Additional Client Testimonials

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"At HRSoft, our team is spread across the U.S. and Canada so Mr. Masters was a perfect fit to lead a corporate financial wellness session and talk to personal finance in both countries.  Our team was able to take away valuable and actionable insights to apply to their personal finance journeys with their families.  Whether you are just getting started in your career or planning for retirement, Mr. Masters has a tip for you!"

Elli Nassivera, SHRM-CP, People Operations Specialist,  HRSoft

"Fred Masters hits a home run in his seminar on Mastering Money.  He is a strong speaker who ensures everyone walks out of his seminar understanding the vital importance of diversifying your savings, knowing how to improve your credit score, and realizing you will not be able to survive retirement on CPP payments.  We were fortunate that our company, KEI, Kuntz Electroplating, offered his seminar to all the employees and their families and provided everyone with his book Lessons on Mastering Money.  Thanks Fred for helping all the employees at KEI understand the importance of investing."

Sherry MacIntyre, CHRP, HR Manager, KEI Kuntz Electroplating Inc.

"Fred Masters presented for parents and staff of our Board on “What to Teach Your Kids About Money”.  Fred made the content easy to understand and follow.  After each session, nearly half the audience went up to speak with him privately (he is very approachable).  Audience response was very positive and engaged."   

"Fred is just as good online as in person!  He recently delivered an online presentation for us and even though it was online, he held participant’s attention for the entire time.  Fred makes the difficult financial stuff seem simple.  Attendees continued asking him questions via chat and his email following the presentation." 

Diana Bumstead, Executive Administrative Assistant, WCDSB

"We were thrilled to have Fred return for a second year to help educate and inform our employees at Dejero. Fred did an excellent job providing guidance on navigating tax season and the importance of making the most of one’s RRSP and TFSA contributions. We look forward to having Fred return in the future and can’t recommend him enough."

Mehak Chadha, People and Culture, Dejero 

"It's clear to see the passion that Mr. Masters has for personal finance and helping the younger generation, and individuals of all ages from both Canada and across the globe help take control of their finances during his educational sessions. His lessons are delivered in a straightforward way that makes them simple to understand.  He offers practical advice on key personal finance topics including investing, saving, and how to gain financial independence.  His teachings are backed up with years of personal experience and relevant data/statistics. Everyone looking to better understand and take action on improving their personal finances can benefit from attending one of Mr. Masters' sessions."

Eric Heibein  Finance Manager, Smile Inc.

"Thank you for the presentation you did for our employees to help them develop healthy financial habits for both short and long-term. As you mentioned in your presentation, for many Canadians, money worries are the greatest source of stress, more than work, personal health and relationships.  Your presentation was engaging & informative and our staff left the presentation feeling informed, inspired and empowered with knowledge to improve their financial well-being.  Financial wellness, physical wellness and mental wellness go hand-in-hand in the workplace.  Thank you for helping us support our staff to know that we care about them and their financial wellness."

Brenda Van Houtven, Human Resources Director – Parents for Community Living

"I have been privileged to witness the transformation of our students in the Phoenix Finance Club as well as hear testimonial after testimonial from graduates with regard to the impact Fred Masters has had on them and their learning.  I gave my full recommendation to Fred Masters' Financial Literacy Program in helping all of us, regardless of age or experience, with becoming more financially sound!"

Chris Woodcroft, Principal, Resurrection C.S.S., WCDSB

"Fred provided a Financial Literacy presentation to our staff, students and families which was jam-packed with so much important information – for those who are entering the workforce, those in the workforce and those planning for retirement. I encourage everyone to be well informed on the topic of financial literacy, as I wish I had been more well informed when I was younger and starting my career."

Nicole Kurtz, Director of Education, Kenora Catholic District School Board 

"Mr. Masters presented a virtual financial literacy session for our grade 7 -12 students at Kenora Catholic District School Board.  One of the teachers passed along this comment: “This was AWESOME! The students in my class were so receptive and several of them were even writing notes!”  Thanks again for joining us!"

Mark Richards, Vice-Principal, St. Thomas Aquinas High School, KCDSB

"Thank you, Fred Masters, for running one of the most engaging and empowering financial literacy workshops for teens!  It was one of the rare times I have seen them eagerly asking questions about money management and investing for the future.  I look forward to reading your book!"
Elaine Knox, Client Experience Specialist - Youth Services, Pickering Public Library

"Having recently completed my doctoral degree, this webinar was ideal for me. It provided expert and unbiased financial advice with key takeaways that are straightforward to implement. The information was presented in an engaging and accessible style and made me excited to take a fresh look at my finances. I highly recommend this financial webinar for recent graduates."

