Our Process

Paul’s investment process involves customizing each portfolio to the client’s objectives and risk profile. His one-on-one philosophy means paying more attention to his clients, understanding their goals and recognizing their needs.

Paul believes in delivering clear cut advice to his clients. When they contemplate unwise decisions, he says, “I tell them.” he finds that he can guide his clients to rational decisions by filtering the daily barrage of news and commentary.The challenge to investors, he maintains, is to discern the real information–the signal to buy or sell–from the rhetoric and noise. Paul maintains that there is one path to success. Success comes from buying on fundamentals and holding for the longer term. Success comes from a disciplined investment strategy.

By integrating disciplined investment management, transparent brokerage and expert planning advice, Paul offers each client a value proposition that is truly greater than the sum of its parts.

Paul Crema is a member of several professional organizations, including the Canadian Association of Insurance & Financial Advisors (Advocis), the Financial Planner Standard Council (FPSC), and the Insurance Institute of Canada (IIC).

Our Approach


For over two decades we have been meeting the needs of individuals and families, specializing in financial planning and implementation.

Harmony Financial Group Inc. has the experience and background to provide our clients with the absolute best service available.


We primarily offer products through Investia Financial Services Inc. (Mutual funds products) and Financial Horizons Group (Insurance products). We are committed to assessing your needs and matching our investment products to your needs and budget.

We have strong community ties to Richmond, Vancouver and the Lower Mainland with a sincere desire to cultivate long-term relationships with our clients. Our Future Success Planning Service allows us to help you define and meet your financial security needs.


You receive a custom-designed solution. We do not recommend ‘one size fits all’ investments services.

We view each client as an individual with truly personal needs: our role is to help you determine those needs and design a plan to meet them.

Once completed, we then implement your plan recommending the most appropriate insurance and financial products.

Follow-up meetings and ongoing advice are also an important service you receive.


In today’s fast-moving financial world, advisors need both solid grounding and ongoing education to keep up-to-date.

Harmony Financial Group Inc. is committed to remaining at the very forefront of our industry. You can be assured you are receiving the up-to-date information and advice.


Harmony Financial Group Inc. is a member of the following organizations:

Mutual Fund Dealers Association of Canada


CFA Institute

Insurance Institute

Financial Planner Standard Council

Our firm strongly supports and abides by their codes of ethics and standards of professional conduct.