About MEF

Steve Melling, Broker & Consultant

M.E.F. Services Ltd. was established in 1999 by Stephen J. Melling, CFP, EPC as a broker and consultant firm in the areas of personal lines insurance, and group benefits analysis and implementation. “Steve” started in the industry in 1988 as an agent of a major Life Insurance Company and went on to start a brokerage firm named Melling Estate and Financial Services.

We became specialists concentrating on Estate Planning and Benefit structures over the years which resulted in a name change when we contracted our services to national investment firms such as Midland Walwyn, Merrill Lynch, Wood Gundy and National Bank Financial. Assisting their clients in our areas of expertise we grew to be one of the largest independently owned firms in our market of Western Canada.

As well, we are proud that we established an extensive network of experts in all areas of financial management for our clients. From simple to complex client situations, we deliver holistic solutions personalized to the client’s situation and wishes.

M.E.F. Services Ltd. announced in March 2024 that it had partnered with Acera Insurance Services Ltd. and was joining the firm’s specialty Acera Benefits division.

This partnership will provide local businesses with a broader suite of group benefits and retirement savings solutions, as well as personal lines of insurance. As part of this partnership, M.E.F. Services Ltd. will transition to become Acera Benefits.

You can learn more about this partnership here.


As a Chartered Professional Accountant and Income Tax Specialist, I have had the pleasure of working alongside Steve Melling and MEF Services for several mutual clients over the past 20 years.  Steve’s knowledge on insurance solutions is second to none in the industry.  I have repeatedly witnessed Steve translate that knowledge into custom solutions for unique family situations.   Working with Steve, you will find his advice to be honest and genuine, and you will appreciate his calm, caring and patient approach in guiding you through every step of the process.  It is easy to see why clients of Steve’s quickly become his friends.  When the need for insurance and estate planning arose for my own family, Steve was my first phone call and I have no hesitancy in recommending him to be your first phone call as well.
Alain Nobert, CPA, CA

Myself and my team on iii Global Wealth at NBF, have worked with Steve and MEF Services Ltd. on many mutual clients over the past 18 years. His incredible knowledge, experience and client centric approach is invaluable.
Garth Bluekens, iii Global Wealth

I have been working with MEF Services for 15 years and have found they understand our needs. They are very fair and easy to work with as well as very prompt at returning calls and answering any questions that come up about our Health & Dental Plan. Thanks Steve and Staff for making my life easier. Hope to continue our long relationship with MEF Services. Thanks for being there for us.
John Waldner, Manager – Kingslake Colony

I was referred to Steve and his Team by my Financial Advisor. The intent was to design a tax effective income for me and ultimately pass my assets to my family tax effectively. I am very pleased with what Steve came up with … An Annuity for me and Insurance in my Company that passes tax-free to my family. His (and Marianne’s) attention to detail and patience in explaining everything in an easy-to-understand way, made it easy for me to follow along. I also appreciate the quick and timely responses from Steve and Staff to any messages or correspondence. I highly recommend MEF Services.
Sandy Sutherland

Steve and his staff are always a pleasure to work with. In the 22 years that he has been our representative, Steve has been patient & kind, answering any questions & concerns without judgement.
Joan-Marie Jones, General Manager – Amlog Canada, Inc.

My wife and I met Steve and the team at MEF Services when I was thinking about retiring. We wanted advice on strategies for insuring our estate for future generations of our family.  We got solid advice and a plan to accomplish our goals in a very tax efficient manner. Our transition to retirement was greatly facilitated by the knowledge that our estate is protected regardless of what the future brings, with little impact on the quality of our final years. We highly recommend Steve Melling and MEF Services to anyone wanting to preserve the results of a productive life for the benefit of their loved ones.
Kevin Finn RET, VP, Corporate Communications – Nexen

For professional consultation contact:
Stephen J. Melling, CFP, EPC

M.E.F Services Ltd.
#2, 201 – 2nd Avenue South
Lethbridge, Alberta T1J 0B7
(403) 380-3488