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RGF Integrated
Wealth Management

1701 West Broadway
Vancouver, B.C. V6J 1Y3

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Talk to Us

1.800.784.6066

T: 604.732.6551
F: 604.732.6553

[email protected]

Cecilia Tsang

Financial Advisor & Associate Portfolio Manager

BComm CFP CIM RHU

604.737.6735

Cecilia Tsang

Financial Advisor & Associate Portfolio Manager

BComm CFP CIM RHU

Cecilia Tsang

Financial Advisor & Associate Portfolio Manager

BComm CFP CIM RHU

My passion is to help people meet their life goals and dreams while ensuring peace of mind. I focus on the needs and desires of each client, helping you to make sensible decisions while implementing a financial plan that makes all of the issues clear and goals easily achievable.

I have been helping clients reach their financial goals and objectives since early 1999. I enjoy working with clients who seek advice on wealth accumulation and protection, tax planning, retirement income planning, and estate planning. While using a disciplined and detailed approach to comprehensive financial planning, I create long-term relationships with clients built upon trust.

Enjoying life's simple pleasures is what I love - taking walks in parks, building deeper relationships, trying new foods! Another passion is exploring and experiencing the world with my family. We love to immerse ourselves in other cultures, especially in the aspect of cuisine!

Industry Associations

FP Canada
Advocis – The Financial Planners Association of Canada
Conference for Advanced Life Underwriting (CALU)

Degrees and Designations

BComm (Finance) - UBC
CFP (Certified Financial Planner)
CIM® (Chartered Investment Manager)
RHU (Registered Health Underwriter)

Registration Jurisdictions

Cecilia is a Associate Portfolio Manager with IIROC in BC, AB and ON. She is a licensed insurance agent in BC, AB and ON.

TEAM MEMBERS

Our Team

Karen Leon
Financial Planning Associate

604.737.6777

Contact by Email

Meet Karen
Hira Malik
Client Services Associate

604.737.6713

Contact by Email

Meet Hira

Learn more

About our team

We take the time to truly get to know each client in order to have a clear understanding of who you are and how we can help you reach your goals. By doing so, we simplify the decisions that you need to make by providing and exploring all the options available using outside-the-box thinking approaches. This ensures that every stone has been turned over and you know the implications of every choice available to you. With each decision you make, it is our job to guide through the path that is most efficient for you to reach your goals.

Our job is to help you remove your financial worries and simplify your decision making, providing all the options and the detailed analysis in clear language to help you make decisions, to help you with all the paperwork, and to simply walk you through each step of the way in your financial path so that you can focus solely on your passions.

WORKING WITH CECILIA

Hannah's Story

TAKE AWAYS

Advisor Insights

Legacy Planning – a Conversation

By Cecilia Tsang on 04 Jul 2023

This article stems from real conversations I have had with some of my valued clients: “I have been thinking about my legacy. Now that I’ve sold my home, I have been thinking about what to do with the funds."

Estate Planning

Estate Transfer Planning
Are You Stuck in a Rut

By Cecilia Tsang on 15 Nov 2022

Do you have a habit or a pattern of behaviour that has become unproductive and hard to change?

Life changes

Protecting your Health
Stuck In a Box?

By Cecilia Tsang on 23 Jul 2021

Our conscious mind likes to create “boxes” that we use to organize the world around us. These boxes are often created through our upbringing and the influence of our parents, peers, society, and the media.

Managing Cash Flow and Debt
What was your Experience with Money as a Child?

By Cecilia Tsang on 18 Aug 2020

Do you worry so much about money that it keeps you up at night? Or are you quite calm about your finances and tend to be quite confident in managing your cash flow?
Happy 10th Birthday, TFSA!

By Cecilia Tsang on 22 Jul 2019

The Tax-Free Savings Account (TFSA) is 10 years old this year. The TFSA has been a very powerful tool in tax planning and optimization planning (such as ensuring OAS clawback is minimized) in the ten years since it began.
Reaching Our Goals

By Cecilia Tsang on 15 May 2018

Recently I was sick after coming back on from a trip. This was the first time my husband and I traveled together without the children and I was looking forward to spending quality time with them upon my return.

Creating a plan

Life changes
Identity Theft Online

By Cecilia Tsang on 03 Jul 2017

Just last week, a good friend of mine told me that his bank account had been compromised. He received several PayPal withdrawals that he didn’t authorize and thousands of his funds were gone.

Managing Cash Flow and Debt

Life changes
Protecting Your Greatest Asset

By Cecilia Tsang on 19 Apr 2016

Most of us want to protect the things that we have worked so hard to acquire. We make sure that we have home insurance to protect our homes and car insurance to protect our cars. Every time we purchase an electronic item, we are asked if we want to buy insurance on it, or extend the warranty, in case it breaks. We may also research and secure life insurance to ensure that our loved ones will be financially secure in the unfortunate case of our passing.

