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Shiv Kalyan

Director

Practicing as a licensed insurance professional since 1998. Licensed as a Mutual Fund Sales Person in 1999. My career started with Metlife Insurance, Canada and in 2003, I started working as in independent broker. I've since helped many clients through their retirement and estate plans.
I founded Nobias Financial Services Agency Inc. in 2019. I am passionate about the financial well-being of my clients and strive to achieve their financial goals. With that in mind, I've put together a professional team of advisors who have over 100 years of collective experience in the industry. We have the capability of handling simple to complex scenarios.

Whether you are self-employed or a professional, single, couple or family, we are here to help you.

Contact us and we can have one of our advisors connect with you.

Licenses

Life Insurance
Mutual Funds

Jorge Ramos

CFP, CSA, CLU, CHS, TEP

With over 30 years of experience in the insurance industry, Jorge Ramos uses this vast level of knowledge and experience to assist clients with more complicated scenarios.

Jorge has also developed and trademarked a series of insurance products that bring the best ideas in the insurance industry together under one unique brand called AssurePlan. Strategies like Legacy Banking, Estate Protector, Retirement Protector are available to our clients.

Jorge started in the Life Insurance industry in 1992 as a Life Insurance Representative with London Life where he learned the basics of Financial Planning.

After many years as an Insurance Advisor, he switched paths and joined two of Canada’s top insurance companies as the Advanced Sales Director, where he spent 10 years. He is an avid reader and is always learning as can be seen in his professional credentials including CFP, CSA, CLU, CHS, TEP, Life License, Securities license and RIBO license.

Jorge has been happily married for over 20 years and is the father of two. A passionate advocate of financial literacy, 10 years ago Jorge started ‘Camp Millionaire’ in Canada, a summer camp that teaches children basic life skills in money management and investing. He has also been an active volunteer with Big Brothers of Toronto, Habitat for Humanity and orphanages in Tanzania.

Licenses

Life Insurance
Securities license
RIBO license

Marco Morlani

I’m Marco Morlani. I have been serving my clients in the insurance industry for over 24 years. As a licensed *Life Insurance, ^Auto, Home, and Commercial Agent, I pride myself in making lifetime clients by offering personalized service. Insurance can be overwhelming, whether choosing the right product, the right coverage or just the right “No bias” advice I will be here for you. I want to earn your business by using my experience and by providing exceptional customer service.

As part of the Nobias Financial Services Team, I promise to deliver what I say to; look after your best interests.

*Life Insurance Products and Services are provided through Carte Risk Management Inc

^Auto, Home and, Commercial Insurance is provided through Intact Insurance. This has no affiliation with Cart Risk Management Inc. or Nobias Financial Services Agency Inc.

Licenses

*Life Insurance
^Auto, Home, and Commercial Agent

Darren Robinson

Mortgage Broker

As a licensed Mortgage Broker and Life Insurance Advisor, I have over 15+yrs experience providing mortgage and lending solutions. Most banks offer a “limited product shelf” of 2-6 mortgage types, no reduced rates, no service after banking hours, no suggestions for better options, no education to eliminate debt or improve credit. If you are self-employed, a difficult credit consumer, it takes take days and even weeks to let you know if your mortgage is approved by a bank. I’ve access to over 40 different lenders, personal service “after banking hours”. My available mortgage products for self-employed consumers are easy to obtain, credit issues will be addressed and rectified, and you will get your approval notification within 24 hours of completed application…GUARANTEED! I deal with the lenders, so you don’t have to, and provide you with knowledge about your mortgage and answers to any questions about the entire mortgage process. My years of experience and expertise will help guide you through to a happy closing, every time! I provide a no-cost, risk-free assessment of your home financing needs. I specialize in first time home buyers, rent to own, real estate investors, self-employed, equity lending and impaired credit rating.

*As a member of Team Nobias, I also provide life insurance and wealth management, living benefits and Group Health Benefits expertise through experienced team members who specialize in this field. This helps my clients receive the best of both worlds!

Direct: (705)737-6161
Email: darren@darrenrobinson.ca
Website: www.darrenrobinson.ca

*Life Insurance and Life insurance products are provided through Carte Risk management Inc.

Raj Amin

P. Eng

Raj Amin boasts an extensive 27-year career as a financial advisor. He holds a Bachelor of Science degree in Electrical Engineering from Detroit Institute of Technology, graduating in 1971.

Throughout his career, his engineering background provided a unique perspective in the financial advisory field, enabling him to bring analytical and problem-solving skills to his practice.

Email: rajendrakumar.amin@cartewm.com

Licenses

Life Insurance
Insurance

Jeremy McQuay

Jeremy McQuay is an insurance professional boasting 24 years of expertise in the individual insurance and employee benefits markets. He honed his employee benefits acumen through roles at a high-net-worth investment firm and as the leader of a thriving sales team at a Third-Party Administrator, driving business expansion and market outreach. In his latest position as Vice President at a major National Employee Benefits Broker, Jeremy seamlessly blended his sales prowess with operational and financial expertise, all while upholding a steadfast commitment to a customer-centric approach.

Mo Awan

With over 25 years of diverse sales and marketing experience, Mo Awan serves as a key driver of Business

Development at Nobias Financial Services. His career spans a broad spectrum of industries, including OEMs, U.S. medical device companies, automotive, and plastics manufacturing, culminating in a decade of specialization in financial services.

Mo's multifaceted background, from startups to global enterprises, equips him with exceptional relationship management skills and a wealth of cross-industry expertise. His entrepreneurial mindset and passion for fostering strong client relationships have consistently driven growth and expanded market share.

In his role as a Business Development Manager in wealth management, Mo collaborates with Family Offices, pension funds, community foundations, and high-net-worth individuals. This experience provides a solid foundation for his contributions to Nobias Financial Services, where he continues to deliver value through innovative strategies and personalized solutions.

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Disclaimers: Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. | Mutual funds provided through Carte Wealth Management Inc. and insurance products and services provided through Carte Risk Management Inc.

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