facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

Meet the Point B Financial Team

We are committed to contributing positively to the quality of our clients’ lives, and their financial future.


With respect, trust and confidentiality, we will give priority to your goals and concerns and work exclusively for your benefit. We have the range of expertise and the comprehensive offering of products and services to meet your unique needs and financial goals.

Get to know us better by clicking on a name below.

Point B Financial team photo

Sonia Bance

Client Services Coordinator

Carla Dos Santos, BA, CFP®

Senior Wealth Advisor

Jody Kovacs

Executive Administrative Assistant

Kelly O'Hagan

Investment Associate

START A CONVERSATION

Carla Dos Santos, 1sm1BA, CFP®1sme1 Photo
Read Bio

Carla Dos Santos, 1sm1BA, CFP®1sme1

SENIOR WEALTH ADVISOR

Carla Dos Santos, BA, CERTIFIED FINANCIAL PLANNER®

Senior wealth Advisor | Manulife Wealth Inc.

President | Point B Financial Inc.





Carla graduated from the University of Western Ontario and has been working in the financial planning industry since 1998. She obtained her MFDA license, CFP designation and insurance licensing early in her career, and achieved her IIROC license in 2016. She has been steadily upgrading her credentials ever since. Carla believes in continuous professional development, to ensure that she is providing outstanding financial advice to her clients.

Carla discovered her lifelong vocation at a very early age. When she was ten, she began a journal in which she recorded every penny that she had earned or spent. (The journal continues today.) Almost immediately thereafter she began investing monthly. Her work today is a continuation of those early interests. She has a love for Wonder Woman, who was born a princess but chose to be a warrior in the service of others. Carla is a warrior, always striving to make a difference in the lives of her clients, friends and family. Her concern for the financial well-being of her clients is genuine. She successfully manages the financial affairs of high-net-worth individuals, families and small business owners who require sophisticated and complex strategic planning.

Outside of work, Carla and her husband are cheerleaders for their son Zach at his various sporting events. She enjoys event planning, biking, swimming, gardening, organizing spaces of all sizes, and travelling. She loves birthdays, and each year cannot sleep the night before her own. Carla makes it her mission to be a positive influence in the lives of others.


Kelly O’Hagan Photo Kelly O’Hagan Hover Photo
Read Bio

Kelly O’Hagan

Investment Associate

Kelly O’Hagan

INVESTMENT ASSOCIATE | Manulife Wealth Inc.




Kelly began working in the wealth management industry in 1994, and steadily advanced through a variety of progressive roles. She was first licensed with IIROC in 2003 and she joined Point B Financial in 2016. In 2017, seeking an even higher level of securities industry licensing, she completed her Wealth Management Essentials course. This has added to the already impressive level of knowledge, experience and communication skills which she needs when talking with clients 

Kelly’s official title is Investment Associate: really, she’s Carla’s right hand. She works closely with Carla in reviewing clients’ investment portfolios, in creating and updating modeled portfolios, in product analysis and investment research. She also helps Carla in preparing long-term financial plans for our clients. Kelly’s extensive knowledge of the industry, her readiness to talk with clients about current market conditions and explain our investment philosophy, and her skill in answering investment questions and inquiries, and discussing Carla’s investment recommendations all significantly heighten our clients’ experience.

Nothing gets Kelly more excited than spreadsheets. Besides creating them to track details in our client files, she uses them to keep track of almost everything in our office. Her superb attention to detail and excellent memory ensure that nothing gets past her. We think that in a past life she may have been a detective.

Kelly enjoys her daily walks and spending time in her backyard gardening. She also loves yoga, biking, reading, and being in the outdoors – especially anywhere close to water.


Jody Kovacs Photo Jody Kovacs Hover Photo
Read Bio

Jody Kovacs

Executive Administrative Assistant

Jody Kovacs

Executive Administrative Assistant
Manulife Wealth Inc. / Point B Financial Inc.




Jody worked in the banking industry from 1993 to 2021. As a Financial Service Representative with two of the major banks, she developed a sound understanding of clients’ lending and investment needs.

In 2021, seeking an opportunity to offer more personalized help and service, Jody became the Executive Administrative Assistant for the Point B Financial team. Here she prepares and processes all forms for investments and insurance, and is the liaison between clients and fund companies. She has loved her new job so much that she recently made the move from her hometown, Tillsonburg, to the big city of London.

Jody excels at balancing multiple tasks while staying organized. She developed those multitasking skills as a hockey and figure skating mom to her son and twin daughters. She and her husband are now empty nesters, at home with just their dog, Toby. However, when not at work she usually can be found at a curling rink, yoga studio, golf course, or sunning in Florida. She also belongs to a book club – or so she says, for she seems to have a hard time remembering what book they have just read.

Jody’s addiction to jujubes keeps her energized and this, with her upbeat positive attitude, ensures that she is always ready to provide help and a smile to our clients.

.


Sonia Bance Photo Sonia Bance Hover Photo
Read Bio

Sonia Bance

Client Services Coordinator

Sonia Bance

Client Services Coordinator
Manulife Wealth Inc. / Point B Financial Inc.




Sonia, our Client Services Coordinator, already had fifteen years of experience in client services when she joined Point B Financial in 2022. She is the welcoming voice of Point B, managing the phone and greeting all clients visiting the office with professionalism and warmth.  Sonia is responsible for the general day-to-day operations of the office, keeping the business running smoothly. Her biggest task is managing Carla’s busy calendar, while also providing excellent client services.

Sonia is well travelled. She was raised in England, but was born and spent her first year in India. After England came first a move to Prince Edward Island, and then finally her move to London, Ontario, which she now calls home. She speaks four languages – or five if you count some of the vocabulary which she picked up in that other London – it, and her accent, are “lovely jubbly”.

Sonia has three sons. In her spare time (what spare time?) she enjoys cooking, especially Indian dishes. She also has found the time to acquire a remarkable knowledge of the Royal Family. However, her favourite spare time activity is watching a good movie with her boys.