Money Lesson

You can change your financial future

Money lesson by Santiago Garcia PFP®, MBA. is a collection of 5 interactive home-study courses where we teach personal finance skills and money management to you and your family.  Good money management is a skill that anyone can learn (even kids and young adults), regardless of where they are financially.  We believe that with a basic understanding of personal finance, you can change the trajectory of your future financial life.


  • You track our income and expenses regularly and confidently.
  • You are able to save every month toward our financial goals.
  • You measure our financial success and feel successful no matter what “everybody else” is doing. 
  • You have set aside enough money to cover any emergencies that come up.
  • You understand the basics of investing and we know what is our risk tolerance so that we can invest wisely for our future.  
  • You have the right insurance policies in place to protect income, car, home, and our family. 
  • You have a great credit score.
  • You pay off our debts in the most efficient way. 
  • You have the vision and the money to live our ideal life, spend guilt-free (travel, health, clothes) and save for retirement and education. 
  • You understand the different types of retirement accounts to contribute regularly for our retirement goals.
  • You feel confident that our kids have discovered new tools to manage their future hard earned money.”


Santiago Garcia PFP®, MBA


Although I’m a personal financial planner, I’ve been through the same money challenges, concerns, milestones and successes you probably have. I know from first-hand experience, being a father of 3 children, how hard managing money can be. I am also an immigrant that came to Canada 17 years ago as you probably were and in my case with very little in my two suitcases. Fortunately, I was able to study my MBA in McGill University and earn the Personal financial Planner designation which help me move forward putting in practice what we are essentially supposed to do with our money–spend less than we earn and save for the future. I would like to share with you my learning about money in these short courses filled with simple but powerful money management and personal finance strategies so that you can move forward as well.

Hi, I’m Santiago Garcia, PFP®, MBA  founder and CEO of owned by Finmarket Inc., a Toronto-based financial company whose mission is to teach individuals and families the art of managing their money the fun and simple way.  After 20 years of working in the corporate world of financial planning at various institutions (Scotiabank, Royal Bank, CIBC, Sudameris Bank) I realized I wanted to work with clients the same way I talk about money with my family–in a fun, personal, compassionate, relatable and nonjudgmental way.  That is why I created which have lead me to become a well-known financial expert and a go-to resource for national media outlets such as the National Post. Above all my designations and education I’m optimistic about people finances and how taking control of very simple things can change their financial future.

I invite you to learn keep learning on how to use money and educate yourself and your family on our simple but powerful money management and personal finance strategies.

Your satisfaction is guaranteed thanks to Moneylesson “Nothing-to-Risk”, Rock Solid, 100% Money-Back Guarantee. If you complete all the modules of the course and you are not satisfied simply contact us within 7 days and we’ll refund you the full amount paid. Our only goal with these courses is that you and your family will benefit. This is how confident we are that these money lessons will change your financial future.

Just like we enroll our kids in instrument lessons so that they can master their skills, we should give them the gift of money lessons to help them become better in managing their future hard earned money.

Why do we keep our money knowledge to ourselves and don’t involve our kids? because money is a complex subject full of emotions and learning lessons and we tend to avoid it altogether thinking that kids won’t understand or perhaps would question us on how we manage our finances. The truth is that one day they will be independent and would face the same fears and challenges we have faced with money ourselves and would thank us for having share those money talks.

It has been proven that the sooner we share with our kids some of the following topics about money the easier for them it would be to take control of their own lives and reach their goals.

Money Lessons

Money lessons is a 5-module online Fun and interactive home-study course, where we teach personal finance skills and money management to you and your family. 


What does money mean four you?

How would you reach your goals?



Why does it make sense to have a budget?

How can my paycheck provide me with savings for the future?​

Why an emergency fund can give you peace of mind


Pay Off Debt

How to reduce debt

How to break the cycle of debt and have a perfect start on debt management

What is Debt Relief, Debt Consolidation and Mortgage Refinincing


Insurance & Protection

How protecting your health can save you money​

How to shield your family and assets from risk with easy strategies



How to make sure you are ready for retirement

How to achieve your retirement goals

Learn the difference between an RRSP and TFSA and explore retirement vehicle accounts.



How to save and create multiple income streams

How to decrease risk in your investments

Your satisfaction is guaranteed thanks to my “Nothing-to-Risk”, Rock Solid, 100% Money-Back Guarantee. If you complete all the modules of the course and you are not satisfied simply contact me within 7 days and I’ll refund you the full amount paid. My only goal with this course is that you and your family will benefit.

If your are not ready to enroll please feel free to access our free savetips and resources in our blog.