Your partner in personalized, full-service wealth management

Your ally in the pursuit of financial freedom

We go beyond managing money — we focus on optimizing your financial journey by fusing technology, modern strategies, and core values like integrity, transparency, and balance. We provide honest, personalized advice and a proactive, high-touch experience.

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Meet the team

Richard H. Hearn, CFP, CPCA

Richard H. Hearn, CFP, CPCA

Richard Hearn has over 30 years of experience in financial services, with his areas of expertise including pre-retirement planning, personal insurance strategies, and final estate distribution for the family market.

Richard holds the Certified Professional Consultant on Aging (CPCA) designation, is a Level 2 Life Insurance Agent, and is licensed in mutual funds. Upholding a strong commitment to professional development, he completes a continuing education program each year so his knowledge remains current and his advice well-informed.

With a focus on long-term relationships, Richard prioritizes understanding his clients on a personal level. Before offering advice, he believes in understanding where his clients have been, where they are now, and where they want to be in the future. This thoughtful, client-first approach has defined his career and reputation.

The core of Richard’s philosophy is aligning products and services to his clients’ goals. He’s driven by helping clients plan for early retirement with confidence.

Email: richard.hearn@optimizewealth.com
Phone: (403) 212-2099

Ivetta Krdyan, CIM®

Portfolio Manager

Ivetta Krdyan, CIM®

Portfolio Manager

Ivetta Krdyan is a Portfolio Manager at Optimize and is dedicated to helping clients achieve their long-term financial aspirations. She works closely with advisors and clients to review model portfolios, making sure each one reflects their collection of unique goals.

She believes every plan and portfolio adjustment should feel personal, that even the smallest questions matter. Whether it’s planning for retirement or building legacies, she listens closely, providing tailored solutions for advisors, so they can offer guidance that aligns with their clients’ financial objectives.

While Ivetta has a natural affinity for numbers and a passion for solving complex problems, what truly drew her to the financial industry was the opportunity to make a lasting impact. She takes pride in collaborating with advisors and clients to make recommendations that support people’s financial freedom and well-being.

Outside of work, she enjoys biking, hiking, and playing tennis. She makes the most of summer by attending music festivals. Ultimately though, she values spending time with family and friends.

Email: ivetta.krdyan@optimize.ca
Phone: (416) 249-1285

Team values

A Foundation of Integrity

Richard H Financial Corp. is committed to transparency, honesty, and ethical decision-making. We believe trust is earned through clear communication and doing what’s right—always. In every client interaction, we provide straightforward, unbiased advice tailored to individual needs. Our goal is to build meaningful, long-term relationships by helping clients feel confident, informed, and supported throughout their financial journey.

A Client-First Approach

At Richard H Financial Corp., putting clients first means taking the time to understand their unique goals, values, and priorities. We listen closely, communicate clearly, and build personalised strategies tailored to what matters most. By focusing on what’s best for each client, we ensure they feel heard, respected, and supported throughout their financial journey.

Collaborative Planning

Collaboration is central to how we serve our clients at Richard H Financial Corp. We work side by side to build financial plans aligned with long-term goals. As life evolves, we adapt strategies to stay on track, offering consistent guidance that brings clarity, confidence, and peace of mind through every stage.

Supporting our community

We are committed to supporting equitable education for children in low-income communities. Through our involvement with First Book Canada, we help remove barriers to learning by providing essential resources and opportunities for educators and students. This reflects Richard H Financial Corp.’s belief in fostering a brighter future and access to quality education.

Advancing pediatric health is one of our top charitable priorities. By contributing to SickKids, the Richard H Financial Corp. supports groundbreaking research and provides world-class healthcare for children. Our involvement not only helps improve health outcomes, but also offers hope and healing to families, underscoring our dedication to bettering the lives of young patients and fostering healthier communities.

Promoting cultural awareness and unity is another of our key focuses. Through our support of The Gord Downie & Chanie Wenjack Fund, we contribute to reconciliation efforts and foster understanding between Indigenous and non-Indigenous communities in Canada. Our involvement reflects a commitment to creating a more inclusive and compassionate society for future generations.