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 Advisors
Admin Team
Ivan Tam
CEO & Managing Partner
Languages: English & Cantonese
Email Ivan ivan.tam[@]openconceptfg.com
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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.
Winnie Tsang
Managing Partner
Languages: English & Cantonese
Email Winnie winnie.tsang[@]openconceptfg.com
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Winnie Tsang is a wealth strategist for business owners and professionals navigating moments of real consequence - where financial decisions demand clarity, responsibility, and strategic judgement.
Winnie’s background spans finance, strategy, and personal coaching/growth. As a former operational CFO and Chief of Staff, she has worked as an executive at leading Canadian organizations across public companies and private equity. More recently, she has been advising founders in the local startup ecosystem. Her North American M&A experience includes a private venture that was sold to Apple.
At the center of Winnie’s work is a disciplined view of capital. Structure and timing matters more than speed or scale. When wealth portfolios are well designed, growth naturally compounds in risk-resilient and tax-efficient ways.
Beyond client work, Winnie serves in community leadership and board roles focused on mental health, inclusion, and intergenerational care. She believes in the quiet power of steadily and systematically removing barriers so people can rise to their best potential.
Ivan Tam
Alan Yu
Partner 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
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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.
Languages: Mandarin, Cantonese, English
Email Alex alex.su[@]openconceptfg.com
Gary Ng
VP, Wealth Solutions
Languages: English & Cantonese
Email Gary gary.ng[@]openconceptfg.com
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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.
Eric Chan
Wealth Advisor
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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.
Languages: English, Cantonese, Mandarin
Email Eric eric.chan[@]openconceptfg.com
Wealth Advisor
Felix Lam
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.
Roy Zhang
Wealth Advisor
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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
Justin Mar
Wealth Advisor
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.
Goldie Ho
Wealth Advisor
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Goldie is a seasoned financial professional with over 20 years of experience spanning global banking and private wealth management. She holds a Bachelor of Arts from the University of British Columbia and Sustainability Accounting credentials from the IFRS Foundation.
Goldie began her career in Hong Kong in investment banking, where she developed deep expertise in product focused financial strategies. She later transitioned to private wealth management, shifting her focus to client-centered solutions and long-term relationship building. Goldie applies a broad, integrated approach that extends beyond traditional banking - one centered on lifelong well-being and generational wealth.
Her professional philosophy is grounded in the belief that one of the most overlooked yet critical aspects of personal finance is defining what “enough” truly means. Goldie encourages thoughtful, open dialogue around financial goals and emphasizes diversification across asset classes, geographies, and time horizons to maximize resources while minimizing risk. She approaches her work with integrity, brings thoughtful contribution to every client relationship, and is known as a trusted and reliable advisor.
Outside of work, Goldie is an avid marathon runner who trains year-round and enjoys both winter and summer outdoor activities. She volunteers in animal welfare and health care. She has a spirited 9 year old golden retriever, who reliably operates in two modes - happy and hungry.
Languages: English, Cantonese, Mandarin
Email Goldie goldie.ho[@]openconceptfg.com
Staci-Ann Wan
Wealth Advisor
Languages: English
Email Staci-Ann staciann.wan[@]openconceptfg.com
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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.
James Huang
Wealth Advisor
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James is a trusted financial professional known for his honest, reliable, and genuine approach to helping clients build strong financial futures. He believes that true financial success starts with protecting your foundation through disciplined cash flow management, consistent saving, smart investing, and safeguarding income with an emergency fund and appropriate insurance coverage. James is passionate about helping people understand that building wealth is not just about growth - it is also about protecting what you have worked hard to achieve.
As a proud father of two daughters, James understands the importance of planning for the future and creating long-term financial security for the people who matter most. Outside of work, he enjoys playing badminton and unwinding with a good latte. James brings both professional expertise and a personal, approachable perspective to every client relationship, helping individuals and families make confident financial decisions with clarity and purpose.
