or more disputing parties overseen by a neutral third party. When the mediation is online the third party is known as an online mediator.

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Why Choose Virtual Divorce Mediation

  • Convenience: the flexibility of the process allows parties to take part when they have the time.

  • There is more room for well-thought-out responses. Due to the slower pace of email communication, mediators are better able to craft communications and strategy. They do not need to react to disputing parties’ statements immediately. Also, participants can take their time to respond to allegations or statements made by the other party. They will be able to respond logically and without the clog of emotions.

  • A level playing field for all parties. When disputing parties are composed of people who tend to dominate the conversation and those who are reserved. The use of email to communicate instead of face-to-face mediation levels the playing field. Parties with dominant confrontational temperaments will not be able to hijack the proceedings. Also, reserved parties will not feel forced to concede points unnecessarily. They won’t need to concede because they want to end confrontations or bring the process to a speedy end.

  • Caucuses are truly confidential. During conventional mediation, if a party requests a caucus, they and the mediator will have to move to another location. This could cause ill feelings with the other party as they are left to imagine the worst with what is going on in the other location. With online mediation, parties can request caucuses without the other party’s knowledge.  This reduces instances of ungracious feelings.

  • Disputing parties can concentrate on the content of each other’s points. They can do this without getting distracted by non-verbal cues. This includes cues like the crossing of the arms, eye-rolling and others that could be misconstrued as confrontational. 

  • Jurisdiction stops being an issue. In dispute cases that cut across state lines, deciding where the mediator will come from stops being an issue.

  • Disputants from different geographic zones can still discuss, as online mediation is not limited by borders.

  • Your choice of mediator is no longer limited to your geographical location. You do not have to concern yourself with choosing a mediator near you. All you need is to ensure that the mediator is an expert in the area of dispute

  • Anonymity is preserved. Online mediation is usually the best option for parties who will like to keep their anonymities intact. An example of beneficiaries of this is insurance companies and government agencies. They could keep their identities out of the mediation process when resolving disputes.

Virtual Online mediation

Virtual Mediation for a Divorce Soft Landing

Can mediation be done virtually? I’m ready to help

What Can Be Negotiated During Online Divorce Mediation?

There are several financial issues you will want to address when negotiating your divorce settlement. Here, I summarize the main ones with links to resources.

Who are my Typical Clients

What is Divorce Mediation and How Does it WorkKen Maynard CDFA, Acc.FM2025-06-12T16:56:40-04:00

Understand the process and benefits of divorce mediation.

Divorce mediation is a collaborative process where a neutral third-party, the mediator, helps the divorcing couple to resolve disputes amicably. The mediator facilitates communication and negotiation, allowing both parties to reach a mutually satisfactory agreement in a less adversarial setting than court proceedings. Mediation can address issues such as property division, child custody, and spousal support, and it often results in a quicker, more cost-effective resolution compared to traditional litigation. In Ontario, divorce mediation is seen as a preferable method due to its focus on cooperation and preserving relationships, especially when children are involved.

Is divorce mediation legally binding in Ontario?Ken Maynard CDFA, Acc.FM2023-08-14T19:46:29-04:00

Divorce mediation agreements reached in Ontario can be legally binding if they meet certain requirements. While the mediator’s role is to facilitate discussions and assist the parties in reaching a mutually satisfactory agreement, the final agreement itself may need to be formalized to have legal effect.

To make a divorce mediation agreement legally binding in Ontario, it is advisable to follow these steps:

  1. Independent Legal Advice: After agreeing in mediation, each party is recommended to seek independent legal advice from their lawyer. This ensures that each party understands their rights, obligations, and the implications of the agreement.
  2. Documentation: The mediated agreement should be documented in writing, typically as a separation agreement. The agreement should clearly outline the agreed-upon terms, such as child custody and access, support payments, property division, and any other relevant matters.
  3. Incorporation into Court Order: To make the mediation agreement legally binding and enforceable, it is common practice to incorporate the agreement into a court order. This involves filing the agreement with the court and obtaining an order that reflects the terms of the agreement. This step provides the agreement with the force of a court order and enables enforcement if necessary.
  4. Independent Legal Review: Before signing the court order, it is essential for each party to have their own lawyer review the document to ensure that their rights and interests are protected. This step helps verify that the agreement is fair, complies with the law, and is in both parties’ best interests.

