More than twenty years inside Canada's biggest financial institutions. Now I work for you.

My story, briefly

Before I ever arranged a mortgage, I spent more than twenty years inside Canada's biggest financial institutions: CIBC, BMO, Scotiabank, and OMERS. Along the way I spent years working on compliance projects, the work of making sure financial products are sold honestly, disclosures are real, and the rules that protect ordinary people are actually followed.

You learn two things in a career like that. First, how financial products really work underneath the brochure. Second, how easily older adults get talked into things by people who are friendly, confident, and paid on commission.

When I became a mortgage agent, I chose to specialize in reverse mortgages for one reason: it's the corner of the mortgage world where honest, patient explanation matters most. The product is genuinely useful for the right family and genuinely wrong for others, and the difference is everything.

How I work

• I listen first. Your situation, your worries, what you're actually trying to solve. The product comes second, if at all.
• I show my math. You get real numbers in writing, what you'd receive, what it costs, how the balance grows over ten years. Take it home. Show your kids.
• I compare the market, not one brochure. Canada's reverse mortgage space is led by three major lenders (HomeEquity Bank's CHIP, Equitable Bank's Flex, and Bloom), with newer entrants such as Home Trust arriving too. I compare whichever lenders fit your situation.
• I'll say no. If a HELOC, refinance, downsizing, or simply doing nothing serves you better, that's what I'll recommend. I'd rather lose a deal than deserve a complaint.
• Family is welcome. Bring your children, your accountant, your lawyer. Good decisions survive scrutiny.