Erwin Szeto
Wealth Advisor
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Erwin is the co-founder of iWIN Wealth Planning and the host of The Truth About Real Estate Investing podcast, educating investors since 2016 on how to build wealth without hype or shortcuts. A licensed Realtor and LLQP professional, he leads a team of investor-focused Realtors who have transacted on nearly $500 million of value-add real estate investments — with almost no exposure to pre-construction condos.
Having previously built and managed an eight-figure real estate portfolio, Erwin understands both the upside and the concentration risk that comes with property-heavy wealth — including the realities of non-payment of rent, difficult tenants, maintenance issues, and navigating the Landlord and Tenant Board. Those experiences shaped his belief that real estate is a powerful wealth-building tool, but an imbalanced and risky place to anchor one’s entire financial future.
His focus is diagnosing wealth gaps, diversification beyond local property, and designing durable, liquid, tax-efficient plans using institutionally inspired strategies. Because the firm can integrate multiple asset classes — including real estate (local and US), insurance-based strategies, and professionally managed investments — and works closely with Real Estate Tax Tips, a sister accounting firm focused on real estate investors, advice is driven by client needs rather than product constraints.
Outside of work, Erwin has no life — mostly spent driving his two kids to activities, micromanaging homework, fitting in workouts when time allows, and golfing so little his golf club classifies him as more donor than customer. He and his wife Cherry also operate a registered charity that pragmatically sources winter boots and coats at below-wholesale prices for distribution to underprivileged schoolchildren in Hamilton, Ontario. He brings the mindset of a holistic investor, educator, and pragmatic strategist to everything he does.
Languages: English
Email Erwin erwin.szeto@openconceptfg.com
Kevin Lam
Wealth Advisor
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Kevin brings a thoughtful, client-first approach to helping individuals and families build stronger financial futures. Newly married and passionate about experiencing the world, he and his wife prioritize traveling to a new country every year—so far, Japan and Bali top their list. Outside of work, Kevin enjoys golf and exploring new destinations, interests that reflect his curiosity, discipline, and appreciation for long-term planning.
Professionally, Kevin combines real-world experience with a strategic mindset. His own financial portfolio includes leveraged, risk-protected investments alongside real estate holdings, giving him a practical perspective on building and preserving wealth. Drawing on his wealth management background, he believes one of the most overlooked yet critical elements of financial success is a well-structured investment strategy. With the right approach, Kevin sees the potential for growth that not only meets expectations but meaningfully exceeds them.
Known for being trustworthy, client-centric and strategic, Kevin is dedicated to helping others maximize their financial potential. His goal is simple: to guide clients toward achieving their financial goals with clarity, confidence, and a plan built for long-term success.
Crystal Yeung
Admin
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
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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
Admin
Sarah Yoo
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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.
Admin
Tian Tian Wu
Admin
Languages: English
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Tian is the first point of contact and the organizational heart of Open Concept Financial Group. Serving as an Administrative Assistant and Front Desk Coordinator, she ensures that every client who walks through our doors or calls our office receives a warm, professional welcome. Beyond her front desk role, Tian manages the essential day-to-day operations that keep our team running efficiently. With a sharp eye for detail and a commitment to excellence, she provides a seamless experience for both our clients and our advisory team.
Shelly Macalinao
Admin
Languages: English
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Shelly makes complex things feel simple for clients, for the team, and in the way everything comes together behind the scenes. She is detail-oriented, thoughtful in how she communicates and always focused on making sure things not only get done, but get done well.
Before stepping into her current role, Shelly built her experience in banking and wealth management, working closely with trust and investment accounts. She spent years supporting clients through everything from onboarding and compliance to ongoing portfolio management and strategy. Along the way, she’s developed a strong understanding of investments, client needs, and the importance of getting the details right.
Shelly also brings a natural ability to stay organized in fast-moving environments. Whether it’s managing client information, preparing reports, or coordinating across teams, she helps keep things running smoothly and efficiently. She’s always looking for ways to improve processes and make the experience better for both clients and the people she works with.
What stands out most is how she shows up. Shelly takes time to understand what’s needed, communicate clearly and follow through with care. It’s that steady, reliable presence that makes her someone both clients and teammates can count on.
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.