Get to know us
We are values-driven and care about doing the right thing
We are here to bring forward your vision of a good life with financial security and innovation. We push boundaries to empower your choices beyond the traditional. We value you as part of our family.
We always do what’s right for you.
Authenticity & Integrity
Keep It Simple
Client-First Mindset
Knowledge is Power
One Team
Our Team
Leadership & Operations Team
Wealth Strategists and Team Leaders
Wealth Associates
Ivan Tam
CEO & Managing Partner
Languages: English & Cantonese
Email Ivan ivan.tam[@]openconceptfg.com
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As a University of Waterloo graduate in Economics and Finance, Ivan began his career as an associate at TD Bank eventually growing into a Regional VP at Meritrust Financial Group Inc. Navigating the tumultuous 2000s financial crisis, he was inspired to chart a different path—transforming the financial futures of forward-thinking families through a series of gradual, secure financial choices, rather than high-risk speculative bets. Today, he is pleased to serve over 1,500 (and counting) families in the Open Concept Financial Group community.
Known for his unparalleled work ethic and astute financial savvy, Ivan is an internationally recognized advisor, with distinguished awards such as the MDRT (Million Dollar Round Table) Court of the Table Award for the past 5 years. This elite designation is exclusively awarded to fewer than 10% of advisors globally. Beyond this, Ivan has also been awarded Manulife Elite Advisor, Meritrust Diamond Award winner, and Equitable Life Elite Advisor. These accolades highlight his expertise, but what truly sets Ivan apart is his genuine care and relentless drive for his clients' best outcomes. Ivan works hard to bring a personal touch to all of his interactions with Open Concept clients.
Ivan leads a vibrant life outside his professional achievements, caring for three children, Hannah, Emma, and Gavin, with his partner, Flora. An avid sports enthusiast, he enjoys golf and badminton, and prioritizes family vacations throughout the year, believing they are the cornerstone of beautiful family memories. For Ivan, true success stems from passion, continuous growth, and a determination to achieve winning results for all.
Winnie Tsang
Managing Partner
Languages: English & Cantonese
Email Winnie winnie.tsang[@]openconceptfg.com
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Winnie is a mission-driven entrepreneur and business strategist with a clear vision for transformative impact. As the Managing Partner of Open Concept Financial Group, she spearheads initiatives to build new capabilities that truly serve our families, driving exponential growth and meaningful results. Her mission is to pave pathways to financial freedom, empowering individuals to make intentional choices and live their best lives. Winnie echoes Warren Buffet’s wisdom: “Risk comes from not knowing what you're doing,” and believes that a lack of clarity often leads to passivity—the biggest threat to building lasting wealth.
Winnie is also the founder of Good Work Collective, a consultancy focused on developing scalable tools for an age-inclusive digital future. Growing up in an intergenerational household, lovingly cared for by her grandparents, taught her the importance of strong, healthy relationships across generations. This background fuels her belief that whole family well-being comes from open conversation, and the co-creation of shared values and visions.
Winnie serves as the Board Chair of Hong Fook Mental Health Association, a nonprofit advancing mental well-being for Asian communities in the GTA. She is a lifelong learner, proud alum of the Richard Ivey School of Business, and recently completed an EMBA at Rotman School of Management, specializing in health system transformation. As a certified Positive Psychology Practitioner, she integrates these practices into her work, guiding individuals and teams toward resilience and growth.
Alan Yu
VP, Wealth Solutions
Languages: English & Korean
Email Alan alan.yu[@]openconceptfg.com
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Ten years ago, Alan took a leap from his corporate finance career track to forge his own path, driven by a desire to help others achieve their financial dreams. He saw too many families setting unclear goals and timelines—either too short-term or overly long-term—without truly understanding what they needed to create their vision of a good life. With determination and smart guidance, everyone can craft a purpose-driven, adaptable financial plan that maximizes each dollar. This delicate balance is Alan’s passion, and brings him the greatest joy, and for his clients, the greatest experience of financial freedom.
