Meet Our Team

Owners (Partners)

Ed Rempel

Financial Planner Blogger

I’m Ed Rempel, a financial blogger, fee‑for‑service financial planner, and tax accountant with more than 25 years of experience helping Canadians make smarter financial decisions. I think differently. After seeing the complete finances of thousands of Canadians, I’ve learned what actually leads to financial success—often the opposite of conventional wisdom.

As a former industry insider, I expose “financial quackery,” placebo advice, and the sales pitches disguised as planning. I love challenging false facts, calling out bad products, and highlighting what truly works. My goal: to help Canadians live better lives with clear, experience‑based financial insight.

Media & Writing

I’ve spent 12 years writing for Million Dollar Journey and contribute regularly to leading financial publications. My mission is to educate and entertain through “Unconventional Wisdom.”

Personal

Based in the Toronto area, I enjoy reading (nine full bookshelves!), physics, theatre, fine dining, cruises, and cheering for the Argonauts and Leafs—who will be better next year.

“To have unconventional success, you can’t be guided by conventional wisdom.” — David Swensen

Sabiha Mukadam

Senior Financial Planner

Hi, I'm Sabiha! I am a Financial Planner and Senior Manager with over three decades of global experience in banking, investment, and corporate finance. Having held leadership roles at TD Asset Management, RBC, and Barclays Bank of Zambia, I bring a deep, well-rounded understanding of diverse financial markets to my practice.

Equipped with a CFP® designation and an MBA in Finance, I focus on personal financial planning, retirement strategies, and tax-efficient investing. My goal is to offer guidance that is practical, clear, and centered entirely around your goals.

Beyond my client work, I am passionate about giving back. I enjoy teaching at the college level and mentoring young professionals, as well as new immigrants who are building their lives and careers.

For me, financial planning isn't just about numbers—it's about people, their stories, and their dreams. My ultimate purpose is to provide thoughtful, informative advice to help you make informed choices and feel confident about the path ahead.

Matthew Koutsikaloudis

Senior Financial Planner

I began my career with Ed & Ann’s team while completing my Bachelor of Business Administration at Wilfrid Laurier University. Under Ed's mentorship, I gained extensive hands-on experience working with the finances of hundreds of households, which culminated in earning my Certified Financial Planner (CFP) designation in May 2024.

My focus is on creating comprehensive, customized financial plans that emphasize tax efficiency and creative wealth-building. I specialize in advanced techniques like the Smith Manoeuvre, corporate and personal income tax planning, tax-efficient retirement strategies, and GIS optimization.

Through active listening and clear, detailed explanations, I strive to ensure you completely understand how every financial decision impacts your long-term goals.

When I’m not working, I love spending time with my German Shepherd, Willow, collecting insightful quotes, and enjoying great movies as a big film buff.

Ravin Singh

Operations Manager

After studying Business Management at Humber College, I joined Oakland Enterprises Ltd. in 2014. Under the excellent mentorship of Ann Hetram and Ed Rempel, I honed my expertise in dealing with the CRA. Today, I proudly lead our Admin Department and coordinate the entire tax process, a role I officially took over from Ann in 2025.

I am deeply passionate about helping others, which is reflected in my work. For over nine years, I have managed CRA queries on behalf of our clients with a 100% success rate. I cherish the personal connections I build with our clients over the phone and in person. I truly believe a little kindness goes a long way, and I am at my happiest when I can bring joy to someone or make their life easier.

Outside of my professional life, family and friends mean everything to me. I also enjoy heavy gym sessions, watching good movies or series, and spending quality time with the people I care about most.

Russel Islam

I joined the Oakland team as a Financial Planner in February 2024 because I truly value the freedom to provide unbiased advice. I strongly believe that since everyone’s situation is unique, their financial plans should reflect that individuality.

My career began in 2012 after earning a degree in Economics from McMaster University. Over the years, I have built extensive experience in the banking and investment management industry. My background includes roles as a Financial Advisor at CIBC and a virtual Financial Planner at BMO, where I helped Canadians nationwide. Most recently, I worked as a Senior Investment Analyst at Manulife Investment Management, contributing to a team that oversaw over one trillion dollars in global assets.

Influenced early on by my father, an Economist, I have always loved working with numbers. This lifelong passion inspired me to earn my CFA charter in 2021 to deepen my expertise in markets and investing, and I am currently working toward my CFP designation.

When I am not working, I love staying active by playing basketball and soccer, or exploring the outdoors. I also enjoy spending quality time with my wife, family, and friends, as well as traveling to unique destinations—most recently exploring the rich history and beauty of Uzbekistan.

Andrew Carter

Since 2008, I have built a career across the Canadian banking and wealth management industry, serving clients from personal banking to private wealth. Equipped with CFP® and PFP® designations, along with a Philosophy degree from the University of Toronto, I have honed my instinct to ask the right questions to truly understand my clients' needs.

