The Greatest Enemy is You !

"Understanding obstacles towards financial independence - including yourself"
“ Tax, financial cost and death are certainties in life”- how to minimize the pain on your families!”

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About Tim Chang

Tim Chang
Author of “The Greatest Enemy is You”, a common sense approach on personal finance, business and investments; tips on how to conquer abuses in the present financial and tax system
Professional Qualifications:
• Certified Financial Planner
• Certified Payroll Manager
• Fellow Chartered Management Accountant (UK)


• 30 years in Accounting, Taxation Consultancy and Financial Planning
• Entrepreneur and owner of numerous businesses, for example, Dial Tax Professional Corporation, an accounting & taxation practice since 1982
• 6 years in Financial Planning and Financial Services: Formerly a Regional Vice President in Primerica Financial Services; Currently a Financial Consultant with Investors Group, the largest financial services company in Canada

• Help people retire with dignity
• Teach people how money works
• Empower people to take control of their personal finances from the banks, insurance companies and the tax agencies
• Coaching clients for better management of their relationship with bankers, insurers and taxmen so they can keep more money for themselves instead of giving it to banks and the tax agencies

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