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As a mortgage professional working closely with Canadian homeowners, I see the same pattern quite often. Rising costs, economic uncertainty, and the constant pressure of balancing mortgage payments with long-term planning leave many people feeling like they’re working hard, but not actually getting ahead.

What’s become clear to me is that traditional advice often oversimplifies things. Most people are told to pay off their mortgage first, and only then start investing. On paper, that sounds disciplined. In reality, it can mean missing years, or sometimes decades, of potential growth and tax efficiency.

That’s one of the reasons I became a Smith Manoeuvre Certified Professional™.

The strategy, when structured properly, allows homeowners to gradually convert non-deductible mortgage debt into tax-deductible investment debt without increasing their monthly cash flow burden. Intentional planning can result in a massive improvement in ones financial picture, but unfortunately this type of planning is not common enough.

What motivates me is helping clients see their mortgage differently. Your mortgage is typically your largest expense. With the right structure, it can also become one of your most powerful financial tools.

If you’re open to exploring whether this approach makes sense in your situation, I’d be happy to have that conversation.

-Jacob

Jacob Manishevitz, Mortgage Broker
Smith Manoeuvre Certified Professional™

The Smith Manoeuvre™

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In under 30 minutes, you'll discover a proven strategy that has helped thousands of Canadians become mortgage-free sooner while building significant investment wealth.

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Your Smith Manoeuvre Certified Professional™

Jacob Manishevitz

With a passion for sharing knowledge, continual growth and an innate sense of curiosity, Jacob Manishevitz grew up wanting to be an educator. His plan was to attend teacher’s college after completing his university degree, but when the corporate world came calling, he made a life-changing career leap that would see him migrate to the financial industry. We’re very fortunate that Jacob’s career path led him to Outline Financial where he currently works as a Mortgage Broker.

So how did it all begin? After graduating from the University of Toronto with a Bachelor’s degree in history and political science, Jacob was offered a role in corporate sales where he regularly interacted with C-suite executives across numerous companies. Being relatively young for the senior level role, Jacob quickly honed his communication skills and developed a knack for active listening that continues to serve him well.

While Jacob enjoyed business-to-business sales, his passion for educating and connecting directly with the end user, sparked his interest in business-to-consumer career opportunities. As fate would have it, a timely meeting with a C-Suite executive with deep banking experience suggested Jacob explore the mortgage industry.

After researching potential opportunities, Jacob was sold. Leveraging his experience in sales and customer service, Jacob quickly fell in love with the industry, meeting new people and learning about their goals for financial success. He also enjoyed educating his clients about their mortgage options and helping them understand the various products and solutions available. Jacob would go on to earn his mortgage broker’s qualification and license, and the rest, as they say, is history.