Amy C. Wallace, Ph.D., Contract Instructor of Art History, College of the Humanities, Carleton University (Western University Alumni presentation attendee)

"I caught your webinar on Wednesday night.  I thought it was the best one I've seen.  Great graphics and excellent advice.  Plus your delivery was non-stop."

Rob Miller, Former Executive Producer, CBC-TV Windsor (Western University Alumni presentation attendee)

"Last year, you gave a presentation at Waterloo-Oxford (I was teaching there at the time) to all the business students and provided a copy of your book. The feedback was quite positive and the information was invaluable for the students." 

Kyle Selmes, Business Studies Teacher, Elmira District Secondary School, Waterloo Region District School Board

"Your presentation was excellent! We are still talking about what we learned.  I can't thank you enough as you have taught them life skills that will impact their decisions for years to come.  Thanks for your time and your passion."

Laura Shoemaker, Superintendent, WCDSB

"Thank you so so much for your ongoing commitment to the WCDSB and more specifically the Lifelong Learning Series. I believe that your sessions have been the best attended yet.  I hope you will consider doing this in future years as well; you are truly offering such great education around financial literacy! I appreciate your hard work, Fred!"

Judy Merkel, Superintendent, WCDSB

“Fred’s personal financial insight for our staff was invaluable! His knowledge and expertise are unmatched assets for everyone in our system whether they be new in their careers, raising teenage children or trying to set themselves up for retirement.  Attendance for Mr. Masters' financial wellness presentation was very, very high; clearly, financial literacy is important for all of us.  We cannot wait to have him back next year!”  

Brigitte Webster, Healthy Active Living Consultant, WCDSB

"This presentation is a must see for adults, kids and businesses in our communities. Your sessions are very powerful."

Richard Ventura, President & Principal Broker, Mortgage InGenuity Inc.

"I thoroughly enjoyed the content and the delivery . Masterful Mr. Masters."

Stephen Schmidt, LL.B., Virtual 'Money 101' Attendee 

"I am so happy I decided to attend these sessions. Fred Masters is extremely knowledgeable and provides clear guidance to young individuals like myself. I never thought I'd say this, but I feel excited to invest and grow my money because I now have a good foundation of knowledge thanks to Fred Masters."

Amee Bhavsar, Laurier 'Let's Talk Money' Series Attendee   

"I thought it was very well done; organized, efficient, engaging, and informational. I learned a lot about saving and preparing for my future and retirement. I really appreciated all of it!  

Megan Edwards, Laurier 'Let's Talk Money' Series Attendee    

"I can't express enough how grateful I am to you for taking the time to spread your vast wealth of knowledge on finances and money management and so much more to me, other Wilfrid Laurier alumni and current students.  You are an excellent presenter and these presentations/seminars are great way to tip your toes in the water, so to speak. After your seminars, I now feel I have a better understanding of TFSA's and their importance (which my accountant always goes on about - but couldn't ever provide me with a very good description as to what they were and why they were so important - so thank you so much for explaining them to me), stocks, ETF's, and providing me with materials and resources to start learning for myself. 

Victoria Ridenour, Laurier 'Let's Talk Money' Series - Alumni Attendee

"Dynamic! Realistic! Practical!  I wish I had seen Fred's presentation when I was in high school!"

"Thank you so much for opening my eyes - such a valuable presentation!" 

Bridget Kennedy & Shannon Penny - OECTA Workshop Attendees

"Thank you so much Fred for the financial sessions offered for WLU Alumni! My husband and I learned so many practical tips from saving to mortgages to teacher pensions. Your passion for financial literacy and your ability to provide real life examples that can be applied in our own lives made your sessions very enjoyable and informative. We are looking forward to learning more in part III."

Christina Halladay, Grade 2 Teacher, St. Gabriel CES, WLU Virtual Presentation Attendee

"I thoroughly enjoyed the session — I found Mr. Masters to be a very engaging presenter and extremely knowledgeable in all things financing. I look forward to future opportunities to learn more about financial literacy as it applies to both teaching and life in general. Thank you Mr. Masters!"

