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Your partner in personalized, full-service wealth management

Your ally in the pursuit of financial freedom

We go beyond managing money—we focus on optimizing your financial journey by fusing technology, modern strategies, and core values like integrity, transparency, and balance. We provide honest, personalized advice and a proactive, high-touch experience.

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Meet the team

David Spence, CFP, EPC, RRC
Wealth Planner
Mark Spence
Wealth Planner
Kristy Spence
Administrative Assistant
Nick Cup, MBA, CFP, CIM®
Supervising Portfolio Manager
Omar Nassar
Portfolio Manager

Team values

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Client-Centered Approach

At Plans to Prosper, every client relationship begins with listening. By understanding each client’s unique story, goals, and values, the team crafts personalized financial plans that align with what matters most to the individual. Their approach prioritizes thoughtful, goal-driven strategies that inspire confidence and clarity, ensuring clients feel heard and supported. With a focus on long-term objectives, Plans to Prosper builds partnerships rooted in trust and mutual understanding, making each client’s vision the foundation of their financial success.

Commitment to Trust and Integrity

Integrity is the foundation of every relationship at Plans to Prosper. The firm prioritizes client well-being above all, ensuring every recommendation is thoughtful, transparent, and in the client’s best interest. Honesty and openness guide every decision, creating a culture of trust that clients can rely on. Over the years, Plans to Prosper has earned its reputation through consistent, principled service, fostering long-term relationships built on respect and unwavering commitment to doing what’s right for their clients.

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Family-Focused Service

As a family-run firm, Plans to Prosper understands that financial planning is deeply tied to family values. Their personalized approach ensures that every plan prioritizes the well-being, stability, and future success of clients and their loved ones. Whether supporting generational wealth building or celebrating life’s milestones, the team is committed to helping families navigate challenges and achieve long-term goals. Plans to Prosper takes pride in fostering lasting relationships that reflect their dedication to family-focused service and care.

2001-2011

David worked as a Certified Financial Planner (CFP) and Elder Planning Counselor (EPC) at IPCC, where he supported clients with financial planning, estate planning, and goal-oriented strategies tailored to their unique needs.

2011-2016

David advanced to a role at Canfin Financial Group as a CFP, EPC, and Registered Retirement Consultant (RRC), specializing in retirement income planning and family-based wealth management.

2016-2022

David joined PEAK Investment Services as a CFP, EPC, and RRC, providing comprehensive financial planning and investment solutions to a diverse range of clients.

2019

Mark joined Plans to Prosper, bringing his expertise and commitment to delivering personalized, client-centered financial solutions.

2022-Present

David currently serves as a Wealth Planner at Optimize Wealth Management and Plans to Prosper, continuing to deliver personalized, goal-based financial planning with a client-first focus.

Supporting our community

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The Rawn Group contributes to Lakeridge Community Services, an organization that provides crucial resources and support to families in need. This involvement reinforces the group’s dedication to building stronger, more inclusive communities.

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Supporting the Hearth Place Cancer Support Centre, The Rawn Group helps provide emotional and practical support to individuals and families affected by cancer. This commitment highlights the group’s compassion and dedication to enhancing community well-being.

 

Plans to Prosper-02

Optimize Global Asset Management Inc. (operating as “Optimize Asset Management” or “Optimize”) is registered as a Portfolio Manager in all Canadian provinces. Optimize is also registered as an Investment Fund Manager in the province of Ontario and an Exempt Market Dealer in the provinces of British Columbia, Manitoba, Ontario, and Saskatchewan. Optimize Wealth Management Inc. (operating as “Optimize Wealth Management”) is a member of the Canadian Investment Regulatory Organization (“CIRO”) and the Canadian Investor Protection Fund (“CIPF”). Mortgage solutions are provided by Nesto Inc. Insurance solutions are offered through Optimize’s Managing General Agency, Financial Horizons Inc., and are available only through licensed representatives at Optimize. Investment and portfolio management is offered through Optimize, while financial services and solutions including financial planning, tax preparation, insurance solutions, debt management, and will preparation are provided through our affiliate, Optimize Family Office Services Inc. Investment advice is provided by licensed Optimize and Optimize Wealth Management Representatives only. Optimize does not provide legal, tax, real estate, or private equity advice. Nothing contained herein should be interpreted as such. "Optimize Financial Group" refers to the group of companies including the parent company Optimize Financial Group Inc., it's subsidiaries and affiliates.