Get to know us
We are values-driven and care about doing the right thing
We are here to bring forward your vision of a good life with financial security and innovation. We push boundaries to empower your choices beyond the traditional. We value you as part of our family.
We always do what’s right for you.
Our Team
Leadership Team
Wealth Associates
Associates in Training
Admin Team
Ivan Tam
CEO & Managing Partner
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As a University of Waterloo graduate in Economics and Finance, Ivan began his career as an associate at TD Bank eventually growing into a Regional VP at Meritrust Financial Group Inc. Navigating the tumultuous 2000s financial crisis, he was inspired to chart a different path—transforming the financial futures of forward-thinking families through a series of gradual, secure financial choices, rather than high-risk speculative bets. Today, he is pleased to serve over 1,500 (and counting) families in the Open Concept Financial Group community.
Known for his unparalleled work ethic and astute financial savvy, Ivan is an internationally recognized advisor, with distinguished awards such as the MDRT (Million Dollar Round Table) Court of the Table Award for the past 5 years. This elite designation is exclusively awarded to fewer than 10% of advisors globally. Beyond this, Ivan has also been awarded Manulife Elite Advisor, Meritrust Diamond Award winner, and Equitable Life Elite Advisor. These accolades highlight his expertise, but what truly sets Ivan apart is his genuine care and relentless drive for his clients' best outcomes. Ivan works hard to bring a personal touch to all of his interactions with Open Concept clients.
Ivan leads a vibrant life outside his professional achievements, caring for three children, Hannah, Emma, and Gavin, with his partner, Flora. An avid sports enthusiast, he enjoys golf and badminton, and prioritizes family vacations throughout the year, believing they are the cornerstone of beautiful family memories. For Ivan, true success stems from passion, continuous growth, and a determination to achieve winning results for all.
Languages: English & Cantonese
Email Ivan ivan.tam[@]openconceptfg.com
Winnie Tsang
Managing Partner
Languages: English & Cantonese
Email Winnie winnie.tsang[@]openconceptfg.com
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Winnie is a mission-driven entrepreneur and business strategist with a clear vision for transformative impact. As the Managing Partner of Open Concept Financial Group, she spearheads initiatives to build new capabilities that truly serve our families, driving exponential growth and meaningful results. Her mission is to pave pathways to financial freedom, empowering individuals to make intentional choices and live their best lives. Winnie echoes Warren Buffet’s wisdom: “Risk comes from not knowing what you're doing,” and believes that a lack of clarity often leads to passivity—the biggest threat to building lasting wealth.
Winnie is also the founder of Good Work Collective, a consultancy focused on developing scalable tools for an age-inclusive digital future. Growing up in an intergenerational household, lovingly cared for by her grandparents, taught her the importance of strong, healthy relationships across generations. This background fuels her belief that whole family well-being comes from open conversation, and the co-creation of shared values and visions.
Winnie serves as the Board Chair of Hong Fook Mental Health Association, a nonprofit advancing mental well-being for Asian communities in the GTA. She is a lifelong learner, proud alum of the Richard Ivey School of Business, and recently completed an EMBA at Rotman School of Management, specializing in health system transformation. As a certified Positive Psychology Practitioner, she integrates these practices into her work, guiding individuals and teams toward resilience and growth.
Alan Yu
VP, Wealth Solutions
Languages: English & Korean
Email Alan alan.yu[@]openconceptfg.com
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Ten years ago, Alan took a leap from his corporate finance career track to forge his own path, driven by a desire to help others achieve their financial dreams. He saw too many families setting unclear goals and timelines—either too short-term or overly long-term—without truly understanding what they needed to create their vision of a good life. With determination and smart guidance, everyone can craft a purpose-driven, adaptable financial plan that maximizes each dollar. This delicate balance is Alan’s passion, and brings him the greatest joy, and for his clients, the greatest experience of financial freedom.
