Fred J Masters

Fred J. Masters, BBA, BEd, PQP, is the author of Lessons on Mastering Money: The Personal Finance Guide for Canadians in their 20s & 30s, which was recognized as one of the Top Ten Financial Literacy Books from around the world in the inaugural Money Awareness and Inclusion Awards in 2022. He is the President of Masters Money Management Inc. and has given financial wellness presentations to all demographics in Canada, including university students and alumni. He is a retired professional educator, having taught senior financial accounting for the Waterloo Catholic District School Board in Ontario for three decades. He is also a licensed mortgage agent in Waterloo Region. He can be reached at To find out more, visit