How We Started
Back in 2019, I was working as a financial advisor in Toronto when something really struck me. Client after client would come in completely overwhelmed by basic financial concepts. These weren't people who lacked intelligence — they were doctors, teachers, engineers. But somehow, nobody had ever taught them how money actually works.
The breaking point came when a brilliant software developer told me she'd been living paycheck to paycheck despite earning six figures. She was embarrassed, almost ashamed. That's when I realized we had a massive education gap, not a knowledge gap.
"Financial literacy isn't about being smart with money — it's about having the right tools and knowledge to make informed decisions."
So I started Venejo-Pivabi with a simple mission: make financial education accessible, practical, and judgment-free. We moved our base to Clinton, Ontario, where we could focus on building something that actually helps people instead of just selling them products.