Drawing on over 15 years of experience, I am dedicated to providing white-glove service to clients nationwide. I focus on educating individuals and building clear, practical roadmaps that cover holistic financial and retirement planning, tax strategy, and investment management. Joining the team at Oakland Enterprises was a perfect fit for me, as I am driven to make sophisticated advice accessible to everyday Canadians, turning unconventional wisdom into proven, personalized plans.

Outside the office, I enjoy a variety of passions, including reading, watching movies, playing sports, riding motorcycles, DJing, and traveling. Most of all, I love spending time with my loved ones. Ultimately, I believe that "Great planning starts with asking the hard questions – and answering them with clarity."

Ngan My Huynh

My name is Ngan My Huynh, but most people call me by my middle name, My. I hold a Master of Science in Biochemistry from the University of Toronto and earned my CFA Charter in 2011. I recently joined the Oakland team as a Financial Planner in 2026, where I leverage my extensive background in the investment management industry to help clients achieve their financial goals.

Throughout my career, I have gained considerable experience in client servicing across both private and public investment firms. I have worked extensively with a variety of products and strategies in both private and public markets, including equities, bonds, insurance, and real estate. I truly enjoy taking the time to understand my clients' unique priorities, allowing me to develop tailored solutions that align perfectly with their best interests.

Outside of work, I love spending time with my family and friends. I am also passionate about traveling and try to spend as much time as possible relaxing at our cottage during the summer.

Sujay Sahi

Sujay is a Financial Planning Associate as a recent graduate from Brock University. I bring a thoughtful, client-focused approach to support comprehensive financial planning strategies. I play a key role in helping prepare and run financial planning meetings and assist the planners in delivering tailored solutions. Outside the office, I enjoy playing hockey, staying active, and spending time with family.

Kavitha Yedluri

I’m a Financial Planning Associate, and I’ve worked in financial services and client support for several years. Day‑to‑day, I help put together cash flow analyses, net worth updates, and plan review documents that support the bigger picture of each client’s financial plan.

I work closely with our Planning team to keep client information organized and up to date, and I help prep for meetings and follow through on recommendations. I really enjoy being part of the process and making things feel smooth and straightforward for the people we work with.

Outside of work, you’ll usually find me spending time with my family, staying active, and learning new things—whether it’s for personal growth or to strengthen my professional skills.

Loreen Lodhar

I joined the team at Oakland Enterprises in January 2022. Although I came in without direct experience in financial planning or tax filing, I brought an open mind and a strong willingness to learn, and the company provided everything I needed to succeed.

Trained as a Registered Massage Therapist with over 25 years in the industry, I developed a keen ability to truly listen and understand personal needs. I now rely heavily on this skill in my role on the Admin Team, where I carefully listen to clients and direct them to the appropriate team member to address their specific concerns. Every day, I strive to be as efficient and accurate as possible when handling our clients' financial tasks and strategies.

Outside the office, I love spending quality time with my family, friends, and our energetic family dog who always keeps me on my toes. I enjoy being outdoors, whether that means taking long walks, doing yard work, or simply soaking up the sun. I have a deep passion for helping others and believe there is a true benefit in giving without expectations.

To guide my life and work, I keep a few favorite quotes in mind:

"Attitude is the 'little' thing that makes a big difference." —Winston Churchill

"The best revenge is massive success." —Frank Sinatra

"If you want to lift yourself up, lift up someone else." —Booker T. Washington

Ryan Bennett

My name is Ryan Bennett, and I hold an Honours Bachelor of Commerce in Financial Planning and Management. In my role, I support clients by seamlessly managing their transactions and acting as a dependable point of contact. I take pride in helping clients navigate their questions, ensuring that their needs are met with accuracy and care. By focusing on the details—from tracking contributions to coordinating communication—I strive to make our clients feel secure and supported throughout their financial journey.

Outside the office, I am a huge baseball fan and love both watching and playing the game—Go Jays go! I find that the focus and discipline required in the sport greatly motivate me, and I bring that same dedicated energy to the office every day to help our clients reach their goals.

Olawumi (Wumi) Awe-Oluborode

My name is Olawumi Awe-Oluborode, most people call me Wumi pronounced (Woo-mee). I hold a Master’s degree in Business Administration, a Postgraduate degree in Marketing, an Ontario Graduate Certificate in Human Resources from Sheridan College and a Bachelor’s degree in Mass Communication.

I recently joined the Oakland Administrative Team in 2026, where I use my experience in administration, customer service and human relations to support our clients’ needs. Before joining Oakland, I worked as an Office Administrator with a multinational oil and gas company ABL Group and as an Administrative Service Representative within the Human Services departments at the Region of Peel.

Outside of work, I love spending time with my family. I am a soccer mom, so most weekends are spent at practice but when I get the chance to relax, I enjoy watching light-hearted shows like Love Is Blind and trying new recipes. I am friendly, easygoing and always up for a good laugh.

I try to live by a few simple values: perseverance leads to success, smiling never goes out of style and kindness matters because you never know what someone else is dealing with. I am really excited to be part of the Oakland team and look forward to supporting the best interests of our clients.