How it works
My MoneyThe day-to-day engine — what comes in, goes out, and what you may be owed.My AssetsEverything you own, valued and reconciled in one place.My PlansForward-looking projections for tax, estate, retirement and budget.My ToolsYour whole picture read in one place — the moves worth considering, in order.My DetailsAccounts, documents and settings that power the whole system.
Learning LibraryPlain-language lessons across every money topic — read, watch, and go as deep as you want.OWN YouthFinancial literacy for the next generation — built for youth, parents and teachers.
About OWN
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Who built it

Built by people who care about judgment, not noise.

OWN was built by a focused founding team — small enough to be careful, opinionated enough to build with discipline.

Oscar Howe — Co-founder and CEO of OWN Financial

Co-Founder

Oscar Howe

Oscar leads OWN's product and company with a single standard: does this create clarity, and does it help someone act intelligently? If the answer is no, it doesn't ship. His work is to turn the complexity of a financial life into one calm, legible system — depth beneath the surface, quiet on top.

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Highlights

  • Sets OWN's product doctrine — every feature must create clarity, prompt action, and expose quiet opportunity cost.
  • Leads a design-led approach to financial software, building for judgment over noise.
  • Focused on bringing the depth of analysis normally reserved for advised households to everyday Canadians.
Full profile on LinkedIn
Norman Howe — Co-founder and Advisor of OWN Financial

Co-Founder

Norman Howe

Oxford-educated lawyer, entrepreneur, founder of Howe & Co., and former President & CEO of Butterfield & Robinson, Norman Howe has spent more than 25 years building, acquiring, scaling, and advising businesses. Throughout his career, he has led award-winning organizations, advised entrepreneurs and private investors, and built a reputation for thoughtful leadership and long-term value creation.

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Beyond business, Norman has spent decades developing a deep understanding of personal finance, investing, tax strategy, and wealth planning. At OWN, he brings that experience to ensure every decision is grounded in practical thinking, sound judgment, and what's genuinely best for Canadians.

Highlights

  • Oxford-educated lawyer.
  • Founder of Howe & Co.
  • Former President & CEO of Butterfield & Robinson.
  • 25+ years of entrepreneurial, executive, and strategic leadership.
  • Trusted advisor to entrepreneurs, business owners, and private investors.
Full profile on LinkedIn Full biography

The people matter. The standard matters more.

OWN is built around a clear doctrine: calm over noise, judgment over hype, privacy by architecture, and useful intelligence over financial theatre. The founders are the stewards of that standard.

OWN Financial does not provide legal, tax, accounting or investment advice, and no member of the team acts in a professional capacity for members.

Founding principles

We wrote these down before we wrote a line of code.

Principle I of X

Clarity creates freedom.

Money shapes optionality, resilience and independence. The clearer the picture, the better the decision — everything else follows from this.

Backed by

Independent, Canadian, and built with real resources.

Financial infrastructure requires more than a polished interface. It requires staying power, security discipline, patient capital and the resources to build carefully.

Howe Capital

Patient backing and long-term ownership discipline.

Capital

Howe & Co.

Financial, strategic and operating perspective behind the company.

Platform

Built in Canada

Designed around Canadian households, institutions, tax systems and planning realities.

Context

Privacy first

OWN is designed around protected data and privacy by architecture.

Trust
50+Canadian financial institutions connectable through Plaid (as at July 2026)
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Toronto148 RIVERDALE AVE, ON, M4K 1C3

See clearly.Act intelligently.Compound consistently.

OWN exists to help people move from a fragmented financial life to a clear, connected view of the whole thing — one better-informed decision at a time.

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14 days. No card. Sample data and a preview of Atlas Insights; live Atlas requires a plan.