Professional Engineer with a passion for finance and investing. I entered the wealth management industry following a career in industrial operations management, where I also earned the Chartered Financial Analyst designation.
I’ve been researching and analyzing ESG risks since 2014.
Known for being thorough and focused, with a keen ability to simplify complex subjects so others can gain understanding. I live to sort through all the details and then show people a path that can get them where they want to be.
I make the ideas become reality. I am the person who:
• Analyzes the details
• Sorts out the options
• Develops the plan, and
• Ensures implementation
Put my expertise to the test. My passion is helping people use financial resources to maximum effect.
I help people with things like:
• retirement planning
• tax efficient use of investments
• wealth transfer and estate planning
• business succession and transition planning
• risk management and complex solution structures
• integration of business and personal investments to optimize long-term results
• collaborating with the other professionals in their life so they have a coordinated advisory team
Chartered Financial Analyst (CFA) | Professional Engineer | Responsible Investment Advisor Certification
Industrial ESG & sustainability experience:
• Data analysis and calculations for stewardship and corporate sustainability reporting
• Improved GHG monitoring and water management systems
• Implemented audit and governance systems
• Presented environmental performance to regulators
• Developed Health and Safety risk assessment tools
• Commissioned numerous environmental improvement projects
LinkedIn:
For nearly 20 years, Justin has helped clients protect and grow their wealth through an income and risk-managed dividend growth approach guided by his unwavering fiduciary duty. He previously served as lead portfolio manager of the fixed income and asset allocation committee for an asset management firm while also counselling high net worth private clients with their wealth management needs. Justin can also provide clients the full spectrum of risk protection and estate preservation strategies as he is also life insurance licensed.
Since 2011, Justin has served on the CFA Society Calgary investment committee, helping shape investment policy, manager selection and portfolio execution. From 2015 – 2019, he served as Treasurer for Jewish Family Services Calgary (JFSC), a non-profit, helping to chart a new path forward by bringing their Home Care Program in house. Over his career, he has also fundraised for various non-profit organizations including St. Mary’s University, the Down Syndrome Research Foundation and the YWCA.
Justin earned a Bachelor of Commerce degree (Haskayne School of Business at the University of Calgary) specializing in Finance and Risk Management. He also holds the coveted accreditations of Chartered Financial Analyst (CFA), Derivative Market Specialist (DMS) and Responsible Investment Advisor Certificate (RIAC). Justin is also a Fellow of the Canadian Securities Institute (FCSI).
Justin is married with two children and a boston terrier-chihuahua. He is an animal lover who enjoys reading about history, travelling, skiing and exploring new foods and wines.
Derrick Ng is an Investment Advisor with The Keith Pavo Group of RBC Dominion Securities and has served his community of Saskatoon and the surrounding area since 2008. Derrick, along with Keith Pavo and The Keith Pavo Group provide comprehensive wealth management advice and solutions to Institutional and Individual clients.
As the investment landscape continues to evolve, the need to recognize Environmental, Social and Governance (ESG) issues as a significant factor for consideration has become increasingly more important. A changing ESG landscape along with greater transparency and dissemination of information require, at a minimum, an understanding of how client portfolios may be impacted and the role of the investment professional to educate and address these issues ahead of time. After all, ESG issues will affect client portfolios regardless of what their position is on the matter.
Derrick was born and raised in Saskatoon, SK and is a graduate of the University of Saskatchewan. Outside of work, Derrick enjoys traveling and staying active. He is an alumni of the University of Saskatchewan Huskies soccer team and continues to stay involved in the local soccer community. Derrick lives in Saskatoon, SK with his wife and two young sons.
Caval is a very motivated individual. She holds the Registered Retirement Consultant – RRC® designation in addition to being a CERTIFIED FINANCIAL PLANNER®. She also holds the Responsible Investment Advisor Certification – RIAC® designation which is a National certification verifying her ability to provide Socially Responsible Investment solutions. She believes that responsible investing is key in today’s investment environment. It is important to know that in addition to achieving your financial goals, your investments are creating a better world today and in the future.
Having worked in the financial industry for over 14 years, Caval is intensely committed to supporting and empowering people through financial literacy. Her passion for her career and clients have earned her a Wealth Professional Young Gun Award as well as a Qtrade Top Advisor Award. Caval’s expertise and financial acumen, along with her infectious personality, have led to re-curring features on CTV’s morning news and CBC radio as a guest expert. She is a constant source of encouragement and inspiration to her colleagues, positively impacting the work environment for all of those around her.
Caval is an unapologetic advocate for equality and a compassionate leader who exudes authenticity, integrity and bravery in all that she does. Her passion for advocacy work lead her to executive board positions locally and nationally with Business and Professional Women fostering the professional and leadership potential of women through education, advocacy and mentorship.
As a passionate advocate, Caval consistently identifies opportunities to facilitate meaningful collaborations while creating respectful and impactful dialogue on some of the most pressing and difficult issues of our time. She is a consummate community-builder and approaches every facet of her life and work with an appreciation and deep reverence for the intrinsic worthiness of every individual.
A good financial plan is vital, but does not need to be over-complicated. My approach is to help my clients identify their goals and advise them on how to achieve financial success. I have 14 years of experience in guiding clients successfully through their wealth transitions.
I am committed to helping investors align their investments with their personal values