INCOME.ca started with one simple goal. We wanted to make the world of financial choices in Canada easy to understand. We set out to empower Canadians to make informed financial decisions.

We decided to share the best advice, reviews, and tools related to Income for Canadians. The content on this website and our newsletter are for a Canadian audience. All authors qualify as expert researchers and/or financial experts.


Randy Charach, Editor in Chief
Entrepreneur, investor, financier, author and artist. Born in Vancouver, Randy started his first business at the age of 12. Randy has balanced his work as an actor, producer, and entertainer. He has proven success as an income earner, builder, and preserver of wealth. Randy is the author of the book ‘Client Centric’ and several other books.

Chana Charach, MB, Managing Editor
Born and raised in Vancouver, Chana is certified as a Mortgage Broker with the Mortgage Broker Institute of British Columbia. She is a member in good standing with the Canadian Mortgage Brokers Association (CMBA); an organization focused on supporting and enhancing professionalism and ethical standards in the mortgage industry.

Scott Norlund

Scott Nordlund, MA, Researcher and Writer
Scott earned his Masters Degree in Political Science from Carleton University.  He is a dedicated financial writer and our lead researcher here at INCOME.ca. He is also adept in Fintech and Blockchain technologies. 
Scott is proud to call Ottawa, Ontario his home.

Kelly Dilworth, BA, Journalist and Writer
Kelly focuses on the balance between finances and personal goals. She has authored hundreds of articles which have been syndicated by major media outlets. She covers a range of popular finance topics, including consumer credit and debt, banking, credit cards, and credit scoring. Kelly currently lives in Toronto, Ontario.

Sean Cooper, Personal Finance Journalist
Sean’s articles have been featured in publications such as the Toronto StarGlobe and MailFinancial Post. He makes regular appearances on national radio and television shows to discuss personal finance, real estate, mortgages, pensions, and retirement planning. Sean lives debt-free in Toronto, Ontario.

Jennifer Thompson, CFP, Money Coach, Author
After over twenty years of experience as a certified financial planner, Jennifer has found a passion for coaching and writing about money. Based on her work in various areas of banking and finance, she has authored several books. When not travelling, Jennifer writes and lives in beautiful Victoria, British Columbia

Ellen McKay, BA, Financial Analyst and Writer
Ellen has an honours BA in English from the University of Waterloo. She has several years of experience working for CIBC as a business analyst and technical writer. She is passionate about helping Canadians make the most of their personal finance choices. Ellen resides in Burlington, Ontario.

Marcus Brandt, BCom, CPA, CA, Tax Advisor
Marcus is a Chartered Professional Accountant. He provides assurance, accounting, taxation and business advisory services across several industries. His specialties include professional and financial services, real estate, retirement, and technology. Marcus lives in Vancouver, British Columbia

Dorathy Gass, Corporate Communications
Dorathy is a full-time writer. Her work is published in the Huffington Post and many other prominent media outlets. With years of experience in the corporate communications departments of RBC Financial Group and TELUS, she is well suited to write for the readers of INCOME.ca. Dorathy writes and lives in Newcastle, Ontario.

Ivan Boychuk, Financial Sector Writer
Ivan has a knack for creating in-depth content for the financial sector. He specializes in emerging financial technologies, personal finance, money, and investing. He also is an in-demand content marketer. Ivan currently resides in Cold Lake, Alberta.

Ross Johnston, BA, Investment Writer
Ross has a BA from the University of Toronto. He his a financial writer who helps Canadians develop new sources of income from their home. He covers an array of investing topics, including emerging technologies. Ross writes and lives in Elliot Lake, Ontario.

Chris Keenan, BA, Communications Specialist
Chris is a former Journalist and a full-time writer whose work has appeared in Benefits Canada, HR Professional Magazine, Canadian HR Reporter, and more. He has a passion for helping Canadians understand personal finance, compensation, insurance, and benefits. Chris lives in Burlington, Ontario.


We have researched and tested many financial products and services In Canada.

At INCOME.ca we share our findings and expand on financial options to suit your individual needs. Guest contributors are hand selected experts in their specific field of personal finance. 

The content on this site is compiled and edited by Randy and Chana Charach. We ensure it meets the highest quality standards. We employ a variety of freelance expert writers. Not a word is published without approval from management. We ensure all information we publish is accurate and presented in its simplest form.

We recommend and review the type of products we use personally. We understand that every individual has a specific set of needs and resources. When applicable, we may share our personal preferences. This commentary is based on our philosophies and will not limit or bias the choices we provide you with. All viable options with fair comparisons and unbiased reviews will accompany any commentary we may provide.


INCOME.ca may earn compensation directly or through affiliate income. This in no way influences or limits our recommendations and comparisons. The sustainability of this site depends on our relationship with our visitors. We grow the more often you visit, the longer you stay, and the actions you take based on our recommendations. It is in our best financial interest to provide you with the quality of content you can take to the bank. Sorry, the performer in me couldn’t resist the pun. Your success is our success. It’s so Canadian!


The main reason you would want to be here is so you can dramatically improve how you manage the earning, saving and spending of your income. And…

You can simplify your personal financial and entrepreneurial decisions in an educated way.

If you relate to the following statements, you will benefit from the content on this site:

  • You want unbiased comparisons of financial products such as credit cards, insurance, and bank accounts.
  • You want expert advice on matters related to earning and preserving income, borrowing funds, and investing.
  • You want tips and tools to help make your financial decision faster, easier and more precise.
  • You want a place to find current and reliable information specific to your particular needs and desires.

If this makes sense to you, we look forward to having you further explore INCOME.ca.

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