Bernard is one of the co-founders of Concept One Financial Group and has been ranked top 10% nationally (2019, 2020) in the Mortgage Alliance network. He has been a licensed broker for more than 6 years and brings over a decade of experience in the financial industry. He was also a former software engineer/project manager with several well known system integration consulting companies. Bernard oversees the general operation and risk management of the company. He works well with all kinds of clients from first time home buyers to commercial buyers, refinances, private lending and project finance. Bernard also has a real estate licence that allows him to provide comparisons and insights to his financial work.