Miranda Jin

Marketing Associate

Miranda born and grew up in China, moving to Ontario to complete her high school study and obtained her Honours of Bachelor Math degree at University of Waterloo. Miranda was struggling with the snows in Ontario for a long time and finally decided to move to beautiful Vancouver in 2017.

Miranda started her career as an Operational Associate at Freedom 55 Financial in 2018. Presently, she works alongside Michael Etherington providing him with marketing & administration support and efficiently manages client questions and inquiries.

Miranda balances her work life with traveling and exploring different kind of cultures and traditions. Additionally, she enjoys trying delicious food around the world. Miranda believes in effective client communications by building a strong partnership with them.


Bruce W. Etherington, BA, CLU, CHFC, CFP

Mentor, Advisor, Entrepreneur, Speaker & Author

Born in Purley, Surrey, England, Bruce came to Canada at the age of two. He graduated from the University of Western Ontario in 1965 with a Bachelor of Arts in Economics and entered the life insurance business with London Life. He subsequently obtained his Chartered Life Underwriter (CLU), Chartered Financial Consultant (CHFC) and Certified Financial Planner (CFP) designations.

Bruce resides in Mississauga, Ontario with his wife of 45 years, Karen who was his “first date” and high school sweetheart. Bruce and Karen have three grown children: Michael, a graduate of the University of Oregon, married to Christine, parents to Caden and both Financial Planners with Etherington Financial Services inc. in Vancouver, B.C., Sarah, a graduate of Queen’s University and Capilano College, married to Dave and now a Montessori teacher and mom to Lucas and Hailey and Scarlet Rose in Vancouver and Jay, a graduate of the University of British Columbia and also a Financial Advisor with Freedom 55 in Vancouver B.C.

Bruce enjoys skiing, golfing, walking, tennis, fishing, cycling, reading, music, speaking, writing and selling!

A fully accredited financial planner with a specialty in life insurance, Bruce holds the CLU, CHFC and CFP designations. His firm, Bruce Etherington & Associates, specializes in family harmony and philanthropy and achieved the objective of creating $1 billion for charities and not-for-profits through the sale of Permanent Life Insurance in the first decade of this century.

A renowned speaker, Bruce has spoken to virtually every major insurance and financial planning organization in the world. He has appeared 18 times on the platform of the Million Dollar Round Table (MDRT), which is considered by many to be the preeminent sales organization in the insurance and financial planning industry. His books “See The People” and “Reflect and Prepare” are international bestsellers, as are his recordings (tapes and CDs) which continue to change the lives of salespeople around the world.

For more information on Bruce, visit his website at


Patricia Carlos

Insurance Consultant

Great-West Life & London Life

Patricia Carlos is an Insurance Consultant with Great-West Life and London Life. Patricia first joined Great-West Life in 2009 as a Living Benefits Specialist providing financial advisors with product, planning and taxation advice. In 2011 she was promoted to Advanced Sales Manager and in 2013 took on the role of Insurance Consultant expanding her advisory duties to include life insurance. Patricia is dedicated to assisting financial advisors build the best possible risk management solutions for their clients.

Patricia has a B.A. from the University of British Columbia and is a Chartered Health Specialist.


Steve Fooks , CFP, CHS, BBA

Insurance Sales Consultant

Steve began insurance career with London Life in 1992 after graduating with a business degree from Wilfrid Laurier University. After successfully building his practice for several years in Ontario, Steve was given the opportunity to move to Vancouver as the vice-president of a technology company. Eight years working with fledgling technology companies was enough to bring him back into the financial planning industry as a trainer and eventually an insurance consultant. Working directly with advisors, Steve creates tailor made risk management strategies as unique as the individuals they are designed to benefit.

Steve is a Certified Financial Planner and a Certified Health Insurance Specialist and also a Certified Executive Coach from Royal Roads University. In addition to his role at GWL Steve teaches Financial Planning courses through Ashton College.