By following these steps, the mediation agreement can be transformed into a legally binding document that provides the enforceability and protection. It is important to consult with legal professionals to understand the requirements and processes for making a mediation agreement legally binding in Ontario.

Why is divorce mediation good?Ken Maynard CDFA, Acc.FM2024-06-07T15:07:50-04:00

Divorce mediation offers several benefits that make it a favourable option for couples going through a divorce. Here are some reasons divorce mediation is good:

Maintains Control: In mediation, the parties have greater control over the outcome. They actively participate in the decision-making process rather than leaving the decisions solely in the hands of a judge. This empowers the individuals involved to shape the terms of their divorce based on their unique needs and circumstances.

Promotes Amicable Resolutions: Mediation encourages open communication, cooperation, and problem-solving. It fosters a more amicable and respectful environment compared to an adversarial court process. Mediation focuses on finding mutually agreeable solutions that prioritize the best interests of both parties, allowing for a smoother transition and potentially preserving relationships, particularly in cases involving children.

Cost-Effective: Mediation is often more cost-effective than traditional litigation. It typically involves fewer sessions and less time spent in court, resulting in lower legal fees. The parties share the cost of mediation, reducing the financial burden compared to the individual representation required in a litigated divorce.

Confidential and Private: Mediation proceedings are confidential, ensuring that sensitive information shared during sessions remains private. This confidentiality creates a safe space for open and honest discussions, encouraging parties to freely express their concerns and explore potential solutions without fear of public disclosure.

Flexible and Customized Solutions: Mediation allows for flexible and creative problem-solving. The parties can tailor their agreements to meet their specific needs rather than adhering to strict court-imposed solutions. This flexibility enables more customized outcomes, particularly regarding child custody, visitation schedules, and division of assets.

Reduces Emotional Stress: Mediation provides a supportive and non-adversarial environment that can reduce the emotional stress often associated with divorce. The mediator helps manage emotions, facilitates constructive communication, and focuses on finding mutually satisfactory resolutions, ultimately promoting a healthier transition for everyone involved.

Overall, divorce mediation offers an alternative approach that prioritizes collaboration, empowerment, and long-term satisfaction. By choosing mediation, individuals can make informed decisions, maintain control over their divorce process, and work towards agreements that reflect their unique needs and goals.

What is the hardest part of divorce mediation?Ken Maynard CDFA, Acc.FM2024-06-07T15:07:52-04:00

The hardest part of divorce mediation can vary depending on the specific circumstances and the dynamics between the parties involved. However, some common challenges that couples may encounter during mediation include:

  1. Emotional Turmoil: Divorce is an emotionally charged process, and navigating the emotional aspects can be challenging. Dealing with grief, anger, resentment, and other intense emotions can make it difficult to engage in productive discussions and make clear-headed decisions. Managing emotions and effectively communicating despite the emotional strain can be one of the most challenging aspects of divorce mediation.
  2. Power Imbalance: Power dynamics can exist in relationships and may persist during mediation. When one party feels overpowered or disadvantaged, it can hinder the negotiation process. Achieving a sense of fairness and ensuring that both parties have equal opportunities to express their concerns and perspectives is crucial but challenging to navigate.
  3. Complex Financial Matters: Divorce often involves intricate financial considerations such as asset division, spousal support, and child support. Understanding the financial implications and finding equitable solutions can be daunting, especially when substantial assets or complex financial structures are involved. The parties may need to consult additional experts, such as financial advisors or accountants, to grasp the financial aspects and make informed decisions fully.
  4. Communication and Miscommunication: Effective communication is essential for successful mediation, but miscommunication or breakdowns in communication can occur. Differences in communication styles, misunderstanding intentions, or difficulty expressing needs and concerns can hinder progress. Overcoming communication barriers, listening actively, and communicating clearly can be significant challenges.
  5. Resistance to Change: Divorce represents a significant life transition, and it often involves adjusting to new roles, routines, and living arrangements. Some parties may resist change or struggle to envision a future beyond marriage. Overcoming resistance and embracing the opportunities for growth and a fresh start can be emotionally challenging.

