About Us

Insurance & Wealth Planning Advisory Team

Founded in 2015, CGT Financial Services is a licensed insurance brokerage based in Richmond Hill, Ontario, serving individuals, families, and businesses across the Greater Toronto Area. Our commitment goes beyond placing the right coverage—we are dedicated to proactive, long-term policy management and ongoing client service.

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Our Team

Cris Guo

Financial Planner / Managing Director

Specialization: Wealth Management & Tax Planning
Bio: Commencing his insurance career in 2010 with the Sun Life Career Sales Force Department, Cris founded CGT Financial Services in 2015. He specializes in comprehensive policy planning and management across life, commercial, and property insurance.
Credentials: CLU · MDRT-TOT · QAFP
Service Focus: Delivering integrated solutions across Tax Planning, Wealth Planning, and Estate Planning.

Lulu Liu

Commercial & Property Insurance Manager

Specialization: Commercial & Property Insurance Management
Bio: Working in Property & Casualty (P&C) insurance since 2016, Lulu specializes in general and commercial insurance, bringing deep industry knowledge and extensive hands-on experience to every client account.
Credentials: Commercial Insurance Certificate
Service Focus: Centralized and standardized management for commercial and property insurance portfolios.

Sherry Wan

Account Manager

Specialization: Group Benefits / VIP Client Experience
Bio: Beginning her career in luxury jewelry and timepiece sales in 2018, Sherry is committed to delivering a premium, professional service experience and attentive ongoing support. Transitioning to the insurance industry in 2024, she now focuses on group benefits, life insurance, and travel insurance.
Credentials: LLQP Licensed Account Manager
Service Focus: Seamless communication with commercial and VIP clients, with fast-response handling of complex policy inquiries.

Celia Hui

Commercial Client Relationship / Customer Service Representative

Specialization: Property Insurance & Client Services
Bio: Immigrating to Canada from Hong Kong in 2024, Celia previously served as a Sales Advisor Assistant at Canada Life. She now manages property insurance client accounts and daily service needs at CGT Financial Services.
Service Focus: Dedicated policy maintenance, timely renewal reviews, prompt service inquiry resolution, and effective multi-party coordination.

Credentials

Our team holds recognized industry designations and licenses in Canada, including Chartered Life Underwriter (CLU), Million Dollar Round Table - Top of the Table (MDRT-TOT), Qualified Associate Financial Planner (QAFP), LLQP Life Insurance Licensing, and the Commercial Insurance Certificate—ensuring rigorous, compliant, and professional advisory standards.