MEET ROBIN.

I'm kinda like you, a healthcare professional, likely a bit more weird, because I geek out on finance. More specifically a physiotherapist. Traditionally trained. I followed the conventional route of high school, undergrad, and post-graduate education. I have had the pleasure of working alongside many astute health professionals.  Over many years of clinical experience and extracurricular courses, I finally became comfortable and confident with my skills.  Qualified, by conventional standards.

Throughout the last several years I realized that as health professionals we tend to put the needs of our clients over ourselves. Ultimately to our detriment. This is likely due to the aspect that we receive absolutely no education on very practical concepts like financial education. Something I believe will have more of an impact on your life than your actual career. So I decided to teach myself.

I'm your unconventional financial literacy educator. Non-traditionally trained. I did not follow a prescribed route. I’ve never enrolled in or completed a single undergrad or post-grad business, economics or accounting course. I struggled through self-education, networking groups, trial and error, and failure.  Unqualified?

I’ll let you decide.

Oh you’re still reading

Don’t get me wrong, I love being a Physiotherapist and I’m truly blessed that I can go to work with a smile on my face knowing that I am making a positive impact on my clients’ lives.

BUT

I realized early on that being a Physiotherapist alone wouldn’t lead to achieving my bigger goals—like retiring early and enjoying my middle years (not just my golden years) on my own terms, without trading time for money.

Over the course of my 12+ years in practice, I’ve been fortunate enough to complete a variety of courses in manual therapy, exercise, concussion management, and golf-specific training (the traditional path—find a niche, expand your skill set, and own it). In those courses, I encountered practitioners at all stages—seasoned professionals and newcomers alike—on the same mission: to become successful and skilled in their craft, just as our education system always promised.

But what the system didn’t teach us—at least not me—was how to get out of student debt, the difference between a TFSA and an RRSP (Canada), or a 401(k) and Roth IRA (US), how to invest in the stock market, how to buy a home, or why saving money might not be the best way to grow wealth. Instead, I spent years learning complex concepts like stoichiometry, the quadratic formula, and how to stress test obscure ligaments, while being left in the dark about personal finance.

Tired of running in circles, I decided to take control and chart my own path out of the rat race.

Traditional Education & Recognition

  • Queen’s University

  • McMaster University

  • McMaster Physiotherapy Program 2012-Present

  • Level 3 Medical Practitioner 2017-Present

Non-Traditional Education & Failures

  • Entrusted someone with 4 years of my early investment, and didn’t lose any money, but had massive opportunity cost.

  • Seven years ago, I made a horrendous investment in hindsight. I received a very expensive tuition

  • Courses, webinars, seminars, conferences, summits, books, newsletters and coaching.

  • Physiotherapy, online education, short-term hospitality, profit sharing therapy, real estate holding and property management

What Makes Robin Different?

Outside of clinical practice, I have spent my career expanding my investment knowledge base, centered on achieving financial independence before I turn 40.

Bold, I know!

I am not a trained or certified financial professional.

I am an amateur investor, not an expert by any means, as a result, this allows me to grow, learn, and better myself continually.

Experts can have a tendency to be comfortable and complacent with their knowledge base, sit back and ‘mail it in’ with their careers.

You will not get that from me or my educational material.

The mission is twofold;

  1. To empower you on the options available so that you can take control of your life while limiting mistakes by learning from my experience.

  2. To create a platform that will not only directly benefit you but indirectly provide goodwill to the charity we support.

As Heard On

  • Jane

  • Forbes Vetted

  • Athlete's Care

  • Western University

  • University of Toronto

  • McMaster University

  • Embodia

    Embodia

  • PT Coffeecast

  • NF & L PA

  • P.E.I. PA

  • N.B PA

  • Bolton Physio

  • Foundation Physio

  • Mentorship Bootcamp

  • Nova Scotia Physiotherapy Association

    NSPA

  • Propel Physiotherapy

    Propel Physiotherapy

  • Alberta AP

  • Defy Sports Performance

    Defy Sports Performance

Testimonials

“Robin has a focused, systematic approach to teaching health care professionals about financial management. He works with you to identify your problem areas and then shows you the right tools needed to improve them. Robin is the right person to help you plan for your goals and success. ”

-Eric O. Physiotherapist, Clinic Owner

“I have taken Robin’s beginner course and have attended a few of his live webinars through Embodia and can easily say I have been able to come away with key action points that I have been able to incorporate into my day to day life. As a new grad PT I feel that this information is critical for everyone starting out. Financial literacy is simply not taught in our educational systems and Robin’s content helps to provide you the framework for financial independence.”

-Will H. Physiotherapist

“Robin is knowledgeable and has a real passion for learning about personal finance and investing in an evidence-based manner. He loves the fundamental concept of compounding and is always seeking ways to let assets do the hard work.

Most importantly, he’ll take the time to learn about you and offer genuine and personalized tips. “

Brian K. MD, PhD

“It was an absolute pleasure taking Robin’s courses through the Financially Fulfilled Physio website. Robin has done an excellent job of educating himself to a level that though he deems himself not an expert, is definitely worthy of that title. As Physios, we often are taught to be great caregivers to others, however, we can often neglect ourselves when it comes to planning for the future. Robin’s courses do an excellent job of covering an array of financial topics that will help you gain a broader perspective about how some simple game planning can make big changes for your financial future. These courses are a must take for any practitioner looking to set themselves up so they can have more time to live the life they want on their terms”

Dave Leyland, Owner, Coast Performance Rehab

“I am thankful to have stumbled on this course. Some background, I am just finishing my surgical training and beginning to climb out of debt and have some disposable income. I needed a course that laid out the foundations for me. This course delivered on that. I have since taken advantage of some one on one time with Robin which has further solidified some of the concepts and allowed me to take some tangible action towards my own financial situation. I am extremely grateful for that. Robin is clearly knowledgeable and very approachable which made the process worthwhile and seamless.”

Nick P, Surgical Resident, MD.

“After only working with Robin for 6 months, I have gained the knowledge to be able to direct my investments with a specific plan, and have successfully purchased our first investment property (which prior to working with Robin wasn’t even on our radar). Robin’s enthusiasm and passion for the topic is infectious and makes it easy to get passionate about planning for the future, and putting strategies into action. I have been able to utilize systems to plan for our future (for my wife and young daughter) that I didn’t even know existed, and I fully attribute those successes to working with Robin. If you are a health professional who is generally uneducated in financial literacy but want to start setting yourself up for the future, I strongly recommend working with Robin Valadares”.

Ben. M, Clinic Owner

“Before taking the beginner course, I found myself nervous and hesitant when it came to my personal finances. Many of the concepts that Robin covers off are not talked about through the traditional education process, and somehow we are just expected to “figure it out” as students or even as young professionals. The actionable goal setting, tax planning and investment strategies covered off are invaluable and have already allowed me to improve my financial/family future in a short period of time. All of the topics covered were relevant and presented in a clear way. I am very much looking forward to taking the intermediate course in the near future. Money well spent - Thank you Robin! “

Jordan V. MHK - Master of Human Kinetics in Sport Management; BPHE/BAH