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!!