Howarth & Pasion Wealth Management Group

“Wealth is the ability
to fully experience life”
Henry David Thoreau

Your Story, Your Experience

One of the most important lessons I learned as a student and in life is that in order to become good at providing advice, one must not only listen to understand, but also recognize that everyone’s economic and life situation is unique.

While I have been helping my clients discover and achieve what truly matters to them for over 27 years now, that message has become even more apparent. I understand that my clients are the most important part of my firm and that a meaningful conversation through deep discovery is essential before recommending any product or service.

Whether your objectives involve planning for retirement, managing your taxes, protecting your income and those who matter to you, or any of the other 11 wealth considerations, I want to help you make the best decisions.

Your Investment Advisor - "Preserving your family legacy for over 25 years"

I am a long-time resident of this beautiful province. My wife Jai and I call Crescent Beach our home with "Lily", a white female boxer who rescued us through "Without Borders Boxer Rescue", a non-profit organization that we continue to support. I am a son and one of five children with four sisters, and an uncle to four nephews and one niece. My mom lives a few minutes away in a suburb near Richmond. My favourite motto is "leave it better than you found it!". I am a cyclist, paddler, hiker, "overlander" and "Pender-Islander", on the off days.  I am also an avid reader and my favourite authors are:  Lee Child, Vince Flynn, Nicholas Sparks and Khaled Hosseini.  I am an active (10+ years) supporter and volunteer for the Canadian Cancer Society, BC Cancer Agency and Canuck Place.

My educational background includes an undergraduate degree in macro-and-micro economics from the University of British Columbia, a minor in psychology, and a diploma in financial management through the British Columbia Institute of Technology. Although I earned my professional designations (CFP®, CIM®, FCSI®, FMA) through continued schooling, they do not mean anything without connecting with the people I interact with for wealth management discussions.


Howarth & Pasion Wealth Management Group is a part of TD Wealth Private Investment Advice, a division of TD Waterhouse Canada Inc. which is a subsidiary of The Toronto-Dominion Bank.

I was born in the Fiji Islands and moved to Canada with my family in 1974. Since moving here, I have lived in Vancouver and Richmond.  I started my career in banking as a Customer Service Representative with BMO then moved to Telus Corp.  Family First, I took some time off to focus on my two young children.  I must say my role as a busy mom was extremely rewarding. 

In 2000, I joined TD Canada Trust as a Customer Service Representative.  Wanting to explore other opportunities within the banking world, I discovered an interest in the Investment field and joined TD Waterhouse Private Investment Advice in 2006.  I have completed the Canadian Securities Course, Conduct and Practices Handbook, and continue to update my education thru active learning to add value to our team through my knowledge and experience.

Outside of work, my life revolves around family and friends.  I really enjoy singing and creative cooking.  My passion is travelling.  I love to see different parts of the world and explore different cultures.  I have been fortunate to visit over 18 countries around the world and be a part of their colorful experiences.   In the end, always love to be home, a true BC'ER at heart.

If you should require any assistance regarding your account please feel free to call her at 604-482-5186 or email:  sherine.lal@td.com