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Our core competency is financial planning whereby we create acomprehensive and customized financial plan tailored for you. An effective financial plan must start with a solid foundation. As a result, we start by learning all about your existing allocation of assets (both financial and nonfinancial), your tax deductible and non-tax deductible debt, your insurance coverage, and your free cash flow.

Concurrently, we learn what your financial objectives are and assist you in ensuring that these objectives are realistic and achievable. We also assess your true financial risk tolerance. Seventeen years in the business has taught us that most people's financial risk tolerance is not defined by completing a form which ranks risk tolerance on a scale of 1 to 10!

Finally, we take your current financial snapshot and devise a financial plan that will achieve your goals using reasonable assumptions on the amount of time it will take and the compounded rate of return that you will need to reach your goals.

Our financial product offerings include the following:


Segregated fund policies


Registered retirement savings plans

Retirement income funds

Lifetime income benefit

Insured retirement plans

Life income funds


Term deposits

Guaranteed interest options

Group health benefit plans

Term life insurance

Whole life insurance

Disability insurance

Critical illness insurance


Investment loans

Health & welfare trusts

Saving for a child's education

Tax-Free saving accounts

Universal life insurance, and

Non-Registered investments


Please call Dave Drummond, CFP, or Kelly Ho to discuss your financial planning needs. Kelly is also fully conversant in Cantonese.


DLD Memberships and Certifications

As the owner of a business that fabricates precision gears, I know the importance of paying attention to all the details. Kelly Ho of
DLD Financial understands this concept. Kelly has provided me with a comprehensive financial plan and she has always been a pleasure
to deal with. I would not hesitate to refer other people who need financial planning advice to Kelly." ~ Vinnie Lai, Owner, Golden Gears Ltd.
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