As an internationally acclaimed Wealth Strategist at Open Concept Financial Group, Alan has been a steady guide for countless families navigating new beginnings, life transitions, and wealth transfers. His blend of expertise and empathy has earned him the trust of clients - who often describe him as loyal, determined and present. In this day and age of transactional, robo-advisory services, Alan’s approach is both refreshing and empowering. Alan's personalized, values-driven strategies have enabled families to find stability and growth.
At home, Alan is a proud father to three energetic children. His oldest, Dylan, is always full of conversation. His second son, Tristan, approaches everything with determination. His fearless daughter, Riley, loves to explore. Alan's wonderful wife, Michelle, keeps the family running smoothly and ensures everyone is on their best behaviour.
With a unique blend of professional expertise and personal warmth, Alan continues to transform lives and build lasting financial legacies.
Alex Su
VP, Wealth Solutions
Languages: Mandarin, Cantonese, English
Email Alex alex.su[@]openconceptfg.com
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Alex is a trusted and sought-after financial advisor dedicated to safeguarding wealth through comprehensive financial protections. While many focus on earning and investing money, Alex emphasizes the importance of protecting it. He provides holistic advice that covers all aspects of financial life, including investment management, estate planning, insurance solutions, and tax optimization.
Fluent in Mandarin, Cantonese, and English, Alex has a deep understanding of Chinese culture, values, and traditions. This cultural insight, combined with his expertise, makes him an invaluable advisor. With a global perspective, Alex navigates complex corporate insurance needs and cross-border financial planning. Clients appreciate his unwavering loyalty and commitment to their financial success and well-being.
Alex's excellence has been recognized with prestigious awards, including membership in the Million Dollar Round Table (MDRT). He has also been named a Top Advisor by iA financial and Canada Life, underscoring his expertise and dedication.
Outside of work, Alex enjoys daily round of golf in the summer and snowboarding in the winter. This balance of work and leisure reflects his philosophy of enjoying life while maintaining a solid progressive plan for the future.
Combining professional skill with cultural awareness, Alex is the ideal partner for families looking to build wealth with clarity and confidence. He is a strong advocate for risk management and wealth preservation, focusing on protecting assets while seeking growth opportunities.
Gary Ng
VP, Wealth Solutions
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Gary brings a unique blend of expertise and innovation to Open Concept Financial Group. An actuary by profession, he masterfully navigates the complexities of risk management with sharp financial and mathematical insights. Gary’s out-of-the-box thinking and strong advocacy for financial literacy empower clients to grasp the essentials of personal finance and make wise decisions.
Gary believes in the power of small, calculated steps toward achieving big goals. He emphasizes understanding and embracing calculated risks, and meticulously planning for each stage of life. This philosophy underpins his commitment to helping clients fully appreciate the financial choices they encounter.
Gary's dedication goes beyond mere numbers. His clients speak highly of his resourcefulness, driven approach, and genuine empathy. He has a knack for turning strategic insights into practical advice, making him an indispensable advisor.
In Gary’s world, every financial decision is a step towards a well-planned future. His ability to merge strategic thinking with a personal touch has earned him deep respect and trust from those he guides.
Languages: English & Cantonese
Email Gary gary.ng[@]openconceptfg.com
Alvin Lau
Wealth Associate
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Alvin is a graduate of the University of Toronto with a Bachelor of Commerce and holds the FCSI designation, one of the highest honours in Canadian financial services. He brings a clear and steady approach to financial planning, shaped by his deep roots in financial literacy.
He believes cash flow is the foundation of lasting financial strength—more than investment returns or market timing. Whether it’s saving with intention, tracking expenses, or building an emergency buffer, Alvin helps clients build financial habits that create confidence and control.
Outside of work, Alvin is a marathon runner, skier, snowboarder, and lifelong basketball fan (especially when the Raptors are on). He and his wife Renee, a renovation consultant, share their love of service through children’s ministry at their church while raising two bright daughters: Vivienne, a curious pianist, and Arienne, an energetic gymnast.
