About
Hi, I'm Andrey.
Wealth Planner at Optimize Asset Management. Fifteen years helping Canadians pay off mortgages faster and build retirement savings — at the same time.
Most financial advice treats your mortgage and your investments as separate problems: pay one down, grow the other. But when you look at your whole financial picture — cash flow, tax, planning, portfolio — those pieces can work together. That's what this site is about.
The work
What you'll find here
Posts on goals-based planning and the strategies that make your money do more than one job at a time. How mortgages, tax planning, investment portfolios, and estate considerations fit into a single coordinated plan. What the math actually looks like when the pieces work together — and what changes when they don't.
The reader
Who it's for
Canadian professionals and families who want their money working harder without needing to earn more of it. No finance background required. I write the way I'd explain it to a client across the kitchen table — in English, and if it helps, in Spanish or Russian too.
The mission
What I'm here for
Long-term relationships built on exceptional planning. That means understanding what you actually want — not just what you're worth — and giving you the same integrity of advice I'd want for my own family. Applied knowledge, patient experience, and a plan that fits your life. That's what leads to financial freedom.
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