It’s important to recognize that these challenges are not insurmountable, and a skilled mediator can help guide the parties through them. By fostering open communication, addressing emotional concerns, and providing support and guidance, mediators help parties overcome obstacles and work towards reaching mutually satisfactory agreements.

What are the 3 types of divorce mediation?Ken Maynard CDFA, Acc.FM2023-08-14T19:51:46-04:00

The three main types of divorce mediation commonly practiced are facilitative, evaluative, and transformative. Here’s a brief explanation of each:

Facilitative Mediation: This type of mediation focuses on facilitating open communication and guiding the parties through reaching a mutually acceptable agreement. The mediator acts as a neutral facilitator, helping the parties identify their issues, explore possible solutions, and make informed decisions. The mediator does not provide legal advice or decisions on behalf of the parties but helps foster a cooperative environment where the parties can collaborate to find resolutions.

Evaluative Mediation: In evaluative mediation, the mediator takes a more proactive role in providing legal guidance and expertise. They may assess the strengths and weaknesses of each party’s legal position and offer their evaluation or opinion on potential outcomes if the case were to go to court. Evaluative mediators may also suggest potential settlement options based on their legal knowledge and experience. I often used this approach in more complex cases or when the parties seek a mediator’s expert assessment of the likely legal outcomes.

Transformative Mediation: Transformative mediation empowers parties and promotes personal growth and understanding. The mediator encourages open communication, active listening, and recognition of each party’s perspective. The goal is not solely to settle but to transform the relationship and dynamics between the parties. Transformative mediators help the parties develop their problem-solving skills and support them in finding their own solutions. This type of mediation focuses on addressing the underlying issues and facilitating personal and relational growth.

It’s important to note that these types of mediation are not mutually exclusive, and mediators often integrate elements from different approaches based on the needs and dynamics of the specific case. The chosen mediation style will depend on the parties’ preferences, the nature of the dispute, and the desired outcomes.

How does divorce mediation work in Ontario?Ken Maynard CDFA, Acc.FM2024-06-07T15:07:54-04:00

Divorce mediation in Ontario is a process in which a neutral third party, known as a mediator, assists couples in resolving their divorce-related issues outside of the courtroom. The mediator facilitates constructive communication and guides the parties toward reaching mutually acceptable agreements.

Here’s a general overview of how divorce mediation works in Ontario:

Initial Consultation: The process begins with an initial consultation, where the mediator explains the mediation process, its benefits, and addresses any concerns or questions the couple may have. This consultation allows the couple to assess whether mediation is the right approach for them.

Sessions and Discussions: If both parties agree to proceed with mediation, they will attend mediation sessions with the mediator. During these sessions, the mediator helps the couple identify their issues, concerns, and goals. They guide discussions to foster understanding, encourage effective communication, and facilitate productive negotiations.

Information Gathering: The mediator may request relevant financial documents, such as bank statements, tax returns, or property valuations, to facilitate informed decision-making during the mediation process. Full disclosure of financial information is essential for fair and equitable agreements.

Issue Identification and Exploration: The mediator assists the couple in identifying and prioritizing the key issues that need to be resolved, such as child custody, spousal support, division of assets, and more. They explore different options and help the couple consider creative solutions that meet their unique needs and circumstances.

Negotiation and Agreement: With the mediator’s guidance, the couple engages in negotiations to find common ground and reach agreements on each issue. The mediator ensures that both parties have an equal opportunity to express their views and concerns. The goal is to create durable and mutually satisfactory agreements that promote a cooperative post-divorce relationship.

Finalizing the Agreement: Once the couple has reached agreements on all relevant issues, the mediator can draft a memorandum of understanding or a separation agreement reflecting the terms of their settlement. It is advisable for each party to have an independent lawyer review the agreement before signing it to ensure their rights and interests are protected.

It’s important to note that divorce mediation is a voluntary process, and any agreements reached are not legally binding until they are incorporated into a court order or separation agreement.

By choosing mediation, couples in Ontario can actively participate in the decision-making process, maintain control over their outcomes, and work towards a more amicable and cost-effective resolution to their divorce.

What is the success rate of mediation in Ontario?Ken Maynard CDFA, Acc.FM2024-06-10T21:57:15-04:00

The success rate of mediation in Ontario is high, in the area of 80%. While specific statistics may vary, mediation has proven to be an effective method for resolving disputes and reaching mutually satisfactory agreements.

