David Lillie is a financial advisor and principal of Lillie Financial, partnered with Optimize Wealth Management. With 34+ years of experience, he specializes in life transitions like injury settlements, estate transfers, and retirement, using secure, tax-efficient strategies. He holds CFT-I and CSSC designations and works closely with personal injury law firms and risk-averse clients. David combines expertise and empathy to help families preserve wealth and build legacies. He’s a longtime coach, Masonic Order member, CICEA affiliate, and enjoys cooking, motorcycle touring, and time at his cottage with his family.
Your partner in personalized, full-service wealth management
Your ally in the pursuit of financial freedom
We go beyond just managing money. At Lillie Financial, 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
David Lillie, CFT-I, CSSC
Patrick Lillie,
Wealth Planner
Darcy Lillie, M.A.
Jane Thomas,
Admin
Jennifer Cutmore,
Admin
Ryan Moroney, MBA, CIM®
Portfolio Manager
Dylan Kerney, CIM®
Supervising Portfolio Manager
Cesar Cossio
Portfolio Manager
David Lillie, CFT-I, CSSC
ABOUT
Patrick Lillie,
Wealth Planner
ABOUT
With over 25 years in financial services, Patrick Lillie helps individuals, families, and business owners reach their goals through personalized, client-focused strategies. Since 1987, he’s built long-term relationships based on trust, clarity, and commitment. He holds Mutual Fund and Life & Disability Insurance Licenses and is certified as a Maxwell Leadership Professional, Ethical Influence Practitioner, and Cialdini Certified Professional. Patrick is also a Registered Settlement Planner and is pursuing the Certified Financial Transitionist (CeFT) designation.
Darcy Lillie, M.A.
ABOUT
With over a decade of experience, Darcy blends corporate communications and financial planning to empower first-time investors. He began his career in public relations in London, developing strong client engagement skills before transitioning to wealth management. Darcy holds a Bachelor’s in Geography from Algoma University, a Master’s in International Communications from City University London, and a Mutual Funds License. Outside work, Darcy enjoys cooking and volunteering, reflecting his commitment to building trust both professionally and personally.
Jane Thomas,
Admin
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Jennifer Cutmore,
Admin
ABOUT
Ryan Moroney, MBA, CIM®
Portfolio Manager
ABOUT
Dylan Kerney, CIM®
Supervising Portfolio Manager
ABOUT
Dylan Kerney is a Portfolio Manager at Optimize. He leads a team of associates, while working closely with clients and advisors to design investment strategies that are aligned with long-term goals. He takes a collaborative approach to portfolio design, emphasizing clear communication and disciplined execution.
With a background in economics and a passion for long-term strategy, Dylan finds purpose in translating complex market movements into clear, actionable insights.
Outside of work, Dylan enjoys hiking, camping, snowboarding, hockey, and playing guitar and bass. He’s also fond of travelling to destinations that are rich in culture and history.
Cesar Cossio
Portfolio Manager
ABOUT
Cesar Cossio is a Portfolio Manager at Optimize, helping clients align their investments with long-term goals. He thoughtfully designs portfolios and delivers ongoing reviews. He partners with advisors to align each plan with a client’s broader financial picture, while also providing clarity on markets and performance.
Passionate about monitoring markets and making a difference, Cesar finds purpose in translating complex financial concepts into practical strategies that support lasting success. For him, forming strong relationships with clients and advisors is critical to delivering advice that reflects both expertise and individual goals.
In his personal time, Cesar enjoys morning workouts, hiking with his wife and their dog, biking in the summer, and skiing in the winter.
Team Values
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At Lillie Financial, integrity is the cornerstone of everything we do. We believe in acting with honesty, fairness, and accountability to build meaningful, long-lasting relationships with our clients. Every recommendation, decision, and strategy is guided by a commitment to doing what is right for you and your financial goals. With our team, you can trust that your best interests are always our top priority, and we work tirelessly to ensure that trust is honoured every step of the way.
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Transparency is fundamental to the way we work. At Lillie Financial, we ensure that every client fully understands the strategies we recommend and the reasons behind them. We strive to demystify the financial world by offering clear, straightforward advice that aligns with your goals. Acting as your educational resource, we simplify complex concepts so you can make informed decisions with confidence. This open and collaborative approach creates a strong foundation of trust and empowers you to focus on achieving your aspirations.
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Your needs and goals drive everything we do. At Lillie Financial, we take the time to understand your unique circumstances, ensuring that every strategy is tailored to your priorities. We are proactive in identifying opportunities and addressing challenges to help you achieve both short- and long-term financial objectives. Our client-first approach reflects a commitment to delivering personalised advice and unwavering support. By putting you at the centre of our work, we aim to provide peace of mind and long-term financial security.
Supporting our community
The Lillie Financial Team is proud to support Grocer 4 Good, an organization dedicated to creating sustainable employment opportunities while improving access to essential grocery services for individuals in need. This initiative not only addresses food security challenges but also empowers people facing barriers to employment by providing meaningful work experiences. The Lillie Financial Team values the role Grocer 4 Good plays in fostering a stronger, more inclusive community and is committed to helping advance its mission of creating lasting, positive change for those it serves.
The Lillie Financial Team is a proud supporter of Café 4 Good, a social enterprise committed to empowering individuals through training and employment opportunities in the hospitality industry. Café 4 Good provides a supportive environment for individuals to build skills, gain confidence, and overcome challenges to sustainable employment. The Lillie Financial Team shares the organization’s vision of fostering inclusion and helping people reach their full potential. Through this partnership, the team is dedicated to contributing to a brighter, more equitable future for the entire community.
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The Lillie Financial Team is honoured to support the OFRA Foundation, an organization dedicated to enhancing the quality of life for seniors through high-quality care and housing services. The foundation plays a vital role in providing a supportive and compassionate environment for older adults, ensuring they can live with dignity and comfort. The Lillie Financial Team is proud to contribute to OFRA’s mission of addressing the unique needs of seniors in the community while promoting respect, wellness, and a sense of belonging. This partnership reflects the team’s deep commitment to improving lives and fostering a caring community.