Experience

Leveraging Expert

Became recognized leverage expert in Canadian financial industry

created Leverage Professional software, analyzing borrowing to invest strategies, licensed to national bank’s financial advisors
wrote and self-published **Dispelling the Myths of Borrowing to Invest booklet**, sold (70K+) bundled with advisor workshops and client seminars, branded by several investment lenders, licensed content to a fund company
wrote and self-published **Introduction to Conservative Leverage pamphlet**, sold 40K+, mostly to a national bank
wrote and self-published **The Smart Debt Coach book**, sold 3K+ (after global financial crisis, created by irresponsible leveraging of U.S. real estate)
Consulted with Canadian Investment Lenders
- Worked with all major investment loan lenders
- Consulting to national lender for entry into investment loan market
- Licensed intellectual property for:
  - Dispelling the Myths of Borrowing to Invest booklet (to a major investment fund company)
  - Seminar package on Conservative Leverage (to a mutual fund company)

bestselling book Financial Freedom Without Sacrifice
- launching speaking career (client seminars, advisor workshops) hired by financial advisors, investment lenders, money managers
- bestseller before publishing, pre-selling to fund company and book retailers
- sold 145K+
Dispelling the Myths of Borrowing to Invest (Booklet)
- partner-branded versions to several investment lenders and national bank (bi-lingual)
- 70,000+ copies sold
Introduction to Conservative Leverage (Pamphlet)
- 40,000+ copies sold
The SMART DEBT Coach (Book)
- 3,000+ copies sold
created b-Books (branded PDFs) of books, booklet, pamphlet
- branded to financial advisors
Strategy Sheet subscriptions
- A co-branded 1-page education and marketing tool for financial advisors
- over 70 articles

Roughly 90% of books and booklets sold were via bundling 100 copies with speaking fees (Advisor training workshops, Client seminars)
This unique and effective model was possible because, I was self-published and the unit cost was approximately $2 per copy

Windows software analyzed borrowing to invest for Canadian investors (Interest-only loans, Term loans, RRSP loans)
Licensed to financial advisors at a major Canadian bank, and bilingual per bank requirements
Yielded a 40× return on hard-cost investment, not including personal time invested

web software that educated and analyzed innovative financial strategies that benefited investors and financial industry.
genuine interest from several national banks before building, but when complete, barriers prevented adoption, including other priorities, desire to simplify software portfolio, changing decision makers, and more, resulting in a failed business project
Lessons
- Even initial verbal interest from ideal target market is not sufficient. Need written commitment and/or financial investment to validate genuine interest.
- Best to build small Minimum Viable Product (MVP) and iterate based on actual user priorities.

Personalized, white-label education system with customized WordPress plugins
Generated no direct revenue, but provided valuable experience in creating brandable advisor tools
Would be easy to replicate with modern tech stacks

Authored 5–8 articles in Investment Executive
TV and radio appearances (dozens), as an expert on personal finance, and especially borrowing to invest
Featured on the cover of MoneySense Magazine
Published articles in: Money Digest, London Free Press, Canadian MoneySaver

15+ years of experience managing several administrative assistants, and have hired many co-op students and a few freelancers for software development projects.