One of the key advantages of mediation is that it empowers the parties involved to participate in the decision-making process actively. With the guidance of a skilled mediator, individuals can openly communicate, express their interests, and work together to find common ground. This collaborative approach often leads to more durable and customized solutions that meet the parties’ unique needs.

Successful mediation outcomes depend on various factors, including the willingness of the parties to engage, their commitment to finding common solutions, and the expertise of the mediator facilitating the sessions. When these elements align, mediation is likely to achieve positive results.

It’s important to note that success in mediation is not solely defined by reaching a complete agreement on every issue. Even partial agreements or narrowing down areas of disagreement can be successful outcomes, as they help pave the way for further negotiations or other dispute resolution methods if necessary.

Mediation provides a valuable alternative to traditional litigation, offering a higher potential for resolving conflicts amicably and preserving relationships. The success rate of mediation in Ontario underscores its effectiveness in helping individuals find mutually beneficial solutions outside of the courtroom.

My partner is a strong-willed personality. Surely that gives them an advantage in mediation?Ken Maynard CDFA, Acc.FM2025-06-16T12:47:05-04:00

Strong personalities do not gain advantages in mediation as the process ensures equal participation for all parties

Professional mediators are specifically trained to maintain a balanced and fair environment where both parties have equal opportunities to express their views. The mediation process includes built-in safeguards to prevent any single participant from dominating discussions. If one party attempts to overpower or intimidate the other, the mediator will:

  • Immediately address the behaviour and rebalance the dialogue
  • Ensure each person receives equal speaking time and consideration
  • Pause or terminate sessions if equal participation cannot be maintained
  • Provide additional support to help less assertive participants express themselves effectively

Experience shows that seemingly “quieter” partners often achieve their desired outcomes through mediation, as the structured format allows them to communicate their positions clearly without confrontation.

What happens during divorce mediation?Ken Maynard CDFA, Acc.FM2025-06-16T09:32:42-04:00

Divorce mediation involves structured sessions where couples work with a mediator to reach agreements on key issues

During divorce mediation, a trained mediator facilitates structured discussions between both parties in sessions lasting 1-2 hours. The process typically follows these key steps:

  • An initial meeting to identify and prioritize all issues requiring resolution
  • Collection of essential documentation, particularly financial records and relevant information
  • Multiple sessions focused on finding mutually acceptable solutions through guided discussion
  • Consultation with external experts when necessary (financial advisors, child specialists, etc.)
  • Mediator guidance on legal frameworks and common resolution approaches
  • Development of a written settlement agreement once all issues are resolved

The final settlement document undergoes review by both parties and their respective lawyers before being formalized. This collaborative approach typically proves more cost-effective and less adversarial than traditional divorce proceedings.

We have already hired a lawyer. Is it too late for mediation?Ken Maynard CDFA, Acc.FM2025-06-13T21:07:27-04:00

Mediation remains a viable option even after hiring a lawyer

It’s never too late to pursue mediation as a dispute resolution method, even if you’ve already retained legal counsel. Many clients successfully transition to mediation after initially working with lawyers. In fact, having legal representation can be beneficial during the mediation process, as your lawyer can:

  • Provide valuable legal advice throughout mediation
  • Review any agreements before signing
  • Work collaboratively with the mediator
  • Continue representing your interests if mediation doesn’t resolve all issues

The flexibility of mediation allows you to begin the process at any stage of your dispute, potentially saving time and money while maintaining better relationships between parties.

I have a few more questions. What’s the best way to reach you?Ken Maynard CDFA, Acc.FM2025-06-13T20:59:17-04:00

Schedule a free 15-minute consultation call to get your questions answered

The most efficient way to get personalized answers to your questions is through our complimentary consultation call. During this focused 15-minute discussion, we can:

  • Address your specific questions and concerns
  • Determine the best course of action for your situation
  • Outline potential next steps
  • Provide relevant guidance and recommendations

You can easily book your consultation by using our online scheduling system. Our team is committed to ensuring you receive the information and support you need to move forward with confidence.