Protecting your Health

Creating a plan

Business Owners
Hope for the Best, Plan for the Worst

By Cecilia Tsang on 01 Oct 2015

Ann and Will loved to socialize. Every Friday night, 52 weeks a year, their many friends went to their home to gather for coffee and appies.

Life changes

Assisting parents

Protecting your Health
Aligning your Goals

By Cecilia Tsang on 01 Apr 2014

Is your portfolio the result of your goals (or lack thereof)?

Preparing for retirement

Creating a plan

Travel & Leisure

Minimizing taxes

Generating Income

Estate Transfer Planning

Estate Planning

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RESOURCES

Mortgages & Debt Management

Mortgage and debt management is an important element of your financial plan.

Pilot Mortgage Group is one of the top mortgage brokerage companies in Canada. They work with over 50 different lenders to secure the best mortgage financing for your specific needs. Pilot also has a large emphasis on ongoing mortgage management that ensures your mortgage remains the right fit. Should you wish to get started with Pilot, you can start on the online application below or speak with our advisory team to hear more about how they may be able to help you with your upcoming financing needs.

LEARN MORE

"I was financially quite naive having just started a new career as a physician and needed someone I could trust with my finances. Cecilia is that person. She is genuine, caring, intelligent, savvy and family-oriented."

- Dr Hannah P.
"We needed a financial advisor whom we could trust and organize our portfolio. Cecilia’s personal approach, experience, accreditation and RGF's reputation helped us make the decision."

- Alfred W. & Winnie J-W.
"Retirement brought medical challenges we had not anticipated. Through it all, Cecilia Tsang had offered unrelenting compassion and financial expertise. She's always warm, always prepared, always transparent, always professional.
"

- Dal & Kit S.
"Cecilia made me feel very comfortable with her. She spent time getting to know me, my situation and my goals. She was open and clear about her role, responsibilities and costs and I felt like I could trust her to guide me and do her best for me and my money. "

- G.C.
"Thanks to Cecilia our retirement has been financially relaxing and pleasant. We've traveled. We've been able to help the people and charities dear to our hearts. Any 'wise' financial decisions we've made have been directly due to Cecilia's guidance. Cecilia Tsang has truly been a gift to us."

- Dal & Kit S.
"Cecilia helped me make the most of my finances and investments, she got to know me so that her financial advice and recommendations fitted with my lifestyle, personality and financial goals. She continues to guide my finances and her investing skill and wisdom ensures that my investments are getting the best returns. "

- G.C.
"I trust Cecilia with my finances and know that she has my family’s best interest at heart. It is very obvious working with Cecilia that she a passion for creating successful financial portfolios for her clients."

- Dr Hannah P.
"We have chosen to work with Cecilia because she is extremely knowledgeable, warm and personable. She provides thorough advice and recommendations that yield results."

- Robin T.
"I thank Cecilia for her wonderful suggestions and personal attention. She makes the financial planning process comfortable and easy."

- Lisa T.
"Cecilia helps create financial security and confidence for families from the beginning of life to the end of life and every event in between. I’m really hoping she doesn’t retire before I do!"

- Dr Hannah P
"Result of using Cecilia: Increased net worth with above average rate of return; a well thought out (and executed) investment plan; and, best of all, investment peace of mind!
"

- Alfred W. & Winnie J-W.

resources

Travel & Health Insurance

Out-of-province medical care can place a significant burden on your financial resources. One of the Manulife’s Travel Insurance plans may be appropriate for you if you are travelling for pleasure or on business.

Click here for your travel insurance needs. You will be directed to Manulife’s website where you can:

- learn more about their plans
- obtain a quick quote
- apply for coverage

Please call 1-800-565-2338 to speak with Manulife experts, should you have any questions about the plans or your application.

resources

Legal Resources

LegalShield

LegalShield is a prepaid legal services expense plan which provides affordable, accessible legal support to its members. Members pay a monthly fee for legal services plans, with options for Individuals, Families and/or Small Businesses. Plans include advice, consultation, representation & document preparation. Details of the legal services provided, and limitations, are outlined in the terms of the online contracts. An optional additional service includes Identity Theft Protection.

LegalShield utilizes a network of provider law firms to offer legal services to their members and covered family members.

Disclosure:

1) LegalShield is a third party provider, with a referral relationship with RGF Integrated Wealth Management Ltd. (RGFI).
2) RGFI is paid a referral commission by LegalShield for all clients referred by RGFI and its associates.
3) Neither RGFI or its associates directly or indirectly provide legal services, representation or advice. You will indemnify and hold us harmless from any and all losses, liabilities, costs and expenses resulting from your relationship with Legal Shield.

By clicking I Accept, you are acknowledging that you understand and agree to the above terms regarding RGFI's relationship with LegalShield, and will be taken to the LegalShield sign-up portal where you can view details of LegalShield plans.

I ACCEPT