Our Story

You’re looking for something different. So where do you turn?

There are endless places to look for run-of-the-mill financial ideas – for general advice that suits the majority of people most of the time. But what happens when your needs aren’t typical?

Families that are building wealth quickly have different needs, and that means you need someone who understands you, and understands how to help.

 

As an individual you’re limited to what opportunities you can access, and as a client of a traditional banking or investment provider, you’re limited to what conventional institutions can offer you.

That’s why we developed the process, expertise and due diligence to access the kind of financial opportunities that are outside the purview of most institutions, and out of reach for most investors.

The result is a unique ability to provide custom tailored solutions for emerging affluent families.

“SafeBridge isn’t an algorithm or a one-size-fits-all solution. The clients we work with, need access to bespoke strategies that are curated and designed with their family and professional situation in mind.”

Chris Karram
Managing Partner, Private Wealth

Our Team

      
Previous
 
  • Chris Karram
  • Elisseos Iriotakis
  • Grant Thomas
  • Mark Kerzner
Next

Chris Karram

Managing Partner, Private Wealth

After almost two decades in the financial sector working with Canadians across the country, Chris Karram founded SafeBridge Private Wealth as a haven for individuals looking for strategies that are outside the traditional wealth management box. As a tax and insurance expert, a real estate and private equity investor, and a professional and social entrepreneur, he understands the needs of emerging affluent Canadian families and their desire to build family wealth.

Chris began his career as a Financial Advisor and, over time, developed a unique ability to think creatively when it came to using insurance and tax planning strategies to meet individual client needs. In 2006, he co-founded SafeBridge Financial Group and pioneered a holistic approach to mortgage advice called Mortgage Centered Financial Planning. SafeBridge Financial Group is now one of the largest and most trusted mortgage and insurance brokers in the country.

Read more

 

Elisseos Iriotakis

Managing Partner, Mortgage Services

Elisseos Iriotakis leads SafeBridge Private Wealth alongside Chris Karram. His rare depth and breadth of expertise, combined with his ability to develop creative investment solutions, is at the heart of the firm’s vision for bespoke investment advice.

Prior to SafeBridge, he held a variety of positions with CIBC World Markets, The Ontario Teachers’ Pension Plan and The Mortgage Centre. During this time he developed specialized expertise in tax and accounting, real estate investing and market analysis. Alongside Chris Karram, he Co-Founded SafeBridge Financial Group in 2006 with a focus on mortgage lending and insurance strategy. During his tenure there, Elisseos came to be considered by many of his peers as one of the top mortgage professionals in the country.

Read more

 

Grant Thomas

Founder &Senior Partner, TMG Canada

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Mark Kerzner

President &CEO, TMG Canada

Mark has a deep-rooted passion and respect for the mortgage brokerage industry in Canada. Since 2009, he has worked as President &CEO of TMG The Mortgage Group Canada, one of the largest full-service brokerages in Canada. Prior to that, he worked on 'Top Teams’ at CIBC Mortgages, FirstLine Mortgages and Paradigm Quest in executive leadership roles in Sales, Marketing, Corporate Development and Operations.

From 2014-18, Mark has served as a Director of the Board at Mortgage Professionals Canada (formerly CAAMP). In his first year he was elected Treasurer. In 2015, he was elected Vice-Chair and then in 2016, Mark assumed the position of Chair of the Association.

Read more

Previous
 
  • Chris Karram
  • Elisseos Iriotakis
  • Paula Needler
  • Diane Naughton
  • Magid Girgis
  • Michael Occhipinti
Next
 

Chris Karram

Managing Partner, Private Wealth

After almost two decades in the financial sector working with Canadians across the country, Chris Karram founded SafeBridge Private Wealth as a haven for individuals looking for strategies that are outside the traditional wealth management box. As a tax and insurance expert, a real estate and private equity investor, and a professional and social entrepreneur, he understands the needs of emerging affluent Canadian families and their desire to build family wealth.

Chris began his career as a Financial Advisor and, over time, developed a unique ability to think creatively when it came to using insurance and tax planning strategies to meet individual client needs. In 2006, he co-founded SafeBridge Financial Group and pioneered a holistic approach to mortgage advice called Mortgage Centered Financial Planning. SafeBridge Financial Group is now one of the largest and most trusted mortgage and insurance brokers in the country.

Read more

 

Elisseos Iriotakis

Managing Partner, Mortgage Services

Elisseos Iriotakis leads SafeBridge Private Wealth alongside Chris Karram. His rare depth and breadth of expertise, combined with his ability to develop creative investment solutions, is at the heart of the firm’s vision for bespoke investment advice.

