About Us


My name is Serguei Totrov. I’m a Mortgage Broker and Financial Advisor. I came to Canada in the beginning of 1997 and almost immediately decided to work in financial industry, because back in Russia my education background was in Economics and Finance. In 1984 I graduated from Moscow University of Management with a degree in “Organization of Production Management”.

From 1997 through to 2000 I worked with “Clarica” insurance company. I decided that working for just one company is not right, because no single company can offer the best product in every sector, at the end of year 2000 I began to work as an independent Financial Consultant.

This is when I began to work with my first assistant, Svetlana. I believe that our office came into existence when I was no longer working by myself.

Therefore, our company “Financial Services – Serguei Totrov” was established in December of 2000 and offers services in different financial fields. We are licensed to create contracts with insurance, investment companies, banks and financial institutions.

I have completed a three-year course “Certified Financial Planner”, main purpose of which is to provide a full picture of financial planning for a family: all types and variations of insurance, investments, pension planning, government pension plans, taxation and different options to save money for children’s education, as well as many other topics. Of course, I continue my education and increase my qualification, to be able to assist you in making right decision in different financial situations.

In January of 2006, when in Canada it became officially permitted to combine Life Insurance License and Mortgage Broker License, we began to work with mortgages. This sector saw very fast growth and at the beginning of 2014 I opened a franchise – “Dominion Lending Mortgages – Your Mortgage Choice”.

Currently, apart from me, our office employs 14 people.



Reception, responsible for overall office work. reception@totrov.com



Responsible for working with insurance contracts: Life, Critical Illness, Disability Insurance, Group and Individual Health Benefits. life@totrov.com



Helping our clients with Visitors and Travel Insurance. travel@totrov.com



Responsible for clients data base, newsletters and offer Visitors and Travel Insurance. insurance@totrov.com



Works with RRSP, TFSA, RESP and open investment. investment@totrov.com



Assists with investment, RRSP, RESP and TFSA. trading@totrov.com



IInternal Underwriter, fully responsible for working with mortgages. office@totrov.com



Works with private mortgages and responsible for the property appraisal process. contact@totrov.com



Works with mortgages, responsible for overseeing files from beginning to the closing. financing@totrov.com



Works with mortgages, responsible for overseeing files from beginning to the closing. refinance@totrov.com



Works with mortgages, responsible for overseeing files from beginning to the closing. mortgage@totrov.com



Works with mortgages, responsible for overseeing files from beginning to the closing. mail@totrov.com



Works with mortgages, responsible for overseeing files from beginning to the closing. MortgageApproval@totrov.com



Works with mortgages, Internal Compliance Officer. support@totrov.com


1979-1984 Moscow University of Management
1997 Life Insurance and Disability Licence, Level 1
1999 Life Insurance and Disability Licence, Level 11
1999 Mutual Fund Course
2002 The Labour Sponsored Investment Funds Course
2001-2003 Passed 6 exams and received designation Certified Financial Planner Course (CFP)
2004 Passed final CFP Course exam and received corresponding licence
Qualified as a member of a MDRT (“Million Dollar Round Table”), which is the most prestigious organization for all insurance brokers around the world.
2006 Mortgage Agent Licence #M08009914.
2007 Canadian Securities Course.
2008 Enhanced Taxation Course, as part of CLU program (Certified Life Underwriter).
2009 Mortgage Broker License; AMP – Accredited Mortgage Professional Certificate.
2010 Law in Canada Course, as part of CLU program (Certified Life Underwriter).
2012 Estate Planning, as part of CLU program (Chartered Life Underwriter).
2012 Now I hold CLU designation (Chartered Life Underwriter).
2014 Opened new Independent owned and operated franchise “Dominion Lending Centres – Your Mortgage Choice” from the biggest mortgage brokerage “Dominion Lending Centres”.
Among 11 thousand mortgage brokers and agents registered in Canada magazine Canadian Mortgage Professional (CMP) conducts an annual questionnaire of all agents and brokers regarding the volume of individual business, registered through the banks. The results of this questionnaire are transferred into a list of 75 most active brokerages in the country – TOP-75 Mortgage Brokers.
2018 Completed special course and received an additional designation EPC (Elder Planning Counselor). ( I can help you to become acquainted with all aspects of aging, along with resolving some challenges after retirement.)
2020-2022 Continue taking courses for new Canadian designation – PFA (Professional Financial Advisor). This is a two-year program that consists of 4 courses.
2015-2021 ТОР 75 Mortgage Broker in Canada.