Financial Advisors

The financial advisors who work most effectively, it seems never say ‘I.’ That’s not because they have trained themselves not to say ‘I.’ They simply don’t think ‘I.’ They think ‘we‘; they think ‘team.’ They understand their job is to make the team function. They accept responsibility and don’t sidestep it, but ‘we‘ gets the credit…. This is what creates trust, what enables you to get the task done.

Justin Massad
Founder - F.S.A. - MDRT & CALU Member

Justin Massad is the Owner and President of Pro Health Financial, specializing in tax and insurance planning for business owners and high-net-worth families, with a particular focus on estate and legacy planning. He advises clients on sophisticated strategies designed to preserve wealth, minimize taxation, and efficiently transfer assets across generations.

A former Triple-A baseball player, Justin developed early on the discipline, resilience, and team-first mindset that continue to define his professional approach. When an injury ended his athletic career, he redirected his competitive drive toward financial risk advising—an often complex yet critically important field dedicated to protecting families and businesses from financial uncertainty.

Pro Health Financial represents many of the leading insurance carriers in North America, allowing us to remain independent, objective, and solutions-focused when structuring insurance and risk-management strategies for our clients.

At just 21 years old, Justin became an entrepreneur in the insurance and financial-planning industry. Through extensive education and mentorship under senior financial risk advisors with more than 40 years of experience, he built a practice grounded in technical excellence, collaboration, and long-term thinking. His guiding philosophy is simple: one only wins when the entire team wins.

Justin is a member of the Canadian Association of Life Underwriters (CALU) and leads a network of like-minded professionals committed to delivering holistic tax, insurance, and estate-planning solutions that provide lasting financial independence, security, and peace of mind for clients and their families.