I met Pam approximately 5 years ago in 2019, at that point in my life I was feeling rather hopeless. Hopeless regarding my future, my retirement, my business, as well as the possibility of ever closing my business and ultimately retiring. How was I going to manage such feats as a single Mom/ sole proprietor with no benefits or a pension? Then came Pam and from our first meeting on my life was instantly transformed. Pam has a unique ability to turn numbers into cash and she has many clients who have her to thank for changing their lives. She is a force to be reckoned with, and constantly ceases to amaze me with her ability to think outside the box. This ability allows her to make incredible deals that leave others shaking their heads in disbelief. I truly don’t know where I would be without her. She has managed to put together a rock solid plan that has helped me completely change my vision and my reality of retirement. At times when I had lost all hope for a debt-free future and a happy retirement Pam has managed to pull something out of a hat. When we were shot down by traditional lenders Pam was able to get to work to make $$ happen. Her creative strategies and knowledge of not only real estate but financial planning, combined with her extensive knowledge in mortgages and financing gave me those funds that have allowed me to make my dreams come true! I have purchased investment properties here in Ontario as well as a vacation home in Florida if it weren’t for Pam and her creative mind, I would still probably be working until my 70s. However because of Pam’s creative mind, her past experience working in one of Canadas major banks for 15 years allows her to tap into many resources that are not available to a traditional bank. Because of her support and unique ability I’ve been able to close my company and retire with sufficient funds to carry me through into my 80’s and 90’s and to leave a legacy for my children and grandchildren. My life and outlook has definitely changed for the positive. I owe Pam a debt of gratitude. I am forever indebted to her as she has truly, single handedly shaped my families future! Thank you from the bottom of my heart Pam for literally changing my life!!

I was in debt from revenue Canada and other financial institutions… and managing a mortgage with such high interest rates… Pam came to my rescue! Showing me how I could pay off revenue Canada, bringing my debt ration to “0” and getting the best interest rate on my mortgage! Through the WTF program I learned how to save over $150,000! There is no way I would be able to thank Pam and the WTF team but to appreciate her individuality… highly recommend the program. Thanks Pam and keep up the great work!

A few sessions in with Pam on money management and taking a closer look at my spending habits - I experienced multiple breakthroughs. I came to the realization and acceptance that my relationship with money was toxic because I never knew the value of money, how to manage it, spend it, and most importantly how to make my money work for me. She has helped me unlearn the things I was taught from people who knew nothing about money and is helping me learn the things I was never educated on. Her knowledge and ability to transform your finances into true wealth is unbelievable. I've never come across a program like WTF and I highly recommend it.

I'm so grateful to have Pam as my financial advisor. Since day one she has taken the time to truly listen and understand my financial needs, financial goals, and how to prepare for the future. I strongly trust her judgement and expertise; I know she has her client's best interest at heart. She is extremely professional and knowledgeable. Pam has helped me understand a lot more about my current financial situation while educating me through the process. I highly recommend her services to all my family and friends!

Pam was extraordinarily helpful when I was at a point in my life where I didn't know what I was doing. I had an asset to my name, however I did not know the best way to utilize it to my advantage. Pam taught me that it would be wise to sell off any property not making money and she was very helpful in doing the renovations and getting the property off my hands. I was living in a rental property and I was renting out my own property at the time I met Pam. After she was through with me, I was able to sell my property for a considerable amount and put a down payment for my own house that I'm living in now. I would recommend Pam to anyone who is on the fence about their finances, she knows what she's doing!