Prior to SafeBridge, he held a variety of positions with CIBC World Markets, The Ontario Teachers’ Pension Plan and The Mortgage Centre. During this time he developed specialized expertise in tax and accounting, real estate investing and market analysis. Alongside Chris Karram, he Co-Founded SafeBridge Financial Group in 2006 with a focus on mortgage lending and insurance strategy. During his tenure there, Elisseos came to be considered by many of his peers as one of the top mortgage professionals in the country.

Read more

 

Paula Needler

Director of Compliance and Contracting

Paula joined SafeBridge Financial Group in 2010 with over 17 years of experience in the financial services industry. She started her career with CIBC as an Imperial Service Advisor before joining Mortgage Alliance of Canada. As a Consulting Support Manager, Paula helped build a team of over 400 Mortgage Agents across Canada by providing unparalleled training, tools and coaching to help each individual enhance and grow their own mortgage practice.

Read more

 

Diane Naughton

Client Relationship Manager

Diane joined SafeBridge in 2019, bringing with her 30 years of administrative and operational experience.

Diane’s role is to provide exceptional client service and a first class experience for our private wealth clients. She continuously works to develop operational efficiencies, ensuring high client service standards, and to plan for the strategic growth and development of the firm and the clients we serve.

Read more

 

Magid Girgis

Certified Financial Planner, Private Wealth

Magid is a Certified Financial Planner® with SafeBridge Financial Group Life bombards us with so many different choices and options. Making the right financial decisions can be difficult and at times complicated. By filtering out the noise and distractions, Magid helps his clients make the right decisions. As a relationship builder, Magid knows and understands his clients and their unique financial picture. His understanding allows him to collaborate with professionals to customize and implement tax-preferred estate and financial planning strategies for individuals, families and small business owners.

Read more

 

Michael Occhipinti

Insurance Advisor

After spending the first part of his career owning multiple coffee franchises across Toronto, Winnipeg and Victoria, Michael brought his entrepreneurial background to the Insurance industry in 2014.

Read more

“Our clients expect the same unique and exceptional expertise that they provide for their clients, colleagues and family. We work hard to identify unique and bespoke strategies that will not work for everyone, but that will work perfectly for the right people.”

Chris Karram
Managing Partner, Private Wealth

Our Community

Thinking Globally

We’ve always been interested in finding unique ways to solve problems, which has been an important factor in our pursuit of certain philanthropic interests.

Homes 4 Hope was created in 2014 by Chris Karram in order to help alleviate the effects of poverty on some of the most disenfranchised individuals in Africa.

Click to find out more

Make-A-Wish Canada is an affiliate of Make-A-Wish® International, the largest wish-granting organization in the world, making dreams and wishes come true for more than 480,000 children since 1980.

A global relief, development and advocacy organization, World Vision partners with children, families and their communities to reach their full potential by tackling the causes of poverty and injustice.

“Each client is different, and so is each family, which is why we treat each situation and solution as if it were our own.”

Elisseos Iriotakis
Managing Partner, Principal Mortgage Broker
Top
Board of Directors

Chris Karram

Co-Founder & Chief Strategy Officer

After almost two decades in the financial sector working with Canadians across the country, Chris Karram founded SafeBridge Private Wealth as a haven for individuals looking for strategies that are outside the traditional wealth management box. As a tax and insurance expert, a real estate and private equity investor, and a professional and social entrepreneur, he understands the needs of emerging affluent Canadian families and their desire to build family wealth.

Chris began his career as a Financial Advisor and, over time, developed a unique ability to think creatively when it came to using insurance and tax planning strategies to meet individual client needs. In 2006, he cofounded SafeBridge Financial Group and pioneered a holistic approach to mortgage advice called Mortgage Centered Financial Planning. SafeBridge Financial Group is now one of the largest and most trusted mortgage and insurance brokers in the country.

A recognized industry leader and financial specialist, Chris has had the privilege of speaking as an expert in his field at numerous events on both provincial and national platforms. He is also frequently featured in media publications including the Toronto Star, The Globe and Mail, Investment Executive and Canadian Mortgage Professional, to name a few.

One of Chris’ passions is helping others. For this reason, he founded Homes4Hope Canada with his wife Arlene in 2014 to help raise funds to build homes for families living with disabilities in the poorest countries in the world. As a result of their partnerships with Habitat for Humanity Canada and Hope and Healing International, each dollar raised receives a 3-to-1 match. This has led to the construction of over 143 homes in Ethiopia and Malawi, which has provided much needed medical and sustainable support for each family. Thanks to their incredible donors, as of 2019 Homes4Hope Canada has raised $681,000 and received an additional $1.1M in matches from their NGO partners.

Board of Directors

Elisseos Iriotakis

Co-Founder & Chief Financial Officer

Elisseos Iriotakis leads SafeBridge Private Wealth alongside Chris Karram. His rare depth and breadth of expertise, combined with his ability to develop creative investment solutions, is at the heart of the firm’s vision for bespoke investment advice.