Alvin leads with clarity, competence, and care, supporting families as they grow into financial security with purpose.
Languages: English & Cantonese
Email Alvin alvin.lau[@]openconceptfg.com
CJ Kuseler
Wealth Associate
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As a husband and father, CJ understands the value of trust and open communication, both at home and in the relationships he builds with clients. Rooted in legacy and leadership, he helps families lay strong financial foundations and build lasting wealth.
CJ holds a degree in Business Administration and brings a rare blend of creativity and strategy. He’s a certified copywriter through Ray Edwards and a graduate of Heroic Public Speaking, giving him the tools to make complex financial ideas clear, engaging, and actionable.
He’s led his career in many directions, with intention. What ties it all together is a belief that solid financial planning creates the freedom to take bold steps, while still protecting what matters most. His own planning has given him the courage and confidence to explore, while keeping his family secure.
Outside of work, CJ is a certified shark diver and deep diver, a lionfish tracker, and a musician who plays bass, guitar, and drums. He also finds time to read and write.
He’s especially passionate about the overlooked value of segregated funds and whole life policies. In a market full of unstable, tax-heavy options, he helps clients see the long-term value of insurance-led strategies.
With focus and care, CJ helps clients build financial blueprints they can count on.
Languages: English, American Sign Language (ASL)
Email CJ cj.kuseler[@]openconceptfg.com
Eric Chan
Wealth Associate
Languages: English, Cantonese, Mandarin
Email Eric eric.chan[@]openconceptfg.com
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Eric is a licensed mortgage broker (RMAC) and LLQP advisor who helps individuals and families plan for long-term financial security. Known for his integrity and thoughtful guidance, he creates personalized strategies that balance short-term needs with future goals. His own portfolio includes segregated funds, RESPs, US stocks, and international real estate—built around protection, growth, and lasting value.
His biggest inspiration is his family. Eric’s two daughters bring creativity and energy into his life—his eldest an imaginative artist and storyteller, his youngest a spirited dancer who keeps joy front and center.
Outside of work, Eric enjoys cooking Hong Kong-style dishes, playing badminton and table tennis, and camping with his family. These hobbies ground him in the present and remind him that a well-lived life blends preparation with presence.
He often reminds clients that investing doesn’t require large sums to begin—what matters is consistency and timing. He champions strong cash flow habits to help clients spend mindfully, save intentionally, and invest with confidence.
Felix Lam
Wealth Associate
Languages: English & Cantonese
Email Felix felix.lam[@]openconceptfg.com
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Felix is a master of many diverse domains. As a University of Waterloo Computer Engineering graduate, he holds certifications in ITIL Foundation and Python Specialist. In his role as a licensed insurance agent, he blends technical expertise with a strong client focus.
Felix's stellar performance is evident in his well recognized achievements. He is consistently ranked as an exceptional performer, and has been honored with Achievers awards annually since 2017, including the prestigious 1000 Moment Maker award in 2023.
Valuing financial literacy and strategic advancement, Felix works to enhance his clients' net worth potential and protect their assets. He is a champion for using premium financing for insurance segregated funds, a strategy that is powerful and often overlooked. By focusing on these nuanced approaches, Felix accelerates the financial security and success of the many families he serves.
Outside of work, Felix enjoys basketball, cycling, badminton, and tennis. He is an active financial leader at his Church, previously serving as Chairman and Treasurer. Felix deeply values quality time with his wife, Rosita, and their sons, Caleb and Cyrus, who are in their pre-teen and early teen years.
Felix’s reputation as a trusted advisor is built on his honesty, analytical sharpness, and steady professionalism, appreciated by all his clients.
Fiona Lai
Wealth Associate
Languages: English & Cantonese
Email Fiona fiona.lai[@]openconceptfg.com
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Fiona brings a unique energy and expertise to Open Concept Financial Group. Armed with a Life License (LLQP), Chartered Accountant (CA, CPA) credentials, and a Masters of Accountancy (MaCC), she champions sustainable wealth growth through life insurance, real estate investments, and segregated funds.
