Twenty years making banks follow the rules. 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 — working in compliance. My job was to make sure financial products were sold honestly, disclosures were real, and the rules that protect ordinary people were 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 every lender. All three Canadian reverse mortgage lenders — HomeEquity Bank (CHIP), Equitable Bank (Flex), and Bloom — not just one.
• 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.