Prior to SafeBridge, he held a variety of positions with CIBC World Markets, The Ontario Teachers’ Pension Plan and The Mortgage Centre. During this time he developed specialized expertise in tax and accounting, real estate investing and market analysis. Alongside Chris Karram, he Co-Founded SafeBridge Financial Group in 2006 with a focus on mortgage lending and insurance strategy. During his tenure there, Elisseos came to be considered by many of his peers as one of the top mortgage professionals in the country.

Now an avid real estate investor himself, Elisseos combines this expertise with his knowledge of financial and tax planning to design creative and bespoke investment strategies for his clients. Elisseos is periodically asked to guest lecture at the University of Toronto and Seneca College. He is frequently quoted in industry publications including the Toronto Star, Canadian Real Estate and The Canadian Mortgage Professional.

Board of Directors

Grant Thomas

Founder & Senior Partner, TMG Canada

Board of Directors

Mark Kerzner

President & CEO, TMG Canada

Mark has a deep-rooted passion and respect for the mortgage brokerage industry in Canada. Since 2009, he has worked as President & CEO of TMG The Mortgage Group Canada, one of the largest full-service brokerages in Canada. Prior to that, he worked on 'Top Teams’ at CIBC Mortgages, FirstLine Mortgages and Paradigm Quest in executive leadership roles in Sales, Marketing, Corporate Development and Operations.

From 2014-18, Mark has served as a Director of the Board at Mortgage Professionals Canada (formerly CAAMP). In his first year he was elected Treasurer. In 2015, he was elected Vice-Chair and then in 2016, Mark assumed the position of Chair of the Association.

Having been an executive in both the lending and brokering communities, Mark offers a unique 360-degree view on the Canadian finance landscape and focuses on people, branding, positioning and operational excellence.

Mark maintains that in an ever-changing economic environment, brokers have the knowledge, expertise and resources to be the consumer’s trusted and valuable advisor – now more than ever before.

Before starting his finance career in 2000 with CIBC Mortgages as Director of Corporate Development, Mark was trained as a high school teacher and worked in real estate and marketing for a number of years. He later joined FirstLine Mortgages as Vice President, Sales and Marketing. In 2006, he joined Paradigm Quest Inc. as Executive Vice President, Corporate Development and then as Executive Vice President, Operations. In 2009, Mark joined TMG The Mortgage Group Canada Inc. as President.

Mark holds an MBA from the Rotman School of Management (University of Toronto), a Bachelor of Education and a Bachelor of Arts (honours) from the University of Western Ontario.

Our Team

Chris Karram

Co-Founder & Chief Strategy Officer
chris@safebridgefinancial.com | (416) 466-5858 x339 | (416) 417-0014

After almost two decades in the financial sector working with Canadians across the country, Chris Karram founded SafeBridge Private Wealth as a haven for individuals looking for strategies that are outside the traditional wealth management box. As a tax and insurance expert, a real estate and private equity investor, and a professional and social entrepreneur, he understands the needs of emerging affluent Canadian families and their desire to build family wealth.

Chris began his career as a Financial Advisor and, over time, developed a unique ability to think creatively when it came to using insurance and tax planning strategies to meet individual client needs. In 2006, he cofounded SafeBridge Financial Group and pioneered a holistic approach to mortgage advice called Mortgage Centered Financial Planning. SafeBridge Financial Group is now one of the largest and most trusted mortgage and insurance brokers in the country.

A recognized industry leader and financial specialist, Chris has had the privilege of speaking as an expert in his field at numerous events on both provincial and national platforms. He is also frequently featured in media publications including the Toronto Star, The Globe and Mail, Investment Executive and Canadian Mortgage Professional, to name a few.

One of Chris’ passions is helping others. For this reason, he founded Homes4Hope Canada with his wife Arlene in 2014 to help raise funds to build homes for families living with disabilities in the poorest countries in the world. As a result of their partnerships with Habitat for Humanity Canada and Hope and Healing International, each dollar raised receives a 3-to-1 match. This has led to the construction of over 143 homes in Ethiopia and Malawi, which has provided much needed medical and sustainable support for each family. Thanks to their incredible donors, as of 2019 Homes4Hope Canada has raised $681,000 and received an additional $1.1M in matches from their NGO partners.

Our Team

Elisseos Iriotakis

Co-Founder & Chief Financial Officer
elisseos@safebridgefinancial.com | (416) 466-5858 x322

Elisseos Iriotakis leads SafeBridge Private Wealth alongside Chris Karram. His rare depth and breadth of expertise, combined with his ability to develop creative investment solutions, is at the heart of the firm’s vision for bespoke investment advice.

