About Andray
I am a Life-Based Financial Advisor serving the Greater Toronto Area.
- I specialize in wealth management, cash flow planning, investment planning, and retirement planning.
- I have worked for banks and large investment firms, but prefer working with a boutique planning firm called International Capital Management (Founder of the Business Owner Success System)
- I majored in International Relations at University of Windsor, but made an immediate leap to the financial world after my studies.
- I have worked in the insurance and investment fields since 2004.
- I have both a mutual funds license, and life/accident/sickness insurance license, and am currently a candidate for the CFP designation.
- My mission is to ensure you build and protect what truly matters.
Why This Website?
Because 3 out of 5 of us live paycheque to paycheque. Additionally, 7 in 10 of us do not have a financial plan. Wealth hardly matters – I have coached doctors, dentists, and successful business owners who were stretched thin by money management problems. This isn’t an accident, and it’s not because people are irresponsible by nature. It’s because we’re not taught how to properly manage money at a young age.
This is the wrong time to avoid planning. Financial statistics in Canada generally trend worse each time they’re compiled. Despite recent efforts from the Canadian government and the financial industry (e.g. Investor Education Fund, Financial Planning Week), people are having a more difficult time managing money.
I don’t just advise; I educate my clients to make informed financial decisions. I work with clients ranging from new university graduates just beginning their careers, to retirees looking for the most effective ways to manage their income. I’ve helped people dig themselves out of what looked like impossible debt, to becoming debt-free and mortgage free. I understand how difficult it can be to keep up with financial matters through life’s transitions, and when life’s unpleasant surprises pay a visit.
Book an appointment with me, and I will help you build and protect what truly matters.
I enourage you to support:
Orpheus Choir of Toronto: Expect Something Different
The Orpheus Choir of Toronto has earned a reputation as “one of Toronto’s most distinguished and important choirs” (Larry Beckwith, WholeNote Magazine).Under the artistic leadership of Robert Cooper, the sixty-voice ensemble has been revitalized and offers a sumptuous entertainment experience, in keeping with its mandate to celebrate life through the discovery and performance of fine choral music.
Wellspring: A Network of Cancer Support Centres
Founded in a welcoming coach house in 1992, Wellspring is an innovative network of centres providing high-quality cancer support, education and coping skills to a growing number of individuals, family members and professional caregivers in Canada.