Stephanie Amaral, Laurier Faculty of Education Student, WLU Virtual Presentation Attendee

"This session was very enjoyable and useful, especially as I enter my professional career in teaching and aim to start receiving a steady income. Although I know that there is more to learn in this area, it was a great session to become familiar with some other concepts and vocabulary that I was not familiar with. Fred was very engaging and knowledgeable and I look forward to additional sessions with him."      

Avery Urowitz, Laurier Faculty of Education Student, WLU Virtual Presentation Attendee 

"I really enjoyed this session! I learned more about financial wellness in 2 hours than I have my entire life.  Fred's expertise is vast and I am definitely more confident in taking control of my finances and making financial decisions now.  I think it would be beneficial to expand this series. I would love to explore some of the topics in greater detail."  

Stephanie Tse, Laurier Faculty of Arts, WLU Virtual Presentation Attendee

"It was very informative! Fred Masters provided a great amount of financial information that's useful during all stages of one's adult life. I can't wait to learn more and put these financial tips into action!"

Taylur Jeffers,  Laurier Faculty of Arts, WLU Virtual Presentation Attendee

"Fred’s presentation at Victus Academy was truly amazing. Our grade 9-12 students were attentive and motivated to learn from the presentation. The information Fred shared regarding personal finances, planning for the future, personal assets etc. was an important message that all students should hear. Students were particularly interested in how to set up a Tax-Free Savings Account, use of credit cards and buying their first car! Thank you again to Fred for the professional and informative presentation. All high schools should take advantage of your willingness to provide this presentation to their students."

Chuck Williams, Principal, Victus Academy 

"The Money 101 presentation hit all the financial concerns that are upon or in the very near future for teens. The content left them wanting more, thinking critically about their financial choices, and started discussions on financial literacy!"

Ashley Kreuger, SAC Advisor, St. Benedict Catholic Secondary School

"The presentation was great. The room was so silent throughout the presentation because Fred was able to captivate students' attention so well. I know that both adults and students were able to take back so much information in regards to credit cards, financing, mortgages and learning how to buy a car. Thank you Fred for showing both students and adults the importance of money."

Katlyn Melcher, Student Organizer, St. Benedict Catholic Secondary School

"Fred’s presentation style is so engaging and high energy. His passion and knowledge of finance shine through as he provides practical examples about credit card debt, buying a new car (or not!), and buying experiences, not stuff. Fred is committed to educating students about Financial Literacy to better equip them with the tools and skills they need to make sound financial decisions. Our grade 7 & 8 students loved Fred’s Money 101 presentation so much they told us we needed to have their parents hear it, too! Our Catholic School Council had a sneak preview of Money 201 and couldn’t wait to hear more. Our parent engagement evening was the best attended presentation we have had at St. Joseph in 5 years! Thanks Fred, for sharing your passion, and expertise, with our entire St. Joseph community."

Tonya Reesor, Principal, St. Joseph Catholic Elementary School, WCDSB

"Financial planning can be very stressful but working with Fred made that process much less so.  First, he listened to what our needs were and asked good questions to help us focus on what we needed to do to meet our goals. Fred helped us take a realistic look at our finances using plain language, concrete examples and clear explanations of concepts.  He made himself available on our schedule, responded promptly to our inquiries and made referrals to trusted professionals in areas in which he did not specialize. We came away feeling respected, competent and confident  that we will be successful with this financial plan." 

Julie Hill, Financial Plan Review Feedback

"I would first like to say thank you for holding the “Money 101” session at St. Francis Parish on Tuesday night. It was a very informative session that really helped me get a grip on some key money management tips that I know I will benefit from in the long run.  Your session really simplified important topics that that I will be able to pass down to my daughters and help them also prepare for a financially stable future. I walked out of the session feeling like “I can do this!” and for that I am very thankful.  Your advice and knowledge has helped our growing family set goals and plan for a bright and attainable future. I know my future self is going to thank me.  "

Cindy Hutter, Money 101 Attendee & Family Portfolio Review Client

"Fred's personable, hands on approach, engaging presentation style and passion for financial literacy captivated his audience and filled his sessions to standing room only.  I would recommend Masters Money Management to anyone who is interested in learning more about  financial literacy."

Marisa Munroe, Vice-Principal, Resurrection C.S.S., WCDSB

"Phoenix Finance was a crucial part of developing and enhancing my financial literacy."