At home, Fiona’s life is as dynamic as her career. Her husband, Jacky Lee, revels in the thrill of his new motorcycle license. Their daughter, Jacelyn, is a budding artist at 12, while 10-year-old Flynn finds his joy in outdoor adventures. Fiona herself is a whirlwind of interests—kickboxing, Canto-pop, and an impressive knack for home organization.
The families Fiona serves often highlight her meticulous organization, logical thinking, and sharp analytical skills. Her structured approach is always paired with a personal touch, earning her trust and respect. Fiona’s dedication to helping families navigate their financial journeys is evident in every interaction, bringing clarity and confidence into their financial decisions.
Roy Zhang
Wealth Associate
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Roy is a dedicated financial professional who holds the CFP, PFP, and LLQP designations. He brings a calm, steady presence to financial planning, working alongside clients to build well-rounded portfolios that reflect what matters most to them. His approach is both strategic and deeply human, blending insurance expertise and long-term planning with a focus on real-life priorities.
Married with two young children, Roy finds purpose in being present—for his family, for his clients, and for the goals they’re building toward. Whether he’s watching his kids grow, shooting hoops, or traveling with his family to experience new cultures, he draws perspective from the things that bring joy and meaning.
Roy believes estate and tax planning aren’t just technical necessities—they’re acts of care. He helps clients think through these decisions with empathy and clarity, making sure every choice aligns with their values, their hopes for the future, and the legacy they want to leave behind.
Described by both peers and clients as thoughtful, reliable, and grounded, Roy brings intention to every conversation. He empowers people to move forward with clarity and confidence—on their terms, at their pace, with a partner they can trust.
Languages: English, Cantonese, Mandarin
Email Roy roy.zhang[@]openconceptfg.com
Alpha Shih
Associate-in-Training
Languages: English, Cantonese, Mandarin
Email Alpha alpha.shih[@]openconceptfg.com
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In addition to holding his LLQP designation, Alpha is an entrepreneur and proud graduate of the University of Toronto. He brings a thoughtful blend of scientific curiosity, business instinct, and a steady commitment to personal growth into every part of his work. Whether he’s supporting clients or building new ventures, Alpha leads with intention, creativity, and care.
Outside of the boardroom, Alpha finds joy in movement and music—playing tennis, swimming, and expressing himself through the piano and violin. These outlets keep him grounded and inspired, fueling his drive to keep learning and growing. His passion for continuous improvement shapes both his professional life and his mission to help others build stronger, more secure financial futures.
Whether he’s launching innovative software, expanding his auto beauty business, or exploring new ideas, Alpha brings energy and discipline to the challenges he takes on. He isn’t afraid to test limits—always looking for better ways to grow, serve, and lead.
Described by those who know him as a balanced risk taker, a quick study, and someone who leads with respect, Alpha is driven by a clear and steady purpose: to turn potential into meaningful progress—for himself, for his clients, and for every business he’s part of.
John Leonard
Associate-in-Training
Languages: English
Email John john.leonard[@]openconceptfg.com
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John is a licensed mortgage agent and a certified Life and Living Benefits Advisor, proudly holding his LLQP designation. He’s passionate about guiding individuals and families through their financial journey with clarity, confidence, and a sense of possibility. Married to his wife Jen and a proud father to four energetic children—Brynlee, Harper, Paice, and Linkin—John draws daily inspiration from his role as a parent, building a secure and thriving future for both his family and those he serves.
With a sharp mind for numbers and a natural gift for strategic thinking, John offers a thoughtful mix of insight, innovation, and compassion in the world of personal finance. A self-proclaimed math nerd and committed lifelong learner, he’s especially interested in marketing and sports, always exploring fresh ways to engage, educate, and empower the people he works with.
John encourages his clients to reimagine what’s possible—because with the right strategy and steady support, growth can exceed expectations. Whether navigating complex decisions or planning for the years ahead, he’s committed to helping others maximize their financial potential and stay grounded in what matters most.
