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Your life is full of choices. Having a trustworthy, experienced advisor to guide your through your important financial decisions and help you develop long-term goals and solutions for your financial and insurance needs makes all the difference in the security of your future.


Clients looking for solid advice and common sense solutions choose Harmony Financial. Harmony Financial meets the financial objectives of its clients by providing the highest level of service and delivering superior investment options and sound advice.


Harmony Financial's investment process involves customizing each portfolio to the client's objectives and risk profile. Our one-on-one philosophy means paying more attention to our clients, understanding their goals and recognizing their needs.

Paul Crema offers over 20 years of experience in comprehensive financial planning. 

With Paul's designations: Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), Chartered Financial Consultant (CH.F.C), Chartered Insurance Professional (CIP), Fellow Chartered Insurance Professional (FCIP).


Paul’s sensible and holistic approach to planning focuses on helping his clients establish realistic goals. He provides ongoing value by helping develop and monitor all investment and insurance strategies to support those objectives.

  • Investment products offered through Investia Financial Services Inc.

  • Insurance products offered through Financial Horizons Group

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