When a financial planner with four decades of experience across three continents decides to write a book, it’s usually not to join the crowded field of celebrity finance gurus. For Bose Odueke, the decision to publish ‘Steps to Your Personal Financial Freedom’ comes from something more pressing: Canadian investors demanding clear, jargon-free guidance on managing their money.
Recent surveys reveal that 57% of consumers report financial stress, with women (61%) and Generation Z (71%) experiencing particularly high levels of anxiety about money management. The problem isn’t always having enough money – it’s understanding what to do with it.
Canadians Want Clear Financial Guidance
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Odueke’s observation about widespread financial confusion aligns with data from the Financial Consumer Agency of Canada , which made reducing money-related stigma a cornerstone of its 2024 initiatives. The agency’s ‘Money on your Mind. Talk about it!’ campaign recognises that many Canadians avoid discussing finances altogether, creating a cycle of confusion and poor decisions.
‘Too many people feel anxious or lost when it comes to money,’ Odueke explains. ‘I wrote this book to simplify financial planning and help people feel confident in their financial choices, no matter where they’re starting from.’
The confusion stems partly from Canada’s array of registered savings vehicles. The differences between RRSPs, TFSAs, RESPs and FHSAs can perplex even sophisticated investors. RRSPs offer tax-deductible contributions but taxable withdrawals; TFSAs provide tax-free withdrawals but no upfront deduction; RESPs focus on education savings with government grants; and FHSAs, introduced in 2023, combine RRSP and TFSA advantages specifically for first-time home buyers.
Credentials That Matter
Odueke’s approach to demystifying these concepts carries weight because of her extensive credentials. As a Certified Financial Planner and Fellow of the Chartered Insurance Institute of London, she brings technical expertise earned across Nigeria, the UK and Canada. Her additional designations – Professional Business Accountant, Registered Professional Trainer and Master’s in Theological Studies – reflect a commitment to both technical competence and holistic client service.
Her 40-year career spans multiple economic cycles and regulatory environments, providing perspective on how financial strategies perform under different conditions. This breadth of experience matters in an industry where consumers increasingly seek advisers who understand both the technical aspects of financial planning and the human elements of money management.
Operating from her practice in Scarborough, Ontario, Odueke offers comprehensive financial planning services including life insurance, critical illness coverage, health insurance and guidance on mutual funds and segregated funds. Her involvement with charitable organisations demonstrates the community focus that many Canadian investors now expect from their financial advisers.
The book’s structure follows current trends in financial advice that emphasise interactive, client-centric approaches over traditional one-sided presentations. Odueke includes interactive worksheets, practical examples and clear breakdowns of complex terms – features that align with the industry’s move toward what experts call ‘Financial Advice 3.0’.
Today’s investors want to participate actively in their financial planning rather than simply receive recommendations. The book covers debt elimination, budgeting, investment selection and insurance choices, addressing the full spectrum of financial decisions that individuals face regardless of their wealth level.
The emphasis on accessibility follows how Canadians consume financial information. Industry research shows growing demand for financial guidance that enables client participation rather than creating dependence on expert interpretation.
Odueke’s dual role as author and active practitioner in the Scarborough and Pickering areas places her within a growing segment of Canadian financial advisers who emphasise community connection alongside technical expertise. Her charitable work and board positions show the kind of local engagement that builds trust with clients seeking advisers who understand their specific circumstances.
Many financial experts recognise that money management extends beyond mere calculations to include psychological and emotional factors. Odueke’s approach acknowledges these human elements whilst providing the technical knowledge investors need.
Filling a Practical Gap
The book positions itself as a practical toolkit rather than aspirational self-help, which market research suggests Canadian investors actually want. Rather than promising get-rich-quick schemes or revolutionary investment strategies, Odueke focuses on helping readers understand and use existing financial tools effectively.
This addresses a specific gap in the Canadian financial advice market. While robo-advisors handle basic portfolio management and complex financial planning serves high-net-worth clients, many Canadians need guidance on fundamental questions: How much to contribute to each type of account? Which insurance coverage makes sense? How to balance debt repayment with saving goals?
The book’s positioning as practical education rather than promotional material aligns with research showing that effective financial guidance must be accessible to all investors, regardless of their starting point or gender.
‘Steps to Your Personal Financial Freedom’ is available at Indigo and online at www.boseodueke.com . For those seeking more personalised guidance, Odueke can be contacted at 416-289-7990 or [email protected].
The book’s publication coincides with renewed focus on financial literacy among Canadian policymakers and industry leaders. As financial stress continues to affect workplace productivity and personal wellbeing, resources that provide clear, actionable guidance become increasingly valuable for investors at every level.