As an internationally acclaimed Wealth Strategist at Open Concept Financial Group, Alan has been a steady guide for countless families navigating new beginnings, life transitions, and wealth transfers. His blend of expertise and empathy has earned him the trust of clients - who often describe him as loyal, determined and present. In this day and age of transactional, robo-advisory services, Alan’s approach is both refreshing and empowering. Alan's personalized, values-driven strategies have enabled families to find stability and growth.
At home, Alan is a proud father to three energetic children. His oldest, Dylan, is always full of conversation. His second son, Tristan, approaches everything with determination. His fearless daughter, Riley, loves to explore. Alan's wonderful wife, Michelle, keeps the family running smoothly and ensures everyone is on their best behaviour.
With a unique blend of professional expertise and personal warmth, Alan continues to transform lives and build lasting financial legacies.
Alex Su
VP, Wealth Solutions
Languages: Mandarin, Cantonese, English
Email Alex alex.su[@]openconceptfg.com
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Alex is a trusted and sought-after financial advisor dedicated to safeguarding wealth through comprehensive financial protections. While many focus on earning and investing money, Alex emphasizes the importance of protecting it. He provides holistic advice that covers all aspects of financial life, including investment management, estate planning, insurance solutions, and tax optimization.
Fluent in Mandarin, Cantonese, and English, Alex has a deep understanding of Chinese culture, values, and traditions. This cultural insight, combined with his expertise, makes him an invaluable advisor. With a global perspective, Alex navigates complex corporate insurance needs and cross-border financial planning. Clients appreciate his unwavering loyalty and commitment to their financial success and well-being.
Alex's excellence has been recognized with prestigious awards, including membership in the Million Dollar Round Table (MDRT). He has also been named a Top Advisor by iA financial and Canada Life, underscoring his expertise and dedication.
Outside of work, Alex enjoys daily round of golf in the summer and snowboarding in the winter. This balance of work and leisure reflects his philosophy of enjoying life while maintaining a solid progressive plan for the future.
Combining professional skill with cultural awareness, Alex is the ideal partner for families looking to build wealth with clarity and confidence. He is a strong advocate for risk management and wealth preservation, focusing on protecting assets while seeking growth opportunities.
Gary Ng
VP, Wealth Solutions
Languages: English & Cantonese
Email Gary Gary.ng[@]openconceptfg.com
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Gary brings a unique blend of expertise and innovation to Open Concept Financial Group. An actuary by profession, he masterfully navigates the complexities of risk management with sharp financial and mathematical insights. Gary’s out-of-the-box thinking and strong advocacy for financial literacy empower clients to grasp the essentials of personal finance and make wise decisions.
Gary believes in the power of small, calculated steps toward achieving big goals. He emphasizes understanding and embracing calculated risks, and meticulously planning for each stage of life. This philosophy underpins his commitment to helping clients fully appreciate the financial choices they encounter.
Gary's dedication goes beyond mere numbers. His clients speak highly of his resourcefulness, driven approach, and genuine empathy. He has a knack for turning strategic insights into practical advice, making him an indispensable advisor.
In Gary’s world, every financial decision is a step towards a well-planned future. His ability to merge strategic thinking with a personal touch has earned him deep respect and trust from those he guides.
Felix Lam
Wealth Associate
Languages: English & Cantonese
Email Felix felix.lam[@]openconceptfg.com
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Felix is a master of many diverse domains. As a University of Waterloo Computer Engineering graduate, he holds certifications in ITIL Foundation and Python Specialist. In his role as a licensed insurance agent, he blends technical expertise with a strong client focus.
Felix's stellar performance is evident in his well recognized achievements. He is consistently ranked as an exceptional performer, and has been honored with Achievers awards annually since 2017, including the prestigious 1000 Moment Maker award in 2023.
Valuing financial literacy and strategic advancement, Felix works to enhance his clients' net worth potential and protect their assets. He is a champion for using premium financing for insurance segregated funds, a strategy that is powerful and often overlooked. By focusing on these nuanced approaches, Felix accelerates the financial security and success of the many families he serves.
Outside of work, Felix enjoys basketball, cycling, badminton, and tennis. He is an active financial leader at his Church, previously serving as Chairman and Treasurer. Felix deeply values quality time with his wife, Rosita, and their sons, Caleb and Cyrus, who are in their pre-teen and early teen years.
