our vision

to be

The most trusted independent authority in corporate life insurance and

strategic planning for business owners and high income earners. We are

committed to delivering measurable value through disciplined analysis

before clients commit to structural change. Our focus is to ensure that

every recommendation strengthens corporate efficiency, tax alignment,

and long term estate outcomes. Ultimately, our work is designed to

support the preservation and transition of intergenerational wealth.

lead with

Experience and technical expertise developed over more than three

decades of successful implementation. We apply practical, reality based

planning strategies grounded in contract knowledge, tax awareness, and

structural discipline. Our objective is to ensure that each solution is

defensible, efficient, and sustainable over time. Through consistent

execution of best practice strategies, we aim to create enduring financial

stability for the families and businesses we serve.

Our Mission

navigate

Our mission is to help business owners navigate succession planning, estate liquidity, and corporate tax exposure with clarity and precision. We apply decades of implementation experience to ensure that life insurance and corporate structures function as intended at critical moments of transition. Through objective market evaluation and structured analysis, we deliver strategies designed to protect capital and sustain family enterprises across generations. We measure success by the long term continuity and financial stability of the businesses and families we advise.

Our mission also extends to strengthening the decision making framework around corporate insurance and tax planning. We believe strategies should be grounded in contract certainty, legislative awareness, and measurable financial impact rather than assumption or habit. By integrating insurance planning with corporate governance and estate objectives, we aim to reduce risk and improve structural efficiency. Our commitment is to provide disciplined guidance that supports orderly succession and the preservation of intergenerational wealth.

Meet the Executive Team

  • Kevin Galandy

    PRESIDENT & CEO

    Kevin L. Galandy has been active in the life insurance and corporate planning industry since 1989 and is recognized as a long-standing industry leader. Over the course of his career, he has earned numerous production and performance awards across multiple insurance carriers.

    For more than three decades, he has consistently ranked as the number one producing advisor with at least one, and in some years two, top 10 Canadian life insurance companies.

    Beyond production recognition, Kevin has worked extensively with insurers to advocate for improved product design, clearer contract language, and greater transparency within policy structures. His involvement in product development discussions has contributed to enhanced accountability across various insurance offerings.

    Kevin has also served as an accredited speaker for the Better Business Bureau and other professional organizations, delivering educational presentations on corporate planning, insurance strategy, and tax integrated wealth planning. In 2026, he is developing a structured series of succession-focused educational resources for business owners and members of the Better Business Bureau to support the transition of successful enterprises to the next generation. His approach combines technical depth with practical implementation experience.

    Through decades of client work, he has maintained a focus on disciplined analysis, structural efficiency, and long-term planning outcomes.

  • Judy Dykman

    VICE PRESIDENT

    Judy Dykman brings more than 31 years of leadership experience and joined Bayside Associates in 2011 as Vice President. As a member of the executive team, she plays a central role in the firm’s strategic direction, operational oversight, and business development initiatives. Judy is responsible for establishing and nurturing key relationships, introducing business owners and professional partners to the services and planning framework offered by Bayside Associates. Her focus is on ensuring that prospective clients clearly understand the firm’s value proposition and long-term planning capabilities.

    With formal studies at Mount Royal University in the Business program and extensive continuing education in business management, marketing, and professional development, Judy brings a strong understanding of today’s evolving business environment. Over the past 13 years, she has worked closely with the Better Business Bureau and its membership.

  • Ciaran Godfrey

    VICE PRESIDENT, EMPLOYEE BENEFITS DIVISION

    Ciaran Godfrey joined Bayside Associates in 2018 as a service advisor and has progressed through the organization to lead the Employee Benefits Division. Through disciplined study and hands-on implementation experience, he has developed extensive expertise in group insurance structure, pricing mechanics, and long-term funding analysis. Ciaran specializes in restructuring traditional employee benefit contracts utilizing the firm’s proprietary algorithm, a structured analytical model designed to identify inefficiencies and determine whether employers are overpaying for existing coverage. This approach allows clients to clearly measure cost alignment, contractual design strength, and sustainability within their current programs.

    Under his leadership, the Employee Benefits Division has emphasized transparency and accountability in how group insurance programs are marketed and placed in Canada. Ciaran has been instrumental in advancing a more data-driven and structurally disciplined approach to employee benefit consulting. Bayside Associates remains committed to improving clarity within the industry and ensuring that benefit programs are aligned with both employer objectives and financial realities. His work reflects a balance of analytical precision and practical execution.

  • Larry Krausert

    VICE PRESIDENT, Edmonton Division

  • Teresa Oldenburger

    ASSISTANT VICE PRESIDENT of OPERATIONS