Described by those around him as strategic, trustworthy, and empowering, John is the kind of guide who shows up with clarity, listens with care, and stays focused on helping people move forward with confidence.
Justin Mar
Associate-in-Training
Languages: English
Email Justin justin.mar[@]openconceptfg.com
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Driven by deep gratitude and admiration for his family, Justin credits his success-oriented mindset to his mother, whom he considers his personal superhero. Her selfless sacrifices and unwavering commitment to her family continue to fuel his ambition to build a life where he can give back and provide her with the comfort and stability she deserves. From his father, Justin learned that true respect isn’t earned through status, but through humility and a heart for serving others - values that continue to shape his personal and professional approach.
Justin also shares a close bond with his younger sister and their beloved family cat. Outside his professional life, he enjoys working out, playing sports, going on walks, exploring new restaurants and winding down with video games.
A strong believer in financial discipline, Justin is particularly focused on raising awareness about lifestyle inflation - the often overlooked tendency to increase spending as income grows. He emphasizes the importance of maintaining healthy financial habits as a cornerstone for long-term wealth and early retirement.
Grounded, transparent and highly efficient, Justin brings a practical and results-driven approach to everything he does, with a steady focus on helping others build sustainable financial futures.
Kelvin Lee
Associate-in-Training
Languages: English & Cantonese
Email Kelvin kelvin.lee[@]openconceptfg.com
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Kelvin is a seasoned finance professional with over 20 years of experience in the industry. Holding a Bachelor of Commerce degree, he brings a strong foundation in financial principles, complemented by a pragmatic approach to client service and strategy. Known for being efficient, trustworthy and a problem solver, Kelvin is deeply committed to helping individuals make informed financial decisions.
He believes that understanding the balance between risk and reward is one of the most underestimated elements of personal finance - an insight he consistently highlights to help clients build lasting financial confidence.
Outside of the office, Kelvin is a devoted husband and proud father to his son. He lives life with a playful spirit, enjoying everything from golf and snooker to karaoke, poker and just about any activity that brings fun and connection.
Whether guiding clients through complex financial landscapes or hitting the green on a weekend, Kelvin brings focus, energy, and authenticity to everything he does.
Robert Baggetta
Associate-in-Training
Languages: English
Email Robert robert.baggetta[@]openconceptfg.com
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Robert holds a Bachelor of Commerce degree with a specialization in Finance, and is licensed under the Life License Qualification Program (LLQP). With a passion for building - whether it’s businesses, long-term wealth strategies, or flexible financial systems - Robert brings both precision and vision to his work.
Outside of the professional realm, Robert is a natural entrepreneur, often exploring ideas that turn into income. He enjoys diving into historical patterns and running real estate scenarios, using them as intellectual playgrounds for exploring future possibilities. He’s intentional with his time and energy, firmly believing that clarity emerges when things slow down. Golf is one of his favorite ways to find mental rest, enjoy competition and deepen relationships.
Robert is grounded by his values - especially family. No matter how fast-paced life or business gets, he will always carve out time for those who matter most. That same intentionality carries into his professional life. A core belief Robert champions is that attention is our most valuable currency in today’s distraction-driven world. In an age of constant digital interruption, Robert advocates for curating a purposeful “information diet” - a strategy that empowers people to reclaim their time, make sharp decisions, and cultivate habits that drive long-term growth.
Professionally, Robert is best described in three words: helpful, truthful and quick - qualities that share how he serves clients, builds ventures and approaches life.
Staci-Ann Wan
Associate-in-Training
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Staci-Ann is a licensed financial professional who brings empathy, resourcefulness, and clear, thoughtful communication to every client interaction. As a mom to a vibrant and energetic daughter, she deeply understands the importance of planning for the future while staying present for life’s everyday demands and joys.
She holds her LLQP (Life License Qualification Program) certification and is committed to helping individuals and families take meaningful steps toward long-term financial security. Her approach is grounded in care, clarity, and action—always tailored to what matters most to the people she serves.
