How We Approach Money Differently
Back in 2019, I noticed something strange. People would ask me about investments, but the real issue wasn't which stocks to pick. It was how they thought about money in the first place.
Most financial education focuses on tactics and products. But tactics don't help much if your relationship with money is built on fear or confusion. That's where Pynar Xvoux started.
We work with Canadians who want to think differently about building wealth. Not shortcuts or quick wins. Just a clearer way to understand what you're actually doing with your resources.
What Drives Our Work
These principles shape how we teach and the kind of results our clients tend to see over time.
Mindset Before Methods
You can learn a hundred strategies, but if your mental framework around money is shaky, nothing sticks. We spend real time on how you see risk, growth, and financial decisions.
This isn't therapy. It's about identifying patterns that might be costing you opportunities or keeping you stuck in unproductive habits.
- Understanding your actual risk tolerance, not what you think it should be
- Recognizing cognitive biases that affect investment choices
- Building confidence through clarity rather than complexity
Context Over Cookie-Cutter Plans
A 28-year-old software developer in Toronto has different needs than a 52-year-old business owner in Calgary. Obvious, right? Yet so much financial advice pretends one approach fits everyone.
We look at your actual situation. Your income stability, your goals that might shift, your comfort with market volatility. Then we build something that makes sense for you specifically.
- Personalized education based on your current knowledge level
- Realistic timelines that account for life changes
- Flexibility to adjust as your circumstances evolve
Who You'll Work With
I'm Oskar Bjerke, and I've been coaching people through financial decisions since 2017. Started in Vancouver, now based near Edmonton.
Oskar Bjerke
Financial Coach & Investment EducatorMy background is a bit unusual for this field. I spent five years in behavioral economics research before moving into financial education. That experience showed me how often people make money decisions based on emotion rather than analysis.
What I enjoy most is watching someone's perspective shift. When they stop feeling overwhelmed by financial jargon and start seeing investment opportunities with clarity. That's the real breakthrough.
I work with about 40 clients at a time, mostly professionals in their 30s and 40s who are past the beginner stage but haven't quite figured out their long-term strategy yet. Some are dealing with inheritance decisions, others are planning business exits, a few are just tired of guessing.
Education Approach
I use case studies from real market situations rather than textbook examples. Helps people understand context and timing, not just theory.
What Makes This Different
Most coaching focuses on what to do. We spend more time on why certain approaches work and how to adapt them when conditions change.