The need for financial literacy has never been more pressing. Study after study indicates that money worries rank as a significant source of stress for all Canadians. Masters Money Management specializes in increasing your level of personal financial literacy so as to help you take control of your money before your money takes control of you!
Masters Money Management offers large and small presentation choices to both secondary and elementary schools, parent groups, post-secondary institutes and businesses (BYO lunch & learn format).
Remote 'virtual' presentations are also offered.
Individual portfolio reviews and family financial literacy presentations are available too.
Follow on twitter @MastersMoney101
F.Masters@mastersmoneymanagement.ca via email
or phone at (519) 998-1437
Fred Masters is the President & Founder of Masters Money Management. He has delivered dozens and dozens of personal financial literacy presentations since founding the business in 2018. He has given presentations to a wide variety of audiences including university students, both elementary and secondary school students, parent groups and during business 'lunch & learn' sessions.
Mr. Masters has three decades of experience as a professional educator in Ontario delivering financial accounting courses. He is a sought-after media commentator on financial literacy in the schools, having been interviewed by the Globe & Mail, CBC Radio One KW, 570News and NewsTalk1010 on the topic. He is a licensed mortgage agent and is part of the Mortgage InGenuity Inc. team based out of Kitchener.
His passion for personal finance led to the creation of an innovative club called Phoenix Finance at Resurrection CSS in Kitchener. He spent half his career in positions of added responsibility with the Waterloo Catholic District School Board including Experiential Learning Consultant and Program Head of Business & Cooperative Education. Mr. Masters wrote the teacher resource package for the new Budgeting & Financial Management strand for the revised Careers course for the WCDSB. He sits on the Board of Directors for Parents for Community Living K-W Inc. and is a member of PCL's Finance & Audit Committee as well.
Let's Talk Money - A Three-Part Financial Wellness Series
Join Laurier's Faculty of Arts and Faculty of Education for a virtual three-part financial wellness series, Let's Talk Money!, presented by Fred Masters of Masters Money Management and sponsored by Manulife.
In this series we will cover topics like credit scores, social entrepreneurship, debt, real estate, investing, and your financial life after graduation.
It is recommended to attend all three parts of the series, but participants are welcome to attend all or some of the sessions.
This event is open to current students, recent alumni and friends of Laurier.
For more information about this program, please contact Taylor Sim, External Program Coordinator at the Faculty of Education, at firstname.lastname@example.org.
This series is presented by Fred Masters, President & Founder, Masters Money Management. Mr. Masters is a financial literacy expert with three decades of experience teaching senior finance and is a licensed mortgage agent. He is a sought-after media commentator on financial literacy in schools having appeared in articles in the Globe & Mail and The Record, along with radio appearances on 570News, CBC Radio One KW and NewsTalk1010. He was Head of Business & Co-op at Resurrection CSS in Kitchener prior to retirement.
Follow @MastersMoney101 and visit www.mastersmoneymanagement.ca for further details.
"The challenges of introducing financial literacy in Ontario schools" by Kira Vermond
August 3, 2020 The Globe & Mail, 'Young Money' story with interview quotes from Fred Masters
"Teaching financial literacy shouldn't be lost in all the talk about math destreaming"
The desire to learn more about personal finance is insatiable
June 22, 2021 by Fred Masters, Special to the Waterloo Region Record
Guest - The Mike Farwell Show, 570News, Kitchener
June 17, 2021 - commenting on the new Ontario Grade 9 Math curriculum which contains new financial literacy content
November 5, 2020 - commenting on the impact that the pandemic has had on personal finances
June 30, 2020 - commenting on the mandatory financial literacy components in Ontario's new grades 1-8 math curriculum
December 4, 2019 - commenting on the lack of financial literacy in Ontario's secondary school curriculum
Guest - The Morning Edition KW with Craig Norris, CBC Radio One KW 89.1 FM, Kitchener-Waterloo
August 10 , 2020 - commenting on students in KW to learn financial literacy this fall
Guest - Jim Richards Showgram, NewsTalk1010, Toronto
June 23, 2020 - commenting on the mandatory financial literacy components in Ontario's new grades 1-8 math curriculum
"The financial literacy school bus has been hijacked in Ontario"
The province’s approach to financial education is as disappointing as an empty piggy bank
OPINION Nov 28, 2019 by Fred Masters Waterloo Region Record
KW Business Show: A Talk with Fred Masters, Professional Business Educator https://www.linkedin.com/posts/kw-business-show_kwawesome-kitchenerwaterloo-financialliteracy-activity-6640629073485930496-DQfx/
Rogers 'daytime appearance:
Book a Masters Money Management presentation/virtual presentation for your school, post-secondary institute or business. Simply reach out using the form below for availability and pricing information.
