Over the last 20 years, Lance Howard has been working with families to help them define their financial strategy. Lance is committed to helping families decide what is important with their lives so they can make better financial decisions about their time and money. He created the Lifestyle Coach Program™ to lead clients through a structured lifestyle planning process focused on their unique family goals. Lance is registered as a Financial Advisor with Dundee Private Investors Inc.
As a life and qualifying member of the Million Dollar Round Table (1998) and past recipient of the Advisor of the Year Award (2002) for Ontario, Lance is well recognized by his peers and within the industry for his thoughtful approach to strategic investing. Lance is a registered Certified Financial Planner (CFP®) and a Chartered Life Underwriter (CLU).
When it comes to investing, Lance says, “I have two goals for every client. First, I want to be the kind of financial advisor whose integrity and character would be good enough for my own mother. And, second, I want to help each client understand the lifestyle they desire and create with them enough wealth so that they have the resources to live a life with no regrets - the lifestyle they have dreamed about.”
Lance's wife Cathy has worked with him as Branch Manager of their financial planning practice since 1995 (and they are still happily married)! Lance and Cathy are the proud parents of two girls and one boy. In the winter, Lance coaches hockey and taxis all three children to their hockey games. Lance is an avid golfer with a two handicap (subject to change without notice) and likes to read an average of two books per week.
Pat, an Elder Planning Counselor, has been helping people make smart choices with their money for over 35 years. After graduating from the University of Guelph in 1974 with an Honours Degree in Social Sciences, he joined CIBC. Pat provided his clients with quality financial advice and solutions in his capacity as a Branch Manager with CIBC in London for 18 years.
Pat’s ultimate goal was to build his own financial services business and, in 1999, this dream became a reality. Pat’s strengths are in his ability to empathize with the needs of his clients in order to build a personalized plan that provides them long-term financial security. This wisdom coupled with the expertise provided by The Lance Howard Group is the key to Pat’s success. Pat was a previous recipient of the Advisor of the Year Award for the region of Ontario. Pat is registered as a Financial Advisor with Dundee Private Investors Inc.
Pat has been married to his wife; Mary Lou, since 1975 and London will always be their home. They have two sons and six beautiful grandchildren. Pat’s hobbies include golf, hockey (Huff ’n Puff league), as well as being active in his church and community.
Nathan takes a pragmatic approach to financial planning, applying the Lifestyle Coach Program™ to develop a flexible plan for each individual's needs. He is a student of economic history and current events, and applies this knowledge to a principled investing process. Nathan is registered as a Financial Advisor with Dundee Private Investors Inc.
Nathan began his focus on financial education and strategy in 2002, developing a personal finance curriculum in coordination with Junior Achievement of London. Raised in rural Ontario, Nathan remains an avid outdoorsman, conservationist, and adventure seeker.
An active community member, Nathan sits on the Board of Directors for the Glen Cairn Community Resources Centre. He is also the current Co-Chair for the Pillar Community Innovation Awards, which celebrate the individuals, businesses, and government organizations that work together through nonprofits and charities to make our community a brighter place.
Cathy is Branch Manager and responsible for the smooth operation of the practice. She is a licensed Mutual Fund Representative and registered as a Branch Manager with Dundee Private Investors Inc. She joined her husband Lance in the business in 1995. Previously Cathy had spent four years working with the provincial government, and earlier with March of Dimes in London.
Cathy is a graduate of the University of Western Ontario, with a BA in Sociology. She also has a Social Service Worker diploma from Fanshawe College. Cathy has taken steps toward a Masters degree in Sociology, but this has been postponed as she enjoys the challenges of raising three children. Cathy is very active in fitness, particularly running. Cathy is a regular participant in The Weekend to End Breast Cancer walk.
Ann is the part-time (three days a week) Administrative Assistant and works closely with Nancy 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 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 registered as a Licensed Assistant with Dundee Private Investors Inc.
Ann has been married to her husband Dennis since 1983 and is the mother of two daughters. She is active in Community Living London and the Special Olympics. She also enjoys reading and golf, and is a loyal fan of her children’s athletic activities.
Nancy, Elder Planning Counselor, joined the team in March 2007 as Lance's Senior Planning and Administrative Assistant. She aids Lance in case preparation activities, client portfolio analysis and administrative tasks. Nancy brings to The Lance Howard Group experience in the Life Insurance Industry where she worked as a Life Insurance Administrator for Cartier Partners Financial Services Inc. from 2001 - 2004 when they were acquired by Dundee Wealth Management Inc. Nancy then moved to the position of Assistant to the Regional Insurance Manager and then to the Coordinator of Training & Professional Development for Dundee Insurance Agency Ltd., which she held until joining The Lance Howard Group.
Nancy is in the process of working towards her CFP® designation. Nancy is the mother of two children and enjoys watching her daughter play hockey and cooking with her son. In her spare time Nancy enjoys golfing, walking and reading.
Melanie started out at The Lance Howard Group as a summer student in 2005. She was a vital part in making the office move (July 2005) from Waterloo to York Street a seamless one. As she completed her Child and Youth Worker diploma at Fanshawe College she would come back from time to time to file and help out around the office. In April 2007 Melanie accepted a full-time position as an Administrative Assistant for both Lance and Pat. Melanie and her husband Nathan were married in the Spring of 2006 and have one son, Noah, born January 2009. She enjoys being active by rollerblading, hiking and running.
Rod is a Financial Advisor in our Denfield sub-branch with Dundee Private Investors Inc.
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