Meet The Team

Harry Ngo is a finance professional with over 10 years of experience in the industry. He holds a Bachelor of Science degree with double majors in Biology and Psychology from the University of Toronto. In addition, Harry has completed the Canadian Securities Course (CSC) and is a Level 2 candidate in the Chartered Alternative Investment Analyst (CAIA) program as well as a Level 3 candidate in the Chartered Financial Analyst (CFA) program.

Harry has previously held the title of Financial Services Manager at TD Bank, where he gained valuable expertise in the field. He has a unique experience with investment properties, which sets him apart from other finance professionals.

Fluent in both English and Vietnamese, Harry is able to provide exceptional service to a diverse clientele. In his free time, Harry enjoys supporting the New England Patriots, playing badminton, and playing basketball. He is also a retired football player, former swimming instructor, and a passionate skater. Harry is a proud father and a dog lover.

Chahat Thakur is a Residential Mortgage Specialist with 6 years of experience in the finance industry. She previously worked as a Mortgage Underwriter and has experience in LML mortgages with Mortgage Alliance. Chahat has a Bachelor of Commerce in Business Management from Humber College.

Her unique experiences make her a specialist in debt consolidation and refinances. Chahat specializes in rush closings and finding the lowest rate options for her clients. She is also fluent in English, Hindi, and Punjabi.

Outside of work, Chahat has a passion for helping others and has a motto of “Rising by lifting others”. She loves being one with nature by exploring national parks and lakes in Ontario. Chahat’s social media presence showcases her dedication to helping clients achieve their dreams and goals.

Karen Patino Ramirez is a highly experienced finance professional with over 9 years of experience in the industry. She has worked in various roles, including Finance Manager and Financial Advisor. Karen’s niche is investment properties, and she enjoys helping her clients build their investment portfolios.

Karen is a BA Hons graduate from the University of Toronto and is fluent in English and Spanish. She is also a small business owner and has experience volunteering in her community.

Outside of work, Karen enjoys spending time with her 3 dogs, as well as staying active with her fitness and health interests. 

Karen’s professional background and unique experiences have equipped her with the knowledge and skills necessary to provide top-notch financial advice to her clients. She takes pride in delivering exceptional service and is committed to helping her clients achieve their financial goals. 

Charles Kayitaba is a dynamic professional with extensive experience in the finance industry and sales. With a Bachelor of Science in Kinesiology and Human Kinetics, Charles brings a unique perspective to his work in real estate investment and management.

Charles has over 4 years of experience in finance and 7 years in sales, and has held various roles including Project Manager for Real Estate Investors, Regional Fitness Manager of Orange Theory Fitness, and Physiotherapist Assistant & Clinical Advisor.

As Regional Fitness Manager for Orange Theory Fitness, Charles successfully oversaw the business operations on a regional scale, ensuring monthly targets were hit, and growing sales teams for individual studios.

Charles also has experience in overseeing multi-unit real estate projects, ensuring that capital partners receive their projected returns.

Charles has a unique experience operating Ontario’s first Real Estate Networking and Education Company, which specializes in breaking down barriers for marginalized communities and Real Estate entrepreneurs. Through collaboration with Canada’s most successful real estate professionals and establishments, Charles helps provide education and support for those who need it most.

Fully bilingual in both spoken and written English and French, Charles holds a Bachelor of Science in Human Kinetics and Biology with Honors. Outside of work, Charles is a fitness enthusiast, an avid reader, and aspires to write his own book.

John Koumbridis has 9 years of experience in the finance industry. He has previously served as a Business Development Manager and has extensive expertise in client building, customer service, expanding businesses, and team building.

Before entering the finance industry, John was a small business owner of a butcher shop, providing him with valuable entrepreneurial experience. He is fluent in both English and Greek, allowing him to communicate effectively with a diverse client base.

In his personal life, John is a devoted father of two children and holds down another job in addition to his work in finance. 

He understands the value of hard work and the importance of striking a balance between his personal and professional commitments.

John is also a proud owner of a labradoodle named Murphy, who he considers to be his third child. When he’s not working, John enjoys playing and watching basketball and staying active.