"I look forward to every conversation with Fred because I always come away with another nugget to add to my own financial planning. His passion for keeping our spending in check and his matter-of-fact approach that’s easy to understand make Fred the perfect guest to deliver timeless and relevant information to my audience. Smart, sound, and savvy advice. I wish I’d met Fred 40 years ago!"
Mike Farwell, TV & Radio Talk Show Host
"Dejero was looking for someone to help the overall financial literacy of employees. Fred delivered on exactly what we were looking for through 'Your Money 201', bringing zeal and enthusiasm to a not so excitable topic. Fred left our team wanting more - looking forward to having him in for 'Your Money 301' in the near future!"
Jenna Weishar, People and Culture, Dejero
"Fred Masters is a dynamic and informative presenter. He has decades of experience in the education and business sectors offering financial expertise and advice from various perspectives. Fred’s presentations share a unique blend of financial literacy viewpoints for participants of all ages and stages."
Dr. Maria Cantalini-Williams, Dean, Faculty of Education, Wilfrid Laurier University
"Mr. Masters draws on his decades of experience as a teacher of high school finance to deliver critical lessons about money that university students desperately need to hear today. An effective communicator, he is engaging and thoughtful in his presentations. He teaches how to manage finances at a young age so that you have the resources to achieve your goals rather than struggle under a mountain of debt. This is a lesson that benefits everyone."
Dr. Gavin Brockett, Acting Dean, Faculty of Arts, Wilfrid Laurier University
"I had the privilege of co-presenting with Fred on the "Let's Talk Money! The Spring Series". Fred was very thorough and with his extensive background and knowledge was able to deliver a presentation that was not only easy to understand but very easy to apply! Manulife Bank was honoured to be part of this event and will definitely be back. Thank you Fred and the entire Laurier Team!"
Joanne Martire, Regional Director, National Accounts, Central and Atlantic Canada, Manulife Bank
"For people of all ages and financial needs, Fred has a profound ability to engage the participants through a combination of humour, knowledge and passion for helping! You will find the presentation to be practical and extremely helpful in the quest to build wealth and financial wellness! Moreover, Fred’s approach is like a bag of chips because you can’t stop at just one because he creates a yearning for more information that he is happy to provide. Fred develops an extremely important life skill by providing information that can significantly improve your financial wellness, which is the #1 stressor during the Covid pandemic! Fred does an amazing job of helping to create financial wellness by providing the tools and knowledge to generate and grow. Thanks very much Fred!"
Steve Caron, BA, CHRP, Senior HR Consultant, HR Primed
"Fred Masters presented to the Guelph Share Club talking about a unique approach to exploring sector funds. He started off with some core aspects of financial literacy and worked up to this more complex topic. The presentation was informative and stimulating and every share club member came away with several take home messages to improve their financial well being. I had attended one of Fred’s sessions previously on “What to Teach Your Kids About Money” and this could have been titled “ What to teach Adults about Money”. I am looking forward to his upcoming book.
Michael Hincks, Ph.D. , Administrator, Guelph Share Club
“Last night I had an awesome opportunity to co-present a Financial Literacy course to over 50 Wilfrid Laurier B.Ed students and alumni. Led by the brilliant Fred Masters, a 30 year veteran educator and financial literacy guru, I was able to share a some insight into the value of investing in your Tax Free Savings Account while Fred covered a number of topics from managing debt, to having conversations with your partner about money and long term savings. Thank you Fred for putting together an action packed agenda and thank you Manulife for co-sponsoring this event and offering great volunteer opportunities.”
David Correia, Product Owner, GRS Product, Strategy & Transformation, Manulife
"Animated, compelling, sobering and dynamic! I didn't want it to end! Fred Masters' Money 101 session was excellent! Fred clearly knows his subject matter and he knows how to deliver financial guidance in a relevant and effective way to a diverse audience. I highly recommend his expert advice to the young and those not so young."