Felix’s reputation as a trusted advisor is built on his honesty, analytical sharpness, and steady professionalism, appreciated by all his clients.
Fiona Lai
Wealth Associate
Languages: English & Cantonese
Email Fiona fiona.lai[@]openconceptfg.com
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Fiona brings a unique energy and expertise to Open Concept Financial Group. Armed with a Life License (LLQP), Chartered Accountant (CA, CPA) credentials, and a Masters of Accountancy (MaCC), she champions sustainable wealth growth through life insurance, real estate investments, and segregated funds.
At home, Fiona’s life is as dynamic as her career. Her husband, Jacky Lee, revels in the thrill of his new motorcycle license. Their daughter, Jacelyn, is a budding artist at 12, while 10-year-old Flynn finds his joy in outdoor adventures. Fiona herself is a whirlwind of interests—kickboxing, Canto-pop, and an impressive knack for home organization.
The families Fiona serves often highlight her meticulous organization, logical thinking, and sharp analytical skills. Her structured approach is always paired with a personal touch, earning her trust and respect. Fiona’s dedication to helping families navigate their financial journeys is evident in every interaction, bringing clarity and confidence into their financial decisions.
Karena Wong
Wealth Associate
Languages: English, Hakka Chinese & Hindi
Email Karena karena.wong[@]openconceptfg.com
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Karena seamlessly blends her expertise as a Real Estate Agent with cross-disciplinary financial planning. With a Bachelor of Commerce from Calcutta University and an LLQP certification, her approach is both strategic and comprehensive.
Her career is decorated with accolades from Sunlife and Meritrust, reflecting her relentless drive and exceptional performance. Karena’s financial strategies focus on life insurance, segregated funds, pre-construction, and investment properties. She leverages diverse insurance and investment products to build sustainable wealth.
Family is her driving force. Her husband, Sean, excels in table tennis. Their son, Brian, 19, runs a hairdressing business. Bliss, their artistic daughter, will study Honours Biology at Toronto Metropolitan University. Brielle, the youngest at 10, enjoys video games and arts and crafts. Outside of work, Karena enjoys reading, learning new skills, music, cooking, and networking. These passions keep her approach fresh and dynamic.
Clients appreciate her professionalism, client focus, and goal orientation. Her strategic insight, paired with genuine care, helps clients feel secure and well-guided in their financial journeys.
Crystal Yeung
Wealth Strategist & Admin Lead
Languages: English, Cantonese, and Mandarin
Email Crystal crystal.yeung[@]openconceptfg.com
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Crystal is a key pillar at Open Concept Financial Group. As an administrative expert, she possesses deep knowledge of carrier, regulatory, and privacy processes, ensuring our team operates at peak efficiency. Crystal’s clear communication and dedication helps to streamline processes for both clients and our advisory team.
In addition to her administrative prowess, Crystal is a distinguished Wealth Strategist at Open Concept Financial Group. She crafts personalized financial strategies, expertly guiding clients through various career and life transitions. Crystal is deeply committed to education and empowerment, believing that enhanced financial acumen leads to greater confidence and smarter decision-making. Her unique blend of financial intelligence and emotional insight fosters trust and cultivates long-term client relationships.
Crystal's unwavering commitment to excellence has earned her prestigious accolades, including membership in the Million Dollar Round Table (MDRT) and the Ruby Award from Meritrust Financial, which she has received consistently since 2021. She advocates for a proactive approach to saving and investing, understanding its critical role in building a robust financial future.
Our team’s recent comings and goings
About Open Concept
Open Concept Financial Group ("Open Concept") is an Ontario-based corporation dedicated to providing insurance solutions and financial advisory services. We operate as an Associate General Agent (AGA) within the Managing General Agency (MGA) of Meritrust Financial Group Inc., one of Canada’s leading providers of insurance and financial products.
Each of our agents at Open Concept Financial Group is fully licensed and registered according to Ontario's regulatory standards. This ensures that our team meets all the necessary qualifications to provide you with the best insurance and financial advisory services. Our commitment to compliance ensures that we offer personalized advice and services, tailored to meet the specific needs of our clients in Ontario. Open Concept is here to serve your unique financial needs with the highest standards of integrity and professionalism.