Jaime OlarteJaime Olarte
Three trades, one after another: father, professor, advisor. The order matters.
I'm a single father of a son with special needs. In Ontario, that phrase means years of forms, waitlists, assessments, appeals and programs whose requirements are written nowhere you'd think to look first.
No one explained that system to me. I learned it because I had no choice, and the only way you truly learn: getting it wrong first, then trying again with better information.
Out of that came the conviction at the center of my work. The difference between a family that gets what it's owed and one that doesn't is rarely money. It's whether someone understood, in time, how the system was built.
Teaching is taking what only a few understand and putting it within reach of whoever must decide with it.
Before Canada I was a university professor in Colombia. I taught political science and Latin American studies for years, to students who walked in with no particular reason to care how power is shared.
My job was to give them that reason. Not to make them experts: to leave them able to decide, on their own judgment, about the structures already shaping their lives.
That's still the basis of everything I do. The subject changed, not the method: read a whole system, find where it's really decided, and translate it into language that serves the person who has to act.
Today I'm a licensed financial foresight advisor in Ontario (LLQP). I work with families and, above all, with business owners: people who reached a scale where the complexity no longer fits in one person's head, and where each decision touches the others.
The company's structure, taxes, retirement, the protection of the family that depends on all of it being well built. None of it is solved in pieces, though it's almost always advised in pieces.
I don't represent a single insurer, and that isn't a commercial detail: it means the recommendation can start from what you need, not from what's in the catalog.
Ninety minutes to build your own number: what holds your structure up today, where it breaks and in what order it's fixed. You leave with a document, not an impression.
How you pay yourself, what idle surplus costs you, and how that money comes out without being taxed twice — including life insurance as a vehicle, not a sale.
How long the household holds if an income disappears, and what coverage matches that figure. First the number, then the product.
What year your retirement really begins at your current contributions, and what would have to change to move that date.
Fortüna holds the licence and the compliance framework. The analysis, the judgment and the conversation with you are mine — and they don't depend on a single product catalogue.
