In 2019, Jack and Linda moved to Canada, settling in Vancouver with hopes of continuing their entrepreneurial success from experience. Even in their 60s, they were eager to build something new. But just as they were making plans, the COVID-19 pandemic threw everything off course.

After exploring different opportunities, they decided to invest in Vancouver real estate, putting their life savings into the market. In 2021, they purchased two properties worth $2 million, expecting steady rental income and long-term appreciation to secure their retirement.

However, things didn’t go as planned. As the Bank of Canada hiked interest rates, their rental income was no longer enough to cover skyrocketing mortgage payments. Every year, they had to shell out an extra $30,000 just to keep up with the loans. Over three years, they racked up $120,000 in losses.

What they thought was a safe investment quickly became a financial drain. Just when Jack was feeling stuck, an unexpected solution came his way. In the summer of 2023, a relative introduced him to Ai Financial’s investment loan program. After learning more, the couple decided to take action, securing a $400,000 investment loan through B2B Bank and Manulife Bank.

They put the funds into Canadian segregated funds, spreading their investments across Canada Life, Manulife, and iA to build a more secure future.

Fast forward to January 31, 2025—just 16 months later—their investment account has grown by $148,000 in net profit, delivering an impressive 390% return.

From struggling with real estate losses to thriving in financial investments, Jack didn’t dwell on setbacks. Instead, he pivoted, made a bold move, and turned things around. His story is proof that with the right strategy, it’s never too late to rebuild and grow wealth.