Why use mediation if we are unable to agree?Ken Maynard CDFA, Acc.FM2025-06-13T20:58:23-04:00

Mediation provides expert guidance and fresh perspectives to help find solutions when parties feel stuck

A professional mediator brings specialized skills and experience to help parties overcome negotiation roadblocks. Rather than an inability to agree, most disputes stem from challenges in finding the right path forward. Mediators offer:

  • Neutral third-party perspective to help see beyond emotional barriers
  • Proven conflict resolution techniques to facilitate productive discussions
  • Creative problem-solving approaches to uncover previously unconsidered options
  • Professional guidance to help parties explore mutually beneficial solutions
I am skeptical mediation will work for us, is mediation expensive to try?Ken Maynard CDFA, Acc.FM2025-06-12T22:29:48-04:00

Mediation is a low-risk, cost-effective first step before pursuing legal action

Starting with divorce mediation is a financially prudent choice since it operates on a pay-as-you-go basis with minimal upfront commitment. The initial investment is typically just a few hundred dollars to explore the possibility of reaching an agreement. If mediation proves unsuccessful, you can still proceed with traditional legal channels and Family Court.

  • No large retainer fees required
  • Pay only for the sessions you attend
  • Potential savings of thousands of dollars compared to litigation
  • Freedom to discontinue if progress isn’t being made
  • Option to pursue legal action remains available

Most couples who begin mediation successfully reach a settlement, making it a worthwhile investment that can help avoid costly court proceedings while maintaining control over the outcome.

What if I don’t want to be in the same room as the other party?Ken Maynard CDFA, Acc.FM2025-06-13T20:03:09-04:00

Virtual divorce mediation allows you to participate remotely without being in the same room as your ex-spouse.

Through secure online video conferencing, you can engage in professional divorce mediation from separate locations of your choice. This modern approach offers several benefits:

  • Enhanced comfort and reduced stress by maintaining physical distance
  • Convenient participation from home or office
  • Same professional mediation quality as in-person sessions
  • Secure and confidential digital platform
  • Flexible scheduling options to accommodate both parties
What happens after divorce mediation?Ken Maynard CDFA, Acc.FM2025-06-13T20:57:24-04:00

After divorce mediation, the mediator drafts a settlement agreement that both parties must review and finalize through legal channels.

Once divorce mediation concludes, several important steps follow to formalize the agreement and complete the divorce process. The mediator prepares a detailed memorandum of understanding that outlines all decisions made during mediation sessions. This document covers key aspects like property division, child custody arrangements, and financial obligations.

The typical post-mediation process includes:

  • Review of the draft agreement by both spouses and their respective lawyers
  • Conversion of the mediation agreement into a formal separation agreement
  • Filing of necessary court documents to obtain a divorce judgment
  • Implementation of the agreed-upon terms regarding assets, support payments, and parenting arrangements
  • Completion of any required documentation for property transfers or pension division

It’s important to note that while mediation creates the framework for divorce settlement, the agreement only becomes legally binding after proper court filing and judicial approval.

What if we don’t live near one of your offices?Ken Maynard CDFA, Acc.FM2025-06-13T20:56:43-04:00

We offer convenient online mediation services accessible from anywhere in Canada

Distance is never a barrier to accessing our professional mediation services. Through our secure virtual mediation platform, we help couples navigate their separation and divorce regardless of their location. Our online sessions provide the same high-quality mediation experience as in-person meetings, with added flexibility and convenience.

  • Conduct sessions from the comfort of your home
  • Save time and travel costs
  • Access professional mediators across time zones
  • Use any device with internet connection
  • Maintain complete confidentiality and privacy
Can I Only Get Finance-Related Divorce Mediation?Ken Maynard CDFA, Acc.FM2025-06-13T20:55:56-04:00

Yes, you can choose finance-only mediation while addressing other divorce matters separately

While divorce mediation typically covers multiple aspects of separation, you have the flexibility to focus specifically on financial mediation if that’s your preference. Financial matters often require specialized expertise, particularly for complex situations involving:

  • Asset division and property settlements
  • Pension and retirement account distribution
  • Business valuations and ownership splits
  • Investment portfolio allocations
  • Tax implications of divorce settlements

Though we offer comprehensive divorce mediation services, our specialized financial expertise makes us particularly qualified to handle monetary aspects of your separation. You may choose to work with other professionals for non-financial matters while leveraging our financial knowledge for optimal results in property and asset division.