Staci-Ann’s philosophy toward personal finance is simple yet powerful: if you don’t start now, when will you start? She encourages her clients to move beyond hesitation, guiding them to take that first important step toward building a secure and intentional financial future.
Outside of work, Staci-Ann enjoys staying active through soccer and running, and finds balance in unwinding with her favorite video games. Her wide-ranging interests and practical, down-to-earth mindset make her a relatable and trusted guide on the journey to financial confidence.
Languages: English
Email Staci-Ann staciann.wan[@]openconceptfg.com
Visahan Piratheepan
Associate-in-Training
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Family is at the heart of everything Visahan does. Raised in a hardworking household and shaped by values of resilience, determination, and deep care for others, he saw early how financial challenges affect loved ones. That experience sparked a passion for financial empowerment and showed him how the right knowledge can transform lives.
Visahan holds a Bachelor of Commerce from Toronto Metropolitan University, majoring in Law and Business. This unique academic foundation blends financial principles with legal insight, allowing him to offer strategic advice that protects client interests while supporting long-term goals.
Driven by a genuine desire to help others build financial security and clarity, Visahan takes pride in helping clients make smart, intentional decisions—especially when turning idle savings into meaningful investments. He believes the biggest step toward financial success is taking action: reaching out, asking questions, and starting the journey with a trusted advisor.
Outside of work, Visahan is a passionate basketball player, avid NBA fan, and dedicated to fitness. He values quality time with family and friends and finds joy in staying active and connected.
Known for being client-focused, dependable, and compassionate, Visahan brings those values into every conversation—helping others pursue their goals and build a financially fulfilling life.
Languages: English & Tamil
Email Visahan visahan.piratheepan[@]openconceptfg.com
Zaid Abu Sabra
Associate-in-Training
Languages: English & Arabic
Email Zaid zaid.abusabra[@]openconceptfg.com
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Zaid is a soon-to-be graduate from York University, completing his Honours Commerce degree in Business Technology Management. A strong believer in lifelong learning, he has also earned specialized credentials from the Wharton School at the University of Pennsylvania and PAAI, with a focus on business strategy and specialization. In addition, Zaid holds certifications in Anti-Money Laundering (AML), Know Your Customer (KYC), and Compliance through respected platforms like GenMan Solutions and Udemy.
With a forward-thinking mindset and a natural strength in analysis, Zaid brings a thoughtful and modern approach to finance and business. He believes financial literacy and early education in personal finance are powerful, often underused tools that give people the confidence and clarity to build a stable, successful future.
Beyond his academic and professional development, Zaid is deeply passionate about health and wellness. He’s a committed gym enthusiast who also finds joy in cooking, cars, and staying active through sports—with a particular love for soccer that reflects his energetic and focused personality.
Known for being trustworthy, strategic, and highly disciplined, Zaid approaches every challenge with care and intention. He brings clarity to complex ideas and remains grounded in the belief that thoughtful planning and informed choices are the foundation of long-term financial success.
Crystal Yeung
Wealth Strategist & Admin Lead
Languages: English, Cantonese, & Mandarin
Email Crystal crystal.yeung[@]openconceptfg.com
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Crystal is a key pillar at Open Concept Financial Group. As an administrative expert, she possesses deep knowledge of carrier, regulatory, and privacy processes, ensuring our team operates at peak efficiency. Crystal’s clear communication and dedication helps to streamline processes for both clients and our advisory team.
In addition to her administrative prowess, Crystal is a distinguished Wealth Strategist at Open Concept Financial Group. She crafts personalized financial strategies, expertly guiding clients through various career and life transitions. Crystal is deeply committed to education and empowerment, believing that enhanced financial acumen leads to greater confidence and smarter decision-making. Her unique blend of financial intelligence and emotional insight fosters trust and cultivates long-term client relationships.