Prior to SafeBridge, he held a variety of positions with CIBC World Markets, The Ontario Teachers’ Pension Plan and The Mortgage Centre. During this time he developed specialized expertise in tax and accounting, real estate investing and market analysis. Alongside Chris Karram, he Co-Founded SafeBridge Financial Group in 2006 with a focus on mortgage lending and insurance strategy. During his tenure there, Elisseos came to be considered by many of his peers as one of the top mortgage professionals in the country.

Now an avid real estate investor himself, Elisseos combines this expertise with his knowledge of financial and tax planning to design creative and bespoke investment strategies for his clients. Elisseos is periodically asked to guest lecture at the University of Toronto and Seneca College. He is frequently quoted in industry publications including the Toronto Star, Canadian Real Estate and The Canadian Mortgage Professional.

Our Team

Paula Needler

Director of Compliance and Contracting
paula@safebridgefinancial.com | (416) 466-5858 x303

Paula joined SafeBridge Financial Group in 2010 with over 17 years of experience in the financial services industry. She started her career with CIBC as an Imperial Service Advisor before joining Mortgage Alliance of Canada. As a Consulting Support Manager, Paula helped build a team of over 400 Mortgage Agents across Canada by providing unparalleled training, tools and coaching to help each individual enhance and grow their own mortgage practice.

Paula then set her sights on joining SafeBridge as the Director of Compliance and Contracting, and has also helped mould and define the entire “onboarding” experience for new team members. In addition, Paula was the driving force behind the implementation and development of the “SafeBridge Underwriting Network” (SUN), launched in late 2012, which provides a truly value-added service for all internal members of the SafeBridge team. She regularly hosts weekly and monthly training and is committed to the success of each team member.

Our Team

Diane Naughton

Client Relationship Manager
diane@safebridgefinancial.com | (416) 466-5858 x321

Diane joined SafeBridge in 2019, bringing with her 30 years of administrative and operational experience.

Diane’s role is to provide exceptional client service and a first class experience for our private wealth clients. She continuously works to develop operational efficiencies, ensuring high client service standards, and to plan for the strategic growth and development of the firm and the clients we serve.

Prior to joining SafeBridge, Diane was a Branch Manager at Carte Wealth Management and is also a fully licensed Mutual Fund and Life Insurance salesperson. She is constantly seeking learning opportunities and further education in order to improve and enhance the relationship she has with our private wealth clients.

Outside the office, Diane enjoys spending time with her family and friends and is an avid squash player.

Our Team

Magid Girgis

Certified Financial Planner, Private Wealth
magid@safebridgepw.com | (416) 466-5858 x306

Magid is a Certified Financial Planner® with SafeBridge Financial Group Life bombards us with so many different choices and options. Making the right financial decisions can be difficult and at times complicated. By filtering out the noise and distractions, Magid helps his clients make the right decisions. As a relationship builder, Magid knows and understands his clients and their unique financial picture. His understanding allows him to collaborate with professionals to customize and implement tax-preferred estate and financial planning strategies for individuals, families and small business owners.

Why choose Magid as your Financial Planner? He is a relationship builder. He believes in what he does and enjoys doing it. With over 30 professional years of experience, Magid brings four special tools; integrity, focus, commitment and adaptability. Prior to joining SafeBridge Financial Group, Magid spent over 20 years in financial services with RBC and Sun Life. He also brings a decade of business management and a solid understanding of pension and benefits planning. He specializes in serving the Baby Boomers and Gen “X” Professionals where he creates investment and insurance strategies that maximize their cash flow and tax savings.

Magid is a seasoned corporate speaker having spoken at over one hundred corporate and private events. He loves educating people about financial planning, managing cash flow, investing and managing their risk. Magid simplifies concepts and encourages his audience to set goals and achieve financial success. You can follow Magid on twitter @magstergee and on his Blog “It’s Only Money”.

Our Team

Michael Occhipinti

Insurance Advisor
michael@safebridgepw.com | (416) 466-5858 x306

After spending the first part of his career owning multiple coffee franchises across Toronto, Winnipeg and Victoria, Michael brought his entrepreneurial background to the Insurance industry in 2014.

Knowing first hand the importance of protecting both personal and business interests, Michael is passionate when working with his clients on achieving their financial goals. He started his career with Sunlife Financial prior to joining SafeBridge Financial in 2018, and hasn’t looked back. His focus has always been to help his clients make sound financial decisions in order to use insurance to protect their family and their business, but also to protect them from paying too much tax. His guidance and understanding of corporately owned life insurance is one of Mike’s greatest areas of expertise and has been a tremendous asset with working many mortgage professionals in protecting their clients most important needs.

After his first two years with SafeBridge Financial, Mike is now an insurance focused Advisor with SafeBridge Private Wealth and works specifically with emerging affluent families and business owners.