I didn’t build my career overnight. I built it the same way I help my clients build wealth—strategically, intentionally, and with a long-term vision.

My journey began in the Philippines at the University of the East, where I laid the foundation for my education and ambition. When I moved to Canada, I continued my studies at John Oliver Secondary School in Vancouver, adapting to a new country, new systems, and new opportunities.

But my real education came from balancing big dreams with real-life responsibilities.

While raising a young family, I pursued multiple diplomas at the British Columbia Institute of Technology (BCIT) in Computer Programming, Financial Accounting & Taxation, and Payroll & HR. I studied late at night, managed family life by day, and committed myself to building a future where knowledge would be my greatest asset.

Learning the System from the Inside

My professional foundation was built at the Canada Revenue Agency (CRA). As a Taxpayer Services Agent, Collections Officer, and Compliance Officer, I gained deep expertise in taxation, compliance, estates and trusts, insolvency, and complex financial cases.

I saw firsthand how families lost wealth—not because they didn’t earn enough, but because they didn’t have the right strategy. I saw businesses struggle due to preventable tax issues. I saw estates diminish because planning came too late.

Working at the CRA taught me how the system works—how taxes impact generational wealth, how compliance protects sustainability, and how proactive planning changes everything.

And I realized I wanted to do more than enforce rules.

I wanted to empower people before problems began.

From Enforcement to Empowerment

That calling led me into the private financial sector. I began my financial advisory career with Primerica as a Licensed Financial Advisor, helping families build protection-first strategies through life insurance, investments, and structured wealth planning.

Later, I expanded my expertise in real estate financing as a Mobile Mortgage Advisor with CIBC. There, I guided clients through home financing, refinancing, and real estate investments—helping them see property not just as a home, but as a powerful wealth-building tool.

Over time, I recognized something critical:

Insurance alone is not enough.
Investments alone are not enough.
Real estate alone is not enough.

True wealth requires integration.

Building Genwealth

Today, as the Independent Financial Broker and CEO of RJ Torres Genwealth Inc., I bring together taxation strategy, insurance, investments, and real estate into one holistic financial ecosystem.

My background allows me to see what others often miss:

How to legally minimize tax exposure

How business structures impact profitability

How to convert active income into passive and residual streams

How to protect assets while growing them

How to design estates that transition smoothly to the next generation

I work with families, professionals, and entrepreneurs who are ready to move beyond short-term success and build lasting legacy.

I don’t just offer financial products.

I design comprehensive wealth strategies that align with your values, your goals, and your future.

My Mission

My mission is simple and powerful:

To empower individuals and families with tax-efficient financial strategies that build lasting wealth and generational legacies—while helping entrepreneurs create sustainable businesses with passive and residual income.

For me, wealth is not just about numbers.

It’s about freedom.
It’s about security.
It’s about creating choices for your children.
It’s about building something that outlives you.

Because true success isn’t measured by income alone—

It’s measured by the legacy you leave behind.