Monica To,

With more 14 years of experience across banking, wealth management, investments, and financial planning, Monica brings a deep commitment to helping clients feel confident and empowered in their financial decisions. Her approach focuses on creating personalized, goal‑driven strategies that make retirement and long‑term planning feel clear and achievable.

In 2025, she joined the Aspira Wealth team at Raymond James where she continues to deliver thoughtful advice in retirement planning, tax‑efficient strategies, and holistic financial guidance. Her background includes senior advisory roles at Scotiabank, HSBC, and TD Private Wealth, supporting clients with complex financial needs.

Monica holds the Personal Financial Planner (PFP^®) designation and the Chartered Retirement Planning Counselor (CRPC^®) designation. She is committed to ongoing education and staying current with planning strategies to better serve her clients.

When she’s not working with clients, Monica enjoys staying engaged in her local community and pursuing her passion for the arts, rooted in her Bachelor of Music from the University of Victoria. She also enjoys spending time out in nature with her husband, two kids, and her dog.

2012 – Joins TD Canada Trust as a Client Services Associate

2014 – Promoted to Financial Services Representative at TD

2015 – Joins TD Private Wealth as an Associate Private Banker

2017 – Marries her husband

2020 – Welcomes her son

2021 – Joins HSBC as a Premier Relationship Manager

2022 – Welcomes her daughter

2023 – Joins Scotia Wealth as an Investment Specialist & Financial planner

2025 – Joins Aspira Wealth as Financial Planner