Dean Sherk, Development Officer, Wilfrid Laurier University
“I had the phenomenal opportunity to co-present a Financial Literacy seminar with Fred Masters of Masters Money Management to over 100+ Wilfrid Laurier University students and alumni. Facilitated by Fred who has extensive knowledge in financial literacy, I was able to share insights and the benefits associated with investing in a Tax Free Savings Account while Fred presented a host of other topics ranging from the right/wrong kind of debt to real estate investing to the importance of saving!! This is a black hole that has yet to be addressed in the students’ category and, as thus, I am grateful to Fred and Laurier for putting together such an insightful event and thank you to Manulife for providing this great volunteering opportunity”
Lois Anaide, Real Estate Portfolio Analyst, Manulife Investment Management
"It was a pleasure to co-present with Fred to almost 100 Wilfrid Laurier students and alumni at one of the Let’s Talk Money, Financial Wellness Series presentations. I could feel Fred’s passion for Financial Literacy through his presentation, and judging by the extremely positive reactions from the audience, I can only imagine the powerful impact that Fred had on them. Fred had truly inspired myself as well to contribute more to this initiative of improving the financial literacy level of the new generation. Thank you very much for doing what you do and for having me as part of this journey."
Cherry Xiang, CFP®, Business Development Specialist, Individual Insurance Sales, Manulife
“PCL believes in staff wellness in every capacity and the one missing piece of our wellness program has been financial wellness. Fred filled this gap for our employees with an excellent presentation on personal financial literacy. Our employees LOVED this presentation, it was current, easy to follow and stimulated all of us to action on our own financial plans and journey. This workshop should be mandatory for everyone! Thanks Fred, for enlightening us all!”
Katherine Loveys, Executive Director, Parents for Community Living KW Inc
"I can think of no better investment than the 90 minutes of my time attending Fred Masters' 'Money 101 - What you need to teach your kids about money'. Fred’s no nonsense and humorous presentation provides practical tips on how to save for your children’s education, guiding them on selecting the post secondary education that makes both academic and financial sense, ensuring they save their own money and guiding them in avoiding financial pitfalls that will set your children on the path to financial freedom and perhaps become millionaires some day."
Bill Conway, Chair of the Board of Trustees, Waterloo Catholic District School Board
"Just wanted to say once again, how thankful we are that you were able to join us in Innovation Week for your Money 101 workshop. Just like you mentioned, the stress of finance is such a big part of our lives, and students these days are experiencing stress and anxiety more than ever. Your presentation was an excellent balance of stats (as a Math guy you know I love that), harsh realities, but solutions to help us with these realities. Teenagers these days, I feel, have a serious case of "Keeping Up with the Joneses" with having the latest phone and devices, and I know that your workshop will allow them to be more grateful of what they have, and understand that if it's worth having, it takes time. Though I'm a younger teacher, the thought of "I wish I started this earlier" kept popping up, and I know some of the participants are now driven to start being financially responsible today, rather than later."
Dan Scholtz, Innovation Team Member & Assistant Head of Math, St. Mary's High School, Kitchener
"Without a doubt, we'll be booking you back for the future, Fred. Your Money Management session for new teachers provided practical advice that teachers could implement right away. Beyond the invaluable content, your experience as an educator shone through - it was delivered in what felt like a manageable, understandable, and engaging style. Based on the questions from participants, you clearly had their attention and curiosity! We'll see you next time!"
Matt Figueiredo, NTIP Consultant, WCDSB (Virtual Presentation Facilitator)
"Your presentation was outstanding! It was a privilege for myself and our players to listen to the content - there was so much useful information that is applicable to anyone!"
Justin Stevens, Associate Head Coach, University of Guelph Gryphons Men's Hockey Team
Phoenix Finance club members took it upon themselves to record the sessions and create a YouTube channel to archive the content. Follow the link below to access over a dozen recent sessions!
Your Money 101 (for initial larger sessions)
Your Money 201 (for parent nights or 'lunch & learns')
(Note 1 - FP Canada, "Financial Stress Index" Survey, July 2020)
(Note 2 - Financial Planning Standards Council "Financial Stress" Survey, May 2018)
(Note 3 - Canadian Press as reported on the HuffPost Canada website, April 16, 2018)
(Note 4 - Cdn. Payroll Association 2018 Survey of Employed Canadians, Sept. 2018)
(Note 5 - Hoyes, Michalos & Associates Bankruptcy Study as reported in The Waterloo Region Record, pg. A1, Sept.7, 2018)
(Note 6 - BDO Canada Ltd. website, 2018 BDO Canada Affordability Index Report)
(Note 7 - MNP Ltd. website, MNP Consumer Debt Index, September 2020)
I want to book a session for my school or business. Where can I get pricing information?
Simply fill out and submit the 'contact us' form below and pricing information will be provided. Travel expenses for presentations outside of Waterloo Region will be added to the session costs.
Mr. Masters acting as Master of Ceremonies at a Resurrection CSS Graduation Ceremony.