Sian Owen (Welsh for Shawn) MBA awarded in Finance and Marketing (U of T, 1985) Worked in financial services for over 22 years, including: American Express, Royal Trust (now part of Royal Bank), Central Guaranty Trust (now part of TD Canada Trust), Visa Canada, consulting for: Scotiabank, ABSA, Citibank Cost Rica, ANZ and Bank Boston, Home Equity Income Trust (the reverse mortgage people) and Strategic Capital: purchasing annuities and life settlements. Predominantly credit based experience (cards, mortgages, lines of credit) also involving pre-authorized transactions, use of credit bureau information, RSP’s and RESP’s. Essential to all product applications has been how each product fits in each client's overall Financial Blueprint. Launched SO! Inc in 2005 from observations that:   consumers were frustrated by trying to be financially wise yet constantly unable to find workable solutions to everyday problems and recognizing an opportunity to leverage my hands-on experience.     You can contact Sian directly at sowen@sofinancialrenovation.com