Roman A. Groch, BA, CEA, CFP^®, CPCA, EPC

CERTIFIED FINANCIAL PLANNER^®
Senior Financial Planner
Investia Financial Services Inc.

CERTIFIED FINANCIAL PLANNER^®
Insurance Advisor
RomAnna Management Inc.

Work Experience
Roman runs a Human Based Business founded on the 4 Way Test, we never forget that our clients are real people and together we arrive at very personal solutions and goals. He has been advising clients in Welland and surrounding areas since 1998. His continuous focus and full commitment has been on professional Financial Life Planning^®. In the three previous years, he was a financial advisor with a St. Catharines, Ontario based firm. Prior to this from the beginning of his financial career in 1989, Roman was employed by a major Canadian Trust Company as an internal branch manager with responsibilities for products and services in investment and credit.

Education

In 2024 Roman completed the CEA Program and has earned his CEA designation. The role of the Canadian Institute of Certified Executor Advisors is to:

• Educate candidates to a standardized level of care, conduct and professionalism
• Provide current and relevant updates, tools and resources
• Facilitate and foster networking among qualified, dedicated professionals across Canada
• Aid Executors in locating CEAs in their region and by their discipline

Why Work With a CEA?
Executors may need the assistance of over a dozen different professions in the course of their duties, because no one profession understands the big picture, including the roles and functions of every specialist needed - until now.

Certified Executor Advisors are experts in their own field but also have broad practical knowledge of everything the executor needs to know. They're uniquely equipped to steer executors away from potential problems and toward the professionals they need.

For testators wanting to ensure their estates are well prepared, so as not to be a burden on their executors, CEAs can offer tremendous value. They've seen what happens when estates aren't properly prepared, and the fallout can be shocking. Estates can be frozen for years, sometimes decades, heirs can be disinherited, intended charitable bequests can be defeated, and families can be permanently ripped apart.

Certified Executor Advisors can advise testators, executors and heirs, and they work hard to ensure successful transition from generation to generation, helping to keep Canadian families happy, healthy and harmonious. Which will be your legacy?

In 2017 Roman completed the Canadian Initiative for Elder Planning Studies course (EPC). The EPC involves a "total needs approach" based on the fact that needs evolve from an individual's early wage-earning years through the aging process. The mission of the program is to enrich the knowledge and understanding of professionals, including Insurance and Financial Advisors, on topics focusing on the specialized needs of Canadians as they age.

In 2012 Roman completed the Financial Life Planning^® Money Quotient course. Planning Life Financially is our client-centered service where the life of the client must be the axis around which financial discussions revolve and evolve. Although most individuals understand that money is not the be all and end all, they do perceive money as a means to building the life they desire and avoiding circumstances they will regret. Planning Life Financially is our way of broadening the conversation from asset management to life management

Roman in 2006 earned the Certified Professional Consultant on Aging (CPCA) designation. Together with the Level II Insurance qualifications, Roman is a Financial Advisor through Investia Financial Services Inc. and an Insurance Advisor with RomAnna Management providing estate planning services and solutions.

Roman received the internationally recognized CERTIFIED FINANCIAL PLANNER^®, designation in 1999.

As graduate of McMaster University, Roman holds a Bachelor of Arts degree.

Roman is fluent in both English and Slavic languages.

Associations
Roman is a member of the Canadian Institute of Financial Planners (CIFP), and is the Past President of the Welland Hospital Foundation. Roman is Past President of the Rotary Club of Welland and he is recognized as a Rotary Multiple Paul Harris Fellow (PHF and +8) as well as a Rotary Bequest Society Member. Roman is a Past Board member of the Winter Festival Of Lights in Niagara Falls.

Roman is actively involved with his community with focus being on youth programs - youth our future leaders.

Roman's roles involve:

• establishing goals and identifying obstacles and opportunities
• financial planning related enquiries, investment strategy implementation, account reviews
• introductions of our advisory team’s services to family members, friends, and associates
• questions regarding Vintage, Summit, & other separately managed accounts
• Retirement Optimization
• processing documentation for existing and new insurance policies
• all general account enquiries including taxation, retirement issues, etc.
• Insurance illustrations and policy delivery