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Meet The Team

Picture of Sandy Gum
Insurance Advisor | Founder 我說普通話

Sandy Gum

With over 8 years of experience in the insurance industry, Sandy is a seasoned professional specializing in commercial insurance, home insurance, life insurance, and corporate HSA. Her expertise ensures clients receive tailored coverage solutions, providing peace of mind in various aspects of insurance planning.

Picture of Gina Tan
Insurance Advisor | Co-founder 我說粵語

Gina Tan

Gina is intrinsically motivated to help you achieve financial success and freedom. Having had financial difficulties herself as a student on student loans, she has lived through and known the difficulties of living pay cheque to pay cheque. Having now achieved financial freedom through dedication and hard work, she is now genuinely devoted, and motivated to help others with their finances. Not having to worry about money truly gives you a new perspective on life.

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To elevate financial well-being by educating individuals and using unfair advantage financial strategies combined with extraordinary investment opportunities.

Podcast: Real Money. Real Talk Show

Insights To Elevate Your Financial Literacy

16. Apr
How to Start an Online Business with No Money

How to Start an Online Business with No Money

These days, starting an online business is trending. A quick Google search and you’ll find hundreds of ideas for online businesses that you could be starting to potentially make a side income or make you wealthy. Some options cost a lot to start while others cost very little. Which one should you choose? Before you …
30. Nov
Do I Need Tenant's Insurance?

Do I Need Tenant's Insurance?

YES. Here’s why: Landlord’s insurance on the building does not cover your personal belongings – in fact, anything you bring into your home. You are also responsible for the harm you accidently cause to any part of the building and to others who live or visit there.   Tenant insurance protects you in two ways: …
3. Jan
Tax Return Checklist

Tax Return Checklist

IT’S THAT TIME OF YEAR AGAIN……TAX TIME! You must file your taxes by April 30, 2018 if you are an employee and receive a salary. You can file your taxes until June 15, 2018 if you are self-employed or a business owner. However, if you owe tax money to the Canada Revenue Agency (CRA), you …
22. Jul
Mortgage Insurance - Understanding your options

Mortgage Insurance - Understanding your options

Do you have mortgage insurance from the lenders or the banks that tie to your home? Do you plan to purchase life, critical illness, or disability insurance? Not all mortgage protection is created equal. Before you buy, ask the following questions: 

What Successful People Say About Insurance

"Through personal experience I discovered that life insurance has other assets in addition to protection of ones present or future family." "When I decided to open my first business, which was a General Motor automobile dealership franchise at the corner of 18th and Cambie, I discovered a Living Benefit of life insurance, that of borrowing collateral." "If it wasn't for the cash values in my life insurance policies, the bank may have decided against granting me the necessary capital to begin my first business endeavour. I am certainly an advocate of life insurance as a vehicle to help a young person take advantage of business opportunities that may present themselves in the future. It happened to me, and if could happen to others. I am grateful for the Living Benefits of life insurance."

Jim Pattison

The Jim Pattison Group

"Biggest problem? Well, I’d say it’s been my biggest problem all my life. MONEY. It takes a lot of money to make these dreams come true. From the very start it was a problem. Getting the money to open Disneyland. About seventeen million it took. And we had everything mortgaged including my personal insurance."

Walter Elias Disney

The Walt Disney Company

Pacific Mutual Life (now Pacific Life) ceremoniously issued its first policy to Leland Stanford, the company’s first president, in 1868. In 1891, Stanford founded Leland Stanford Junior University and shortly after Stanford’s death the University was in major financial crisis, to the point where Jane tried unsuccessfully to sell her treasured jewel collection in 1897. Stanford’s widow, Jane Stanford, cashed Pacific Mutual’s Policy Number 1 for $11,784 proceeds to help fund operations and pay faculty, allowing Stanford University to weather a dangerous six-year period of financial distress.

"But for that money, the doors of Leland Stanford Junior University would have been closed—perhaps forever. Who knows?" - Jane Stanford

Jane Stanford

Stanford University
Christopher started her career as a home economist and educator. She recognized the need for quality kitchen tools designed to make cooking quicker, easier and more efficient so families could spend less time in the kitchen and more time gathered around the table enjoying conversation and the meal. In 1980, Doris borrowed $3,000 loan against a life insurance policy on her husband, Jay; she founded The Pampered Chef® in the basement of her suburban Chicago home. In 2002, the company was acquired by Warren Buffett’s Berkshire Hathaway Corporation for $ 1.5 billion. "I teased Doris that diverting those funds for her new business meant she'd only be able to bury half of me." - Jay Christopher

Doris Christopher

The Pampered Chef

Max and Verda Foster

Foster Farms

Ray Kroc

McDonald Corporation
Senator John McCain secured initial campaign financing for his presidential bid by using his life insurance policy as collateral. - from New York Times

Senator John McCain

US Presidential Candidate