John’s extensive professional experience and unique background make him an asset to any client seeking expert financial advice. He is dedicated to providing top-notch service to his clients and helping them achieve their financial goals.

With a background spanning over a decade as a Registered Nurse and Emergency First Aid Instructor, Vincent Vinh-Son Nguyen brings a high level of dedication to his role within the finance industry. His advancement through diverse roles has enhanced his leadership and communication skills, empowering him to adeptly navigate high-pressure scenarios.

Vincent is committed to help his clients either secure their initial property or bolster their real estate portfolios. He is very dedicated and passionate about supporting his clients. He excels in promptly conveying vital information and remains acutely aware of current market trends and rates.

During his leisure hours, Vincent’s hobbies include cooking, staying active by engaging in sports like soccer and golf and staying up to date with global events, particularly focusing on Canadian politics and international affairs. Additionally, he passionately supports the Toronto Raptors.

Vincent’s blend of education, practical experience, and specialized knowledge positions him as a valuable addition to the team. His dedication to deliver exceptional service to clients and aiding them in reaching their real estate objectives is unwavering.

Simpy Kapoor is a talented Mortgage Agent with over 4 years of experience in the finance industry. She has a Bachelor of Arts in Marketing, which provides her with valuable insights into the marketing and sales aspects of the industry. Simpy has previously held the title of Manager and has over 10 years of experience in marketing and sales.

As a mortgage specialist, Simpy has a broad range of experience in deals ranging from first-time home buyers to private lending, investment properties, and B lending. She is committed to helping her clients navigate the complex world of mortgages and finding the best possible solutions for their unique needs.

Simpy is fluent in English, Hindi, Punjabi, and German, which allows her to provide exceptional service to a diverse clientele. She takes pride in being able to communicate effectively with her clients and helping them achieve their financial goals.

In her free time, Simpy enjoys spending time with her children and family, as well as travelling to new countries. Her passion for travel has given her a unique perspective on the world and allows her to connect with people from all walks of life.

Simpy’s combination of education, experience, and unique expertise make her a valuable asset to any mortgage team. She is committed to providing exceptional service to her clients and helping them achieve their financial goals.

Nicholas Salvador is a seasoned finance professional with over 10 years of experience in the banking industry. He has held the titles of Mobile Mortgage Specialist and Financial Advisor, providing him with extensive knowledge and experience in the industry.

Nicholas has a unique expertise in various types of mortgages, including multiple rentals, mortgages for business owners, mortgages under a holding company, mortgages for new Canadians, and cottage/recreational properties. He is committed to helping his clients navigate the complex world of mortgages and finding the best possible solutions for their unique needs.

Nicholas is fluent in English, allowing him to provide exceptional service to his clients. He takes pride in being able to communicate effectively with his clients and helping them achieve their financial goals.

In his free time, Nicholas enjoys golfing, shooting, and cooking. He finds that these hobbies help him to relax and unwind after a busy day at work.

Nicholas’s combination of education, experience, and unique expertise make him a valuable asset to any mortgage team. He is committed to providing exceptional service to his clients and helping them achieve their financial goals.

Ricky Verma is a dedicated Mortgage Agent Level 1 with a passion for helping his clients achieve their financial goals. He has been working in the real estate and service industry since 2016 and has gained valuable expertise in the field. Ricky has completed his education from the Real Estate & Mortgage Institute (REMIC) and OREA College, and also holds a Masters in Computer Applications.

In addition to his professional achievements, Ricky is a dedicated follower of Isha Yoga. He practices various breathing techniques such as Pranayamas and Kriyas, Hatha Yoga, and meditation on a daily basis. This practice not only brings him health and spiritual benefits but also helps him keep calm and focused, which he finds to be an invaluable asset in his work.

Ricky’s dedication to his clients is second to none, and his commitment to providing exceptional service is evident in everything he does. He is passionate about helping his clients navigate the complex world of mortgages and finding the best possible solutions for their unique needs.

