Our Team

President

Victor is a financial services professional who brings a wealth of practical and academic knowledge to his Financial Planner role at Foster.  As an experienced investment advisor, he draws from his diverse life experience to help clients tackle their most complex situations and meet their financial goals.

As an advocate of financial literacy, Victor teaches financial planning courses at Centennial College in Toronto.  He also volunteers with Junior Achievement Canada, promoting financial literacy among youth, and at Rise Asset Development, a Toronto not-for-profit organization providing guidance and financing to entrepreneurs overcoming mental health and addiction challenges.

Victor holds an MA in Economics from the University of Toronto.

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Insurance Agent

Managing the investment portfolios – through bull and bear markets, for high-net-worth individuals, families, and businesses, in Canada and worldwide – is what Raj does passionately!

With an equally unique and systematic approach that honed over twenty-plus years, Raj deploys a distinctive combination of fundamental and quantitative analysis to pinpoint market sectors and high-quality stocks with a promising investment outlook in the mid to long term. Volatility in the market means opportunity and advantage. Depending on each client’s situation and comfort with risk, Raj personalizes the investment strategy and asset allocation across equities and fixed income in the well-diversified portfolios.

Raj’s love for investing in stocks began as a kid in grade school. He earned his bachelor’s in engineering from the world-renowned Indian Institute of Technology (IIT) and his master’s in management from the Missouri University of Science and Technology. Raj has explored artificial intelligence, robotics, electric vehicles, and genomics. He digs deep into futuristic trends which shape business transformation globally.

Married for twenty-six years and a grateful father of two, Raj enjoys outdoors, camping and nature-walks immensely.  Years earlier, he nearly struck the Guinness Book of World Records by holding his newborn baby while muddling through his CFA charter examinations.

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Insurance Agent

Karen brings a diverse business background to the table for the benefit of her clients.

Her journey to finance comes through culinary arts, nutrition, entrepreneurship, and martial arts. These experiences enrich her advisory approach, blending perseverance with adaptability, and underscore her resilience and determination.

After two years specializing in life insurance, critical illness, disability, and health benefits, Karen has now integrated diverse investment strategies into her practice to provide a more comprehensive range of services.

Karen’s guiding principle revolves around transparency and prioritizing her clients. She is dedicated to empowering her clients to make well-informed financial decisions confidently. By cultivating lasting connections, she aims to assist clients in achieving both their short-term and long-term financial goals.

416.369.3209

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Insurance Agent

Martin has been licensed for Life and Accident and Sickness insurance for over 10 years. He believes that insurance is an absolute necessity as part of an overall wealth plan.

Utilizing a variety of strategies, he can protect his clients and their families from financial hardship with a variety of products that are tailor-built for their unique situation. Martin believes strongly in combining an insurance strategy with a properly structured investment portfolio to create a cohesive well thought out wealth plan, giving clients assurance and confidence in their future.

There are a number of insurance related investment products that may be suitable to your particular situation. After a comprehensive needs analysis is completed, Martin creates an appropriate recommendation of insurance policies or investment vehicles that are tailored for your particular needs, be they health related, estate planning related or creditor related.

Martin and his wife, along with their two children, reside in The Beach neighbourhood of Toronto. Avid skiers, the family skis at Osler Bluff Ski Club where his wife volunteers and Martin supervises the U10&U8 racing programs, mentoring young race coaches to ensure the highest capabilities and ethics. Martin was awarded the Alpine Canada Race Coach of the Year for 2020.

Martin’s charitable activities include working with the Scottish Rite Charitable Foundation of Canada that builds learning centres for Dyslexic children across Canada.

416.369.3204

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Insurance Agent

Celeste is dedicated to helping clients achieve their financial goals through comprehensive financial planning and investments. She takes a holistic approach to financial planning, tailoring her services to meet each client’s unique needs and situations.

Celeste’s expertise encompasses a wide range of financial services, including budgeting, debt management, retirement planning, and investments. She is well-versed in insurance, covering life insurance, critical illness, disability, and health benefits, ensuring that her clients’ finances are both growing and protected from unexpected challenges.

With a background as a Professional Project Manager and Professional Engineer, Celeste excels in creating and executing long-term financial visions. She values client input and focuses on their priorities throughout the planning process. Additionally, her experience as a Certified competitive swimming and triathlon coach has provided her with valuable insights into health and wellness, as well as setting and achieving long-term goals.

Celeste’s diverse skill set and commitment to client success make her a valuable partner in your journey towards financial security and prosperity.

416.369.3198

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Insurance Agent

With more than 25 years of directing individuals and corporations on financial issues, Howard’s value to you is not only his ability to work hand-in-hand with you to build that financial bridge between today and your future… but also to protect individuals and families from unexpected illnesses and premature death. 

Howard’s background and experiences as a CPA helps him analyze and recommend tax efficient insurance policies and structures to enhance and transfer wealth in a tax efficient manner.

By creating plans around your cash sources and uses, Howard helps you achieve greater flexibility to make your money available when you need it. Howard will add clarity to the complexities of navigating insurance, investment, taxation, estate planning and risk management, helping you to get where you want to be while dealing with life’s unexpected surprises.

416.369.3180

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