Originally licensed by both the Ontario Securities Commission and Insurance Commission over 30 years ago, Ralph worked 15 years for some of the major investment and insurance companies in Canada before opening his own brokerage office. With a degree in Economics, Ralph obtained his CLU (Chartered Life Underwriter) designation in 1980, CFP (Certified Financial Planner) designation in 1989, his ChFC (Chartered Financial Consultant) designation in 1992 and his RHU (Registered Health Underwriter) designation in 1998.

Ralph runs his own brokerage operation in north Toronto where he deals with a variety of different insurance companies as well as investment firms. He is currently open to new clients who wish both to achieve and maintain financial security. He encourages open communication with clients to help monitor their security. Ralph does not charge clients a few based on time or effort involved but prefers to work with prospective clients with commitment to implement transactions (where licensed) through his office.