Crystal's unwavering commitment to excellence has earned her prestigious accolades, including membership in the Million Dollar Round Table (MDRT) and the Ruby Award from Meritrust Financial, which she has received consistently since 2021. She advocates for a proactive approach to saving and investing, understanding its critical role in building a robust financial future.
Nicole Luc
Client Relations Lead
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Nicole makes things easier—for our clients, for our team, and often without anyone even realizing it. She’s the one behind the scenes making sure everything runs the way it should, with warmth, patience, and a real eye for detail. She’s always looking for a better way to do things and improving how we work as a team.
Before joining Open Concept, Nicole spent years in B2B sales at Salesforce, supporting enterprise clients and managing complex relationships with clarity and care. It’s where she got used to fast-moving environments and learned how important it is to stay focused on the people at the center of the work. That shows up here in how she listens, how she follows through, and how she often picks up on what someone needs before they’ve even said it out loud.
Nicole’s also a natural problem solver. She brings a natural sense of ease because she genuinely cares, takes her time with people, and brings a kind of energy that keeps things moving in the right direction.
She’s someone our clients trust and our team counts on. And we’re grateful to have her leading the experience.
Languages: English
Email Nicole nicole.luc[@]openconceptfg.com
Sarah Yoo
Admin Lead
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Sarah is our admin lead and the steady hand behind the scenes who keeps everything running for the team. She manages our digital tools, keeps our systems organized, and makes sure we all have what we need to stay focused: from preparing for client meetings to staying on top of compliance and training deadlines.
She also plays a key role in recruiting and onboarding, making sure new team members are welcomed, supported, and fully equipped to get started. Sarah tracks licensing progress, coordinates with carriers, and handles follow-ups with precision.
On the marketing side, she helps us stay visible and consistent. She coordinates our content, supports campaigns and events, and keeps client-facing materials sharp and on-brand.
Sarah brings structure, clarity, and a genuine sense of care to everything she does. Her work allows the rest of us to move faster, think clearer, and serve clients better.
Our team’s recent comings and goings
About Open Concept
Open Concept Financial Group ("Open Concept") is an Ontario-based corporation dedicated to providing insurance solutions and financial advisory services. We operate as an Associate General Agent (AGA) within the Managing General Agency (MGA) of Meritrust Financial Group Inc., one of Canada’s leading providers of insurance and financial products.
Each team member at Open Concept Financial Group is fully licensed and registered in accordance with federal and provincial regulatory standards. This ensures our team meets all required qualifications to deliver trusted insurance and financial consultancy services.
Our commitment to compliance allows us to provide personalized advice tailored to the unique needs of our clients across Ontario. At Open Concept, we serve with integrity, professionalism, and a deep respect for what’s at stake—your financial future.
Our Code of Ethics
Open Concept Financial Group has adopted a Code of Ethics that applies to all team members—licensed financial consultants, administrative staff, and partners. This Code is reviewed annually and affirmed by each individual as part of our ongoing commitment to professional integrity and ethical conduct.
All representatives of Open Concept are expected to act in good faith and with integrity in every client interaction. Our guiding principles include:
Client-First Duty: Advisors must always prioritize the client’s best interests ahead of personal or organizational benefit, and clearly disclose any potential conflicts.
Confidentiality: Personal and financial information shared by clients is treated as confidential and protected accordingly, unless required by law to disclose.
Transparency and Fairness: Recommendations must be made objectively, with clear communication and suitability based on the client’s needs and circumstances.
Competence and Diligence: Each team member must stay informed of the regulatory requirements, licensing obligations, and best practices relevant to their role and product line.
Professional Conduct: All interactions—with clients, peers, and external partners—must be conducted respectfully, ethically, and in a manner that reflects the trust placed in us.
Open Concept fosters a culture where compliance is a shared responsibility embedded in daily practice. We respond to regulatory developments through regular team dialogue, practical training, and the consistent application of standards across all roles. As the financial landscape evolves, we adapt our processes through open review and clear communication to ensure ongoing alignment.