Ricky’s combination of education, experience, and dedication make him a valuable asset to any mortgage team. His commitment to his clients and his passion for his work are what set him apart from other professionals in the industry.

Winson Ly is a seasoned professional with over 10 years of experience in sales and 4 years in finance. He holds multiple accreditations including CSC, Lean Six Sigma White Belt, Lean Six Sigma Yellow Belt, and is currently working towards his CRM. Winson’s previous job title was Senior Quality Assurance Analyst, where he oversaw the quality of work assignments outsourced overseas and domestically, and created and managed projects to solve current efficiency issues within the operations department.

In addition to his professional experience, Winson has a keen interest in investing in stocks and is looking into investment properties this year. 

He is fluent in English and Cantonese (Chinese) and holds a BA in Economics from Wilfrid Laurier University. With his experience and expertise, Winson is dedicated to providing his clients with top-notch service and helping them achieve their financial goals.

Simran Saini is an Officer Administrator & Coordinator with 2 years of experience in the finance industry. Prior to this, Simran worked as a Compliance Administrator for 1.5 years and has over 4 years of experience in Hospitality Management.

Simran has a unique perspective, having recently moved to Canada from Australia. This has given her an understanding of the unique challenges that come with relocating to a new country.

Simran is fluent in English, Hindi, and Punjabi, allowing her to communicate effectively with a diverse range of clients. She holds a Bachelor of Professional Accounting from Holmes Institute in Melbourne, Australia, which has equipped her with the skills necessary to excel in the finance industry.

In her free time, Simran is a pet lover and enjoys playing badminton.

Simrit Sodhi is a seasoned Chief Marketing Officer and Client Experience Specialist with over 12 years of experience in the finance industry. Simrit’s extensive career has included working in various channels of banking, including licensed investment specialist and compliance officer. She has also held the position of District Manager at TD Bank Financial Group. Simrit’s experience also includes financial services management, customer service lead and management roles, as well as owning and operating her own event planning company, Hostess with the Mostess Inc. She also has several years of retail management experience.

Simrit brings a unique set of experiences to her work, including managing a niche market real estate investment portfolio and being a small business owner. 

Simrit comes from a first-generation immigrant family and is a proud Mississauga resident and Mississauga history buff. Simrit is fluent in English, Hindi, Punjabi, and Urdu.

Simrit holds a Bachelor of Commerce from Toronto Metropolitan University, with a major in Marketing and specialization in Ecommerce. In her personal time, Simrit enjoys nature hikes, travelling, discovering new countries, and exploring new restaurants. She is also a mother of two beautiful boys.

Sebastian Gutierrez is an experienced mortgage specialist with a strong background in the finance industry. Having worked several years at Scotiabank and CIBC, he possesses a comprehensive understanding of investments and lending in Canada.  From managing investment properties and owning a small business to navigating life as a newcomer to Canada, he brings a diverse perspective to his role. Additionally, Sebastian is an active volunteer, dedicating time to support causes close to his heart.

Fluent in both English and Spanish, Sebastian communicates effectively with clients from diverse backgrounds. His expertise is further reinforced by an International Business Diploma from Seneca College.

Beyond his professional pursuits, Sebastian enjoys spending time with his two small dogs, indulging his passion for soccer, and exploring new destinations as an avid traveler. With a steadfast commitment to excellence, Sebastian Gutierrez continues to make a positive impact in the finance industry, helping individuals achieve financial success and secure a prosperous future.

Ruban Paul Anton has a diverse background in public relations, hospitality, and customer service. Currently based in Toronto, he holds a pivotal role in public relations, working closely with some of the city’s largest entertainment companies.

With a track record of success in senior management positions within the hospitality and distribution sectors, Ruban has enhanced his ability to navigate complex challenges and deliver results. He has an unwavering commitment to getting the job done.   Ruban has a reputation for reliability and the willingness to go the extra mile to find solutions for his clients.

Ruban takes immense pride in celebrating the success of his clients and fostering strong relationships with industry leaders. Fluent in both English and Tamil, Ruban possesses excellent communication skills, allowing him to connect with a diverse range of individuals and bridge cultural gaps effortlessly.

