Ann is the firm’s part-time (three days a week) Administrative Assistant and works closely with Lance as they customize and prepare written financial plans for clients of The Lance Howard Group. Ann’s “no-nonsense” approach when dealing with the fund companies and our head office has made her the natural choice for the role of client advocate in the area of mutual fund problem resolution. Ann joined the firm in January of 2001 when she decided to take advantage of the opportunity to take an early retirement from CIBC, the company for which she had worked since 1974. Ann is a licensed Mutual Fund Assistant and has obtained her CSC and PFP designations. Ann has been married to her husband Dennis since 1983 and they have two daughters and one granddaughter. She volunteers with the Special Olympics and enjoys reading, golf and is a loyal fan of her daughters’ athletic activities.