OKO Financial Inc.
Advanced Insurance Strategies Integrated into Wealth, Tax & Estate Planning
THOUGHTFUL STRATEGIES. LASTING RESULTS.
Strategic Clarity
Navigate complex planning decisions with confidence and a clear understanding of how each strategy supports your broader financial picture.
Wealth Preservation
Structure and protect wealth with tax-efficient strategies designed to enhance tax efficiency, manage estate exposure, and create liquidity when it matters most.
Advisor-Aligned Solutions
We work alongside your existing advisory team - enhancing, not replacing - your current strategy through coordinated, integrated planning.
Enduring Wealth Structures
Design long-term structures that support intergenerational wealth transfer, preserve capital, and reinforce your legacy.
HOW WE WORK: A FOUNDATION OF TRUST, CLARITY, AND PARTNERSHIP
Built on Relationships
Partnering in Complexity
Partnering in Complexity
Trust is built through clarity, consistency, and thoughtful collaboration.
As financial situations grow more complex, insurance becomes a strategic too - not a standalone product.
Our role is to simplify that complexity and ensure every decision is clearly understood:
What it does
Why it matters
How it fits into the broader plan
Strong outcomes are rooted in shared understanding, open communication, and disciplined execution.
Partnering in Complexity
Partnering in Complexity
Partnering in Complexity
As wealth evolves, so do the responsibilities that come with it.
Families grow
Businesses mature
Planning becomes more nuanced.
We partner with banking and wealth advisors when traditional strategies require additional structure—integrating insurance into a coordinated wealth, tax, and estate framework.
Our role is not transactional.
It is advisory.
Our Approach
Partnering in Complexity
Our Approach
Designed to bring clarity and structure to complex planning:
Understand
We begin by listening—identifying priorities, risks, and planning challenges.
Analyze
We evaluate your current structure to uncover gaps, inefficiencies, and opportunities.
Design
We develop tailored strategies aligned with your broader financial framework.
Collaborate
We coordinate closely with your advisors to ensure full integration.
Implement & Review
We execute with precision and refine over time as your needs evolve.
OUR TEAM
Brett Okorofsky - Founder | OKO Financial Inc.
With over two decades of experience, Brett specializes in strategic planning for business owners, high-net-worth individuals, and ultra-high-net-worth families. He brings deep expertise in wealth preservation, tax optimization, risk management, and advanced insurance strategies, tailoring every plan to the unique goals, values, and family dynamics of each client.
Brett’s approach is holistic and client-focused. He begins with thorough fact-finding to understand every dimension of a client’s financial situation, then designs custom solutions that align with both immediate needs and long-term objectives. Throughout the process, he maintains clarity, responsiveness, and respect, ensuring clients feel informed and confident in every decision.
A Bachelor of Commerce graduate and active member of the Conference for Advanced Life Underwriting (CALU), Brett is deeply engaged in the financial community and committed to building enduring, trust-based relationships.
Lindsay Pearn-Sinkins - Operations & Client Service Specialist | OKO Financial Inc.
As a licensed life insurance professional, Lindsay is responsible for managing client services and supporting day-to-day interactions with care and efficiency. She plays a key role in ensuring every client’s experience is seamless, responsive, and stress-free.
With a strong background in policy administration, client service, and compliance, Lindsay approaches every detail with precision and accountability. Her commitment to accuracy and organization helps ensure that processes run smoothly behind the scenes.
From assisting with applications to processing policy changes and coordinating with insurers, Lindsay is dedicated to delivering exceptional service with clear, consistent communication at every step.
Helen Chow - FSA | Actuarial Advisor
Helen is a seasoned actuary with over 30 years of experience in the insurance industry.
Her background spans traditional actuarial roles—including pricing individual and group life insurance—to sales support for high-net-worth advisors and the development of technical educational content as a marketing actuary.
At OKO Financial, Helen leverages her broad expertise to help design customized insurance strategies and explain complex products with clarity and precision.
She is passionate about simplifying sophisticated concepts so advisors and clients can make confident, informed decisions.
Michael Burch - FCPA, PCA, CFP | Strategic & Tax Advisory
Micheal brings more than four decades of experience in taxation, estate planning, and professional firm leadership.
After joining Welch LLP in 1978, he became a Partner in 1993 and served as Managing Partner from 2008 to 2021, leading significant growth and transformation across the firm’s Ottawa and Toronto offices.
Micheal is the President and Founder of The Evolution Hub, providing strategic advisory services to professional firms. His expertise spans corporate and personal taxation, cross-border planning, estate planning, and strategic leadership.
A Fellow of CPA Ontario, Micheal has been widely recognized for his professional and community contributions, including receiving the Trudeau Medal and being named Business Leader of the Year.
He is deeply involved in community leadership and philanthropy.
Bill Ness - FALU (Distinction), FLMI |Underwriting & Risk Advisory
Bill Ness brings nearly five decades of underwriting expertise across major North American insurers.
His career includes senior underwriting leadership roles at Prudential, Zurich Life, Sun Life Financial, Canada Life, and National Life/Industrial Alliance.
Through BN Underwriting Services, Bill supports complex and large insurance cases through underwriting audits, risk assessment, and advisor support.
His work helps streamline underwriting processes and secure optimal outcomes for high-net-worth clients.
Bill is a Fellow of the Academy of Life Underwriting (with Distinction) and has served extensively in professional underwriting associations.
