Who We Are
We are an financial planning firm dedicated to helping people reach their long-term financial goals.
Our independence ensures that we can bring you the best investment, insurance and other financial solutions available—not just those sponsored by a single company or provider. And our deep knowledge of the U.S. investment industry enables us to bring cutting edge solutions to the Canadian marketplace.
Meet the Team
Joe Stephen, B.Comm, CCM, FICB, CFP®
Mr. Stephen—a CERTIFIED FINANCIAL PLANNER® professional—has extensive experience in the banking and securities industries in both Canada and the United States. In 2004, he launched Stephen Financial Services Inc. an financial planning boutique with a focus on retirement planning.
Prior to launching Stephen Financial, he spent six years as Vice President at Morgan Stanley in New York. Before joining Morgan Stanley, Mr Stephen spent fourteen years with TD Bank and TD Securities in Toronto and New York holding various positions of increasing authority. His experience with the bank included commercial lending, corporate cash management and finally as a business development officer in New York.
In addition to his B.Comm from the DeGroote School of Business at McMaster University, he is a Fellow of the Institute of Canadian Bankers (FICB) and a Certified Cash Manager (CCM) from the Association of Financial Professionals, USA. He holds the Life Licensed Qualified Professional (LLQP) certification and is a CFP® certificant—the gold standard in financial planning.
Mr. Stephen is a founding member of the Legacy Advisor Committee for the Hospital for Sick Children (SickKids) Foundation of Toronto and a member of the Planned Giving Board for Providence Healthcare. He is past President of the McMaster Alumni Association. From 2000 to 2003, Mr. Stephen served as President of the Canadian Club of New York and in 2005 became a part Advisory Director of the Canadian Association of New York. He lives in Toronto with his wife and two sons.
Theresa Stephen, H.BA, M.B.A.
Ms. Stephen is a strategic marketing executive with extensive experience consulting to the U.S. mutual fund industry. Her deep knowledge allows her to bring innovations and best practices from the U.S. investment industry to the Canadian marketplace.
Before becoming an independent consultant, Ms. Stephen was responsible for the Global Investment Marketing group at The Citigroup Private Bank.
Prior to joining Citigroup in 2000, Ms. Stephen spent several years in the strategy practice at PricewaterhouseCoopers as a consultant to investment managers. Among her varied assignments, Ms. Stephen authored and launched a critically acclaimed North American Wealth Management survey, which explored timely topics in the industry and offered insights as to future trends.
A graduate of the Stern School of Business at New York University, Ms. Stephen holds an MBA with an emphasis in marketing. She also graduated magna cum laude with a B.A. from Yale University.