Will you tell us what to do?Ken Maynard CDFA, Acc.FM2025-06-13T20:03:56-04:00

A divorce mediator facilitates discussion between spouses rather than providing direct advice.

A divorce mediator serves as a neutral facilitator who helps couples communicate effectively and reach their own agreements. Unlike other divorce professionals, mediators do not make decisions or provide specific recommendations. However, when working as a Certified Divorce Financial Specialist, different services are available:

  • Professional guidance on asset division
  • Recommendations for childcare arrangements
  • Analysis of spousal support options
  • Financial planning advice

It’s important to note that these roles remain separate – a professional can serve as either a mediator or financial specialist for a given case, but not both simultaneously, to maintain objectivity and avoid conflicts of interest.

What’s the best way to prepare for divorce mediation?Ken Maynard CDFA, Acc.FM2025-06-13T20:00:47-04:00

Effective divorce mediation requires thorough financial documentation, clear priorities, and a willingness to compromise

Preparing properly for divorce mediation can significantly improve your chances of reaching a fair settlement while saving time and money. The key is to be organized and maintain a constructive mindset throughout the process.

  • Gather financial documents including tax returns, bank statements, investment accounts, property assessments, and debt records
  • Identify your priorities by creating a list of must-have outcomes versus items where you’re willing to be flexible
  • Consider your partner’s perspective and anticipate their key concerns and priorities
  • Prepare discussion points in advance to ensure all important topics are addressed
  • Maintain a cooperative attitude and be ready to compromise on less critical issues to achieve your main objectives

Remember that mediation is typically charged hourly, so focusing on significant issues rather than minor details will help manage costs effectively. Consider consulting divorce preparation resources or speaking with a mediator beforehand to ensure you’re fully prepared for the process.

Who pays for divorce mediation Ontario?Ken Maynard CDFA, Acc.FM2025-06-13T19:58:54-04:00

Divorce mediation costs in Ontario are typically shared equally between both parties

In Ontario, divorce mediation costs are usually split 50-50 between spouses, though couples can negotiate different arrangements based on their financial situations. The total cost includes several components:

  • Mediator fees – The primary expense, typically charged hourly or as a package
  • Administrative costs – Including document preparation and filing fees
  • Professional fees – Such as lawyers or financial advisors when needed

Financial assistance options are available for eligible individuals through Legal Aid Ontario and community mediation services. Some mediators also offer sliding-scale fees based on income. It’s recommended to discuss cost arrangements during the initial consultation to ensure both parties understand their financial obligations before beginning the mediation process.

How much does divorce mediation in Ontario cost?Ken Maynard CDFA, Acc.FM2025-06-13T19:55:07-04:00

Divorce mediation in Ontario typically costs between $150-500 per hour, with total costs varying based on case complexity

The overall cost of divorce mediation in Ontario depends on several key factors that can influence the final price. Understanding these components can help couples budget appropriately for their mediation process.

Primary cost factors include:

  • Mediator’s hourly rate ($150-500/hour based on experience and location)
  • Number of sessions required (typically 3-6 sessions)
  • Case complexity (affecting total time needed)
  • Additional professional fees (financial advisors, document preparation)

While the initial cost may seem significant, divorce mediation typically proves more cost-effective than traditional litigation. Many mediators offer flexible payment options, including package rates and payment plans. Most importantly, couples can schedule a complimentary consultation to discuss specific costs and process details before committing to mediation services.

External links that may interest you

About the Author:
Ken Maynard CDFA, Acc.FM

I assist intelligent and successful couples in navigating the Divorce Industrial Complex by crafting rapid, custom separation agreements that pave the way for a smooth transition towards a secure future. This efficient process is achieved in about four meetings, effectively sidestepping the excessive conflicts, confusion, and costs commonly linked to legal proceedings. Clients have the flexibility to collaborate with me either via video conference or in-person through a DTSW associate at any of our six Greater Toronto mediation centers, located in Aurora, Barrie, North York, Vaughan, Mississauga, and Scarborough.

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Ken Maynard CDFA, Acc.FM2024-11-01T15:07:07-04:00