Joseph Hunter, BBA Program, St. Francis Xavier University, Phoenix Finance Attendee

"Best class I've seen at university so far and I'm in 3rd year!"

Todd Winder, B. Commerce, University of Guelph & Men's Hockey Team Member

"Fred's passion for finance is evident through his uniquely engaging presentations.  He is a terrific speaker and a powerful voice for financial literacy."

Wade Young, Head of Mathematics, Resurrection C.S.S., WCDSB

"Fred's effectively paced presentation on personal financial literacy and his engaging, approachable manner held the rapt attention of my eager Grade 12 students, while the highly relevant and current information he shared shone a welcome light into the dim corners of this often neglected but crucial aspect of their young lives."

Brent Hergott, Law and Social Science Teacher, Resurrection C.S.S., WCDSB

"The financial literacy presentation was a real eye opener for my grade 7 students. They learned how they can begin to save money today to help them in the future. The real life examples of housing and car prices today allowed my students to realize how important it is to save money. Thanks for engaging my students in this very important life discussion."

Maggie Pasqualino

Grade 7 Teacher, St. Dominic Savio Catholic Elementary School, WCDSB

"Thank you for the great presentation on Financial Literacy at St. Dominic Savio. Your presentation was an excellent way to teach students some key strategies for responsible spending and saving. The students learned the importance of having an attitude of gratitude. They also learned how to save to buy what they need and not what they want."

Edina Bauer

Grade 7 Teacher, St. Dominic Savio Catholic Elementary School, WCDSB

"Fred was an engaging and passionate speaker to our Grade 7/8 students. He provided them with countless real-world examples of the importance of money management and offered great tips to take home to their families. Students had lots of great questions about their financial future, and are looking forward to Fred's return to our classroom. I personally learned a few things and wished that I had the opportunity to participate in a lesson like this when I was their (student's) age. Thank you Fred and Masters Money Management!"

Marko Jurisic, Grade 8 Teacher, St. Joseph Catholic Elementary School, WCDSB

"I thought the presentation was engaging while informative.  It really drove home the importance of financial literacy, and taking a realistic look at your personal finances.  Overall, the symposium was quite impressive, and delivered a comprehensive examination of individual fiscal responsibility." Stephen Martin, Grade 12 History Teacher, Resurrection C.S.S., WCDSB

"Fred’s knowledge, passion, and enthusiasm kept 60 of our Grade 8 students locked-in for 45 straight minutes. Each topic was packed with information that surprised many students and alarmed many staff members who were present too! He provided great “big picture” thinking for students at this age - would have made David Chilton, the author of 'The Wealthy Barber' & one of our alumni, very proud!!!"

Joe Cascagnette, @LTclassrm Congregated Teacher

Sunnyside Public School, Waterloo Region District School Board

"As a former student of Mr. Masters', words cannot express my gratitude for the opportunity my students were given to experience this outstanding presentation.  Students were engaged by the important content and captivated by the energetic, passionate delivery.  You could hear a pin drop in the classroom as Mr. Masters encouraged them to think critically about financial literacy and decision making.  Students left the presentation saying it was "the best class" of their high school career so far, and that they felt empowered and motivated to take control of their personal financial situations.  Thank you for the exceptional presentation and for making such a profound impact on the students of Waterloo-Oxford!"

Stephanie Steffler, Business Studies Teacher, Waterloo-Oxford D.S.S., WRDSB

"Fred took the time to go over my wife's and my financial portfolio.  Fred's many years of investing experience and expertise in teaching was immediately apparent.  If I had taken a course taught by Fred my investing IQ would be much higher today.  Thanks Fred for helping to get me on the right track, sharing your knowledge and arming me with questions everyone should be asking their financial advisor."

Joe Dietrich, Portfolio Review Feedback

"Thank you for offering your expertise yesterday with your presentation. It was very informative and gave me much to consider as I make financial choices in the future. In particular, I appreciated your insights on investing as that has always been a topic that caused much confusion for me on what is the best thing to do.  I liked the overall outlook of the presentation and enjoyed the use of real-time or almost real-time data to illustrate the points. It makes it easier to see how your advice applies having it juxtaposed to what is going on.  I know information is power so thank-you for giving some to all of us yesterday!

Aaron Stemmler, NTIP Teacher, WCDSB (Virtual Presentation Attendee)