Michael was born overseas in Hong Kong and later moved to Canada with his family. He has been serving the public in the financial business for more than 20 years. Through his work, many relationships were built; clients became close friends. In June of 2004, Michael joined Brain Mallard and Associates in order to harness the energy needed to face the constant challenges of the industry. Michael knows that working with good people in a positive and proper environment is what it takes to do a superb job. In the end, it translates to a win-win situation for everyone – that is what Michael would like to see happen.