Working With Us
Nick Hearne
Financial Advisor & Associate Portfolio Manager
BComm CFP CFA
My objective is to help clients accumulate and retain wealth to create financial independence. As both a CFA (Chartered Financial Analyst) Charterholder and CFP (Certified Financial Planner), I work with clients to build comprehensive financial plans that balance the analytics with your personal goals.
My objective is to help clients accumulate and retain wealth to create financial independence. As both a CFA (Chartered Financial Analyst) Charterholder and CFP (Certified Financial Planner), I work with clients to build comprehensive financial plans that balance the analytics with your personal goals.
Nick Hearne
Financial Advisor & Associate Portfolio Manager
BComm CFP CFA
My objective is to help clients accumulate and retain wealth to create financial independence. As both a CFA (Chartered Financial Analyst) Charterholder and CFP (Certified Financial Planner), I work with clients to build comprehensive financial plans that balance the analytics with your personal goals.
Our team follows a disciplined financial planning process and regularly review and adjust portfolios to ensure they are best positioned for the long term. By bringing simplicity to each client’s unique goals, we enable them to take control of their journey to financial independence.
I graduated from the UBC Sauder School of Business with a Bachelor of Commerce degree and joined RGF Integrated Wealth Management in 2014.
I was born in the UK and moved to North Vancouver at a young age where I currently live with my wife, Fay, and our two standard poodles. Outside of work, I enjoy playing soccer, cycling, and hiking in the North Shore mountains.
Industry Associations
FP Canada PAG Committee
BComm (Finance) – UBC
CFA (Chartered Financial Analyst)
CFP (Certified Financial Planner)
CSC (Canadian Securities Course)
CPH (Conduct & Practices Handbook)
WME (Wealth Management Essentials)
LLQP (Life License Qualification Program)
Nick is a registered representative with IIROC in BC, AB and ON. He is a licensed insurance agent in BC.
OUR TEAM
Specialized Expert Knowledge
Equity Compensation
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Restricted Share Units: Maximize Your Benefit
By Nick Hearne on 08 Jul 2021
Restricted Share Units are not as simple as they look, and careful planning can have a significant impact on the benefit an employee receives.
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Equity Compensation Plans
By Nick Hearne on 26 Apr 2021
Equity compensation is a non-cash benefit that may be awarded to an employee. This form of compensation provides a variable and potentially lucrative component to a pay package.
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Understanding Your Employee Stock Options
By Nick Hearne on 25 Apr 2021
Employee Stock Options (ESOs) are a popular form of compensation that companies may offer to attract and reward good employees.
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Planning Considerations for Employee Stock Options
By Nick Hearne on 24 Apr 2021
Employee Stock Options (ESOs) provide an employee with the right, but not the obligation, to purchase shares of the employer’s company at a set price within a defined timeframe.
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Performance Share Units
By Nick Hearne on 15 Apr 2021
Performance Share Units (PSUs) are very similar to Restricted Share Units (RSUs).
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Restricted Share Units
By Nick Hearne on 15 Apr 2021
Restricted Share Units (RSUs) are a type of equity compensation that may be awarded to an employee.
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Deferred Share Units
By Nick Hearne on 15 Apr 2021
Deferred Share Units (DSUs) are notional units granted to an employee that mirror the market value of the employer’s common shares and do not represent actual share ownership.
TAKE AWAYS
Advisor Insights
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Pay down debt or invest?
By Nick Hearne on 14 Feb 2023
Extra cash can present a dilemma – is it better to pay down your debt or put the money to work in investments?
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The Impact of Foreign Exchange Rates on Investment Returns
By Nick Hearne on 06 Oct 2021
When we think about the value of the Canadian dollar (CAD) in relation to other currencies, our first thought is often our buying power when we travel abroad.
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Preserve and Improve your Credit Score
By Nick Hearne on 17 Nov 2020
A solid credit score is your endorsement as a desirable borrower, providing you with access to capital at better rates, saving you considerable interest costs and helping you achieve your financial goals.
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Making an Election for your Defined Benefit (DB) Pension
By Nick Hearne on 24 Oct 2019
Employers guarantee a specific retirement benefit for each employee who participates in their defined benefit pension plan.
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Sequence of Returns Risk
By Nick Hearne on 17 Sep 2018
Most investors understand that to achieve their long-term target rate of return, they will need to accept some volatility in the short and medium term.
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The Importance of Budgeting
By Nick Hearne on 03 Jul 2017
A strong awareness and understanding of your personal finances is an integral part of the financial planning process. This holds true regardless of your phase in the financial life cycle.
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Beneficiary Designations – benefits and considerations
By Nick Hearne on 09 Sep 2016
Individuals have the option to designate beneficiaries directly on assets such as registered plans, insurance policies and annuities.
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