With over 20 years of experience, David Spence helps clients navigate retirement, tax planning, and estate strategies with clarity and confidence. As a Wealth Planner at PlansToProsper Inc., he delivers personalized advice rooted in trust, transparency, and long-term relationships. David holds the CFP, EPC, and RRC designations and is known for his client-first approach and commitment to lifelong financial guidance. He also supports local initiatives, reflecting his dedication to the communities he serves.
Your partner in personalized, full-service wealth management
Your ally in the pursuit of financial freedom
We go beyond just managing money. At Plans to Prosper, 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.
Book a meetingMeet the team
David Spence, CFP, EPC, RRC
Wealth Planner
Mark Spence,
Wealth Planner
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Kristy Spence,
Administrative Assistant
Nick Cup, MBA, CFP®, CIM®
Supervising Portfolio Manager
Omar Nassar
Associate Portfolio Manager
David Spence, CFP, EPC, RRC
Wealth Planner
ABOUT
Mark Spence,
Wealth Planner
ABOUT
Kristy Spence,
Administrative Assistant
ABOUT
Born in Southern Ontario, Kristy is dedicated to her career and community. Kristy holds a diploma in Hotel and Resort Management from Georgian College in Barrie. She also has 15 years of experience in office administration and financial services, including experience at CitiBank, RBC Insurance and Plans to Prosper. Kristy excels in customer service, organization and communication. Beyond her career, she is a loving mother and wife, residing in Waterdown. In her free time, Kristy delights in family moments, shopping, beach outings and delicious food.
Nick Cup, MBA, CFP®, CIM®
Supervising Portfolio Manager
ABOUT
Nicholas Cup is a Portfolio Manager at Optimize. He specializes in overseeing investments of clients’ comprehensive financial strategies, making sure adjustments align to their unique goals. With more than 12 years of experience, he’s fluent in retirement cash flow planning, investment management, tax and estate strategies, and insurance planning. Nicholas is an MBA graduate and has acquired both the Certified Financial Planner and Chartered Investment Manager designations.
Nicholas believes financial peace of mind begins with a clear plan and diversified portfolio, not just market returns. He takes pride in helping clients make informed decisions and works closely with advisors to build personalized, long-term solutions.
Outside of work, Nicholas enjoys spending weekends at the cottage with his family and dog, as well as golfing, cycling, and running.
Omar Nassar
Associate Portfolio Manager
ABOUT
Omar Nassar is an Associate Portfolio Manager at Optimize who takes an analytical and people-first approach. His love for numbers and problem-solving is what first sparked his interest in financial services, but it was the chance to make a meaningful difference in people’s lives that has kept him committed to the industry.
At Optimize, Omar focuses on understanding each client’s unique circumstances, values, and goals. He provides portfolio recommendations and steady guidance through market shifts, helping clients stay disciplined and confident in their long-term aspirations. His work reduces uncertainty and supports important milestones, which he finds incredibly rewarding.
In his personal time, Omar enjoys playing soccer, tennis, and volleyball. He’s also fond of travelling to experience new cultures and cuisines. Above all, he values time with family and friends.
Team Values
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We firmly believe in starting every client relationship not by immediately giving advice, but by carefully listening. By understanding each client’s unique story, our team can craft personalized financial plans that align with what matters most to the individual. Our approach prioritizes thoughtful, goal-driven strategies, with a focus on long-term objectives. Plans to Prosper builds partnerships rooted in trust and mutual understanding, making each client’s vision the foundation of their financial success.
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Integrity is the foundation of every relationship at Plans to Prosper. Our firm prioritizes client well-being above all else. Every recommendation we make is thoughtful, transparent, and in the client’s best interest. Honesty and openness guide every decision we make. Over the years, the reputation we’ve earned from this principled service has fostered many long-term relationships built on respect and trust.
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As a family-run firm, we understand that financial planning is deeply tied to familial values. Plans to Prosper’s personalized approach ensures that every plan prioritizes the well being, financial stability, and future success of our clients and their loved ones. Our team is committed to helping families navigate their challenges, achieve long-term goals and build generational wealth. We take pride in fostering lasting relationships that reflect our dedication to family-focused service and care.
Timeline
Supporting our community
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Plans to Prosper is a proud supporter of Hillspring Church, a community dedicated to fostering faith, service and personal connections. We help Hillspring continue its mission of supporting local families, and providing programs that nurture spiritual growth and community well-being. This partnership is a demonstration of our commitment to building strong, caring and connected communities.
Plans to Prosper is committed to supporting the development and health of local youth through our support of the Waterdown Wolves Youth Baseball Team. Our sponsorship helps provide young athletes with opportunities to learn, grow, and develop important life skills both on and off the field. By investing in youth sports, we hope to foster teamwork, perseverance, and community pride in the next generation of leaders.
Plans to Prosper is committed to supporting the development and health of local youth through our support of the Waterdown Wolves Youth Baseball Team. Our sponsorship helps provide young athletes with opportunities to learn, grow, and develop important life skills both on and off the field. By investing in youth sports, we hope to foster teamwork, perseverance, and community pride in the next generation of leaders.