Ryan Sims is a mortgage agent based out of London Ontario. Ryan started in the financial services industry at the age of 15, taking on a part time role at RBC. After graduating high school he moved throughout various positions at RBC, finishing in the Collections Department in Downtown Toronto. After moving out of RBC, Ryan spent time with Citi Group, before moving back to Southwestern Ontario to start his own financial planning practice. Ryan recognized through his various roles that there was a large gap in the financial services industry and wanted to change that. He was one of the first planners in Ontario to hold an insurance license, a mortgage agent license, and an investment license, allowing him to tackle all areas of clients’ financial lives. After 17 years of running his own business, and working tirelessly for his clients, Ryan sold his financial planning practice in 2021 at the age of 40. A graduate of Seneca College, Ryan holds degrees from the Investment Funds Institute of Canada, The Canadian Securities Institute, and is a current holder of an Ontario Life Insurance license, and an Ontario mortgage agent license. Author of www.mortgageramblings.com, Ryan's multiple licenses, and past experience make him a great source for credit markets, stock and bond markets, financial planning, and consumer behaviour. Ryan has successfully passed the behavioral finance program, and the Fintech Digital Finance program from The Wharton School of Business at the University of Pennsylvania. Ryan is married to his wife, Kinga of 20 years, and has 4 boys ranging in ages from 13 to 20, and spends most of his time in his adopted home – the US Gulf Coast.