About
A little about me
Hi, I’m Tolu. As an immigrant, I wanted to invest the way I did back home, but those options didn’t translate well to Canada. When I arrived as an international student, I didn’t have thousands to invest.
Then in a finance class, I learnt about ETFs. Later, I found Wealthsimple — an app that lets you start investing with as little as $50 and zero fees. That changed everything.
Now, I coach immigrants who want to build long-term wealth with confidence — no jargon, no overwhelm.
I show them how to start investing in the stock market with Exchange Traded Funds (ETFs), and I can help you too.
Let’s take the first step together toward your financial future.
You need the right tools, and the right guide
It was my early investments – not just savings- that helped me take the first real step toward building a new life in Canada..
As a trained accountant, I always knew that saving money in the bank wouldn’t grow wealth. It just didn’t sit right with me — even before I had all the words or data to explain why.
So back home, I started investing in treasury bills and mutual funds. The returns were pretty decent back then — and when it came time to pursue my MBA and move to Canada as a full-time international student, those investments helped cover part of my school fees and relocation costs.
That was my first taste of what it means to make your money work for you.
But once I started studying finance here in Canada, I quickly realized: what worked in one financial system wouldn’t translate easily into another.
The returns I once counted on just didn’t look the same anymore. And like most international students, I didn’t have thousands of Canadian dollars to start fresh.
That limitation gave me direction. I needed something low-cost, accessible, and beginner-friendly — even if I was only starting with $50.
That’s when I embraced ETFs. Then I found Wealthsimple. And together, they answered a question I didn’t even know how to ask yet: How do I build wealth as an immigrant, with limited resources, in a brand new country?
They say your calling is often hidden in the problems you’ve solved for yourself. Today, I help young professionals — especially immigrants — make smart, simple, confident investment decisions..
Just to let you know I am not just a chartered accountant; I’m also a certified personal finance coach. I have what it takes to guide you through the process.
Here’s what you should do next
If you’re ready to start investing but don’t know where to begin, start by downloading an investment app like Wealthsimple or Questrade.
Then, open a tax-advantaged account that fits your goals — whether that’s a TFSA, RRSP, FHSA, or RESP. Link your bank account to the app, fund your account, and you can buy your first ETF with as little as $50.
If you’re ready to take the first step, email tolu@pfmacademy.com to book a FREE 30-minute strategy call to help you get started