Wayne Hargrave, CFP

Certified Financial Planner
Investment Representative

(905) 656-3713

23 Silverstone Crescent
Keswick, Ontario  L4P 4A4

Wayne is a Certified Financial Planner with over 20 years’ experience. He is passionate and dedicated in helping individuals, families and businesses achieve their financial goals.  Specializing in providing uniquely tailored retirement plans, he personally advises clients on their specific needs and goals focusing on the long-term “big picture.”

Since 1996, Wayne has been providing clients with comprehensive wealth management solutions by providing advice on investment planning, insurance planning, retirement planning, tax planning, estate planning, and education savings planning.  He is a member of the Financial Planners Standards Council having earned the Certified Financial Planner (CFP) designation.

Wayne’s commitment to client’s success, and doing everything necessary to make it happen is the cornerstone of his practice. A key component to success is ongoing communication through written plans, reports and newsletters, telephone calls, emails, and, most important, face-to-face meetings.

Committed to the betterment of the industry, Wayne volunteers with the Financial Planning Standards Council and mentors small business owners.

A balanced life is very important to Wayne. When he steps away from advising clients, he spends his spare time volunteering at his local church, golfing, scuba diving and travelling.  He works and lives in York Region with his wife Elaine.

Scott Cowie, CHS

Financial Security Advisor
Investment Representative


100-3760 14th Avenue
Markham, Ontario  L3R 3T7

Scott started his career with Freedom 55 Financial in 2004 as a financial security advisor. While engaged in various management positions within the organization over the years he became a Certified Health Insurance Specialist (CHS) in 2013. Most recently, in 2015, Scott joined Cowie & Hargrave Financial Services. Providing financial care has been the family business for more than 20 years. Anyone who knows Scott will attest to his passionate nature. As a financial security advisor he has the perfect platform to apply his passion to helping his clients reach their financial goals and dreams. Scott is married to his wife Philippa and together they have three children: Sienna, Lincoln, and Preston. Scott spends much of his free time engaged with his children and their activities such as hockey and piano. He is an avid cyclist who also enjoys hockey, soccer, P90X and being involved in his community in Newmarket, Ontario.

Scott helps his clients set realistic and attainable financial goals, and provides a customized, written financial security plan. He has access to a variety of products to meet his clients’ needs, including:

  • Life insurance
  • Disability and critical illness insurance (income and asset protection)
  • Investments
  • Retirement income
  • Children’s education
  • Business solutions
  • Health insurance
  • Mortgages
  • Solutions BankingTM

Financial security planning is more than budgeting, saving or having the perfect investment strategy. Financial security planning is a process that sets you on a course toward achievement of your personal goals, needs and priorities through the proper management of your financial affairs.

Scott looks forward to meeting and working with you, and providing you with a comprehensive and unbiased approach to insurance and financial security planning.

Elaine Hargrave

Financial Security Advisor
Investment Representative


23 Silverstone Crescent,
Keswick, Ontario L4P 4A4

Elaine is a financial security advisor dedicated to helping individuals and families achieve their financial planning goals. She provides advice on insurance planning, investment planning, retirement planning, estate planning, and education savings planning.

In 2011, after 22 years in the legal publishing industry, Elaine decided to pursue a career as a financial security advisor. The world of insurance and investing had been of interest to her for many years. She found being a client before she made the career switch proved to be very helpful with her decision to change.

Committed to the value financial security planning provides her clients, Elaine is focused on delivering superior customer service and sound insurance and investment advice.

Elaine is a business graduate from St. Lawrence College and Seneca College and is a member of the Canadian Sales Professional Association.

Outside of work, Elaine volunteers at her local church, is a fitness enthusiast, avid runner completing several marathons and half marathons and a triathlon, enjoys golfing, travelling and spending time with friends and family. She works and lives in York Region with her husband Wayne.

The information on this website is intended for residents of Ontario only.

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Insurance products, including segregated fund policies are offered through Cowie and Associates Financial Services Inc., and Wayne Hargrave, Scott Cowie and Elaine Hargrave offer mutual funds through Quadrus Investment Services Ltd.

Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design and Quadrus Group of Funds are trademarks of Quadrus Investment Services Ltd. used with permission.

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Representing Freedom 55 Financial, a division of London Life Insurance Company

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