Harkirat Singh brings 2 years of dedicated finance industry expertise to our team. With a background as a Business Account Executive at Kingsmen Capital Investments.  He has honed his skills in bookkeeping, accounting, and small business analysis.

Harkirat is fluent in English, Punjabi and Hindi, ensuring effective communication with clients from diverse backgrounds. He holds a Bachelor’s Degree in Business Administration with a focus on Finance from Sheridan College (Hazel Campus). Outside of the financial world, Harkirat maintains a healthy lifestyle, hitting the gym six days a week. During weekends, he cherishes family time and enjoys friendly billiards matches with friends. Additionally, he’s a passionate UFC enthusiast.

With over a decade of experience in the world of finance, Shally Dhingra is your trusted financial specialist.  What sets Shally apart is her ability to simplify complex financial data, and finding suitable options for her client’s specific needs.  She currently also works as a Senior Financial Analyst at Canada’s largest energy provider.  In addition to her corporate finance background, she has also held the role of a Director, in a small business for over a decade. 

Shally’s multilingual abilities (English, Punjabi, Hindi, French) and a degree in Bachelors of Commerce with a focus on accounting further enhance her ability to provide financial expertise.  Beyond numbers, she’s a mother of two, a travel enthusiast, a food lover, a beach enthusiast, and a firm believer in the importance of family. Let’s navigate the financial world together, making it comprehensible and beneficial for you.

Adewale “Wale” Adedapo is an expert in the financial industry, specializing in mortgage services. Armed with a Business Administration Degree from the University of Windsor and a Post Graduation in Financial Technology from Seneca College, Wale combines academic prowess with practical expertise. With an impressive 9 years of experience in the financial sector, Wale has honed his skills across various domains, including assisting First Time Buyers, facilitating Refinancing processes, managing investment properties, and supporting small business owners. His expertise extends to guiding individuals new to Canada through the intricacies of the mortgage landscape.

Wale’s commitment to community extends beyond his professional life, as evidenced by his active involvement in volunteering. His dedication to making a positive impact resonates with our company values, reflecting a commitment to service and community building. Fluent in both English and Yoruba, Wale’s multilingual abilities enhance his ability to connect with clients from diverse backgrounds, fostering clear communication and understanding.

Beyond the financial realm, Wale’s relatable hobbies include both watching and playing soccer. Just as he navigates the complexities of the financial industry with skill and precision, Wale approaches soccer with the same dedication, teamwork, and strategic mindset.

Georgi Yolov is an expert in the finance industry with over 15 years of experience, primarily with TD.  He holds a designation in Financial Planning I, reflecting his commitment to excellence in his field.

Throughout his career, Georgi has held various titles including Mobile Mortgage Specialist and Financial Advisor, where he demonstrated his expertise in lending, investing, and retirement planning.  He specializes in complex real estate secured lending, including hold co structures, multiple rentals, and lending solutions for newcomers to Canada.

Georgi’s unique expertise lies in rental properties, an area where he has been an expert for over a decade.  His deep understanding of the intricacies of real estate investment allows him to provide tailored advice to his clients, ensuring their financial goals are met effectively.

Aside from his professional pursuits, Georgi is fluent in Bulgarian and enjoys playing and watching basketball in his spare time.  Recently married with a baby, Georgi values the importance of work-life balance and strives to excel in both his personal and professional endeavors.

Deepika Grover is an accomplished mortgage specialist with over 12 years of experience in the finance industry. Since 2012, she has worked in the industry with leading financial institutions including TD, RBC, and BMO, specializing in investment properties and mortgage solutions. As a small business owner, and owner of numerous investment properties, Deepika provides a deeper level of understanding and brings a unique perspective to her role.

A graduate of McMaster University with an Honours Bachelor of Commerce, Deepika is fluent in English, Hindi, Punjabi, and Urdu. Outside of her professional life, she is passionate about personal fitness and adventure, working towards completing a marathon and having enjoyed paragliding, bungee jumping, and ziplining. She also loves traveling, pilates, and hot yoga.