LANCE HOWARD, CLU, CFP

Since 1989, Lance has been
working with families to help them
decide what is important
in their lives so they can make
good decisions with their time and
money. He is the creator of The
Lifestyle Coach Program™ and a
member of The Million Dollar
Round Table.

Lance is a previous recipient of the
Advisor of the Year award for the
Ontario region. The award
recognizes Canada’s most
outstanding financial advisors for
professionalism and dedication in
serving the needs of their clients.
Lance says, “I have two goals for
every client. First, I want to be the
kind of financial advisor whose
integrity and character would
be good enough for my own
mother. And, second, I want to
help each client understand the
lifestyle they desire and create
with them enough wealth so that
they have the resources to live a
life with no regrets- the
lifestyle they have dreamed about.”

Lance's wife Cathy has worked
with him as Branch Manager of
their financial planning practice for
the past 15 years (and they are
still happily married)!
Lance and Cathy are the proud
parents of two girls and one boy.
Lance is an avid golfer with a 2
handicap (subject to change
without notice) and likes to read
an average of 2 books per week.

PATRICK KEYES

Patrick has been helping people
make smart choices with their
money for over 27 years. After
graduating from the University of
Guelph in 1974 with an Honours
degree in Social Sciences, he joined
CIBC. Pat provided his clients with
quality financial advice and
solutions in his capacity as a
Branch Manager in London for 18
years.

Pat’s ultimate goal was to build his
own financial services business
and, in 1999, this dream became a
reality. Pat’s strengths are in his
ability to empathize with the needs
of his clients in order to build a
personalized plan that provides
them long-term financial security.
This wisdom coupled with the
expertise provided by The Lance
Howard Group is the key to Pat’s
success. Pat was a previous
recipient of the Advisor of the Year
award for the region of Ontario.

Pat has been married to his wife;
Mary Lou, since 1975 and London
has, and always will be, their
home. They have two sons and
three beautiful grandchildren.
Pat’s hobbies include golf, hockey,
and curling as well as being active
in his church and community.

CATHY BRADBURY

Cathy Bradbury is Branch Manager,
responsible for all compliance
aspects of the practice. She is a
licensed Mutual Fund
Representative and Compliance
Officer. She joined her husband
Lance in the business in 1995.
Previously Cathy had spent 4 years
working with the provincial
government and earlier with March
of Dimes.

Cathy is a graduate of the
University of Western Ontario, with
a BA in Sociology. She also has a
Social Service Worker diploma from
Fanshawe College. Cathy has
taken steps toward a Masters
degree in Sociology, but this has
been postponed as she enjoys the
challenges of raising three
children. Cathy is very active in
fitness, particularly running. Cathy
is a regular participant in The
Weekend to End Breast Cancer
walk.

ANN ROLPH

Ann is the Firm’s part-time (three
days a week) Administrative
Assistant and works closely with
Nancy as they customize and
prepare written financial plans
for clients of The Lance Howard
Group. Ann’s “no-nonsense”
approach when dealing with the
fund companies has made her the
natural choice for the role of client
advocate in the area of mutual
fund problem resolution.

Ann joined the firm in January of
2001 when she decided to take
advantage of the opportunity to
take an early retirement from CIBC,
the company for which she had
worked since 1974. Ann is a
licensed Mutual Fund
representative and has obtained
her CSC and PFP designations.

Ann has been married to her
husband Dennis since 1983 and is
the mother of two teenage
daughters. She is active in
Community Living London and the
Special Olympics. Her part-time
status allows her to volunteer in
the developmental class at
Saunders Secondary School. She
also enjoys reading and golf and is
a loyal fan of her children’s athletic
activities.

NANCY SHAW, EPC

Nancy joined the team in March
2007 as Lance's Senior Planning
and Administrative Assistant. She
aids Lance in case preparation
activities, portfolio analysis and
administrative tasks. Nancy brings
to The Lance Howard Group
experience in the Life Insurance
Industry where she worked as the
Life Insurance Administrator for
Cartier Partners from 2001 - 2004
when they were acquired by
Dundee Wealth Management.
Nancy then moved to the position
of Assistant to the Regional
Insurance Manager and then to the
coordinator of Training &
Professional Development for
Dundee Insurance Agency Ltd.
Nancy is in the process of working
towards her CFP. Nancy is the
mother of two children and enjoys
watching her daughter play hockey
and cooking with her son. In her
spare time Nancy enjoys golfing,
hiking and reading.

MELANIE RUPP

Melanie started out at The Lance
Howard Group as a summer
student in 2005. She was a vital
part in making the office move from
Waterloo to York Street a seamless
one. As she completed her Child
and Youth Worker diploma at
Fanshawe College she would come
back from time to time to file and
help out around the office. In the
fall of 2006 Melanie returned on a
part-time basis and the hours kept
adding up. In April 2007 Melanie
accepted a full-time position as an
Administrative Assistant who
divides her time between Lance
and Pat.
Melanie and her husband Nathan
were married in the spring of 2006
and she enjoys being active
rollerblading, hiking and running.