Important Disclosure: Pedro Diaz Ramos is a Mutual Fund Representative with Wealthforce Inc. Mutual fund products and services are offered through Wealthforce Inc.

Iron Trust Financial

A trade name used by Pedro Diaz Ramos, Dealing Representative with Wealthforce Inc.

Wealthforce Inc.

Mutual Fund Dealer

PEDRO DIAZ RAMOS

Insurance Advisor

Mutual Funds Representative

Life, Health, Group Benefits & Investments

Advice You Can Trust

Helping Canadians protect their families and future with clarity and transparency.

Why Work With Me?

Personal Approach

I strive to understand each client's specific needs without using a cookie-cutter approach

Expert Advice

Years of experience have made me an expert in helping clients find the right solutions

Suitable Solutions

Recommendations from a variety of carriers and providers based on your objectives and needs

Your Privacy Matters

Consultations are always private and confidential. I don't sell or share your information, ever

Easy to Reach

Whatever your needs are, I am always one phone call away, even after business hours

Fully Digital

I am fully equipped to fully serve you virtually and handle all business paperlessly

Independent, Yet Connected to Canada’s Leading Insurance Carriers

Independence means choice, and choice means finding the right solution for you. I work with a range of recognized insurance and investment companies across Canada to help match your goals with the right coverage.

3 Reasons To Work With a Broker

A broker’s job is simple: to guide you, protect your interests, and make sure you never have to guess which option is right for you.

Brokers Work for You

A broker represents you, not the insurance companies.
My job is to act in your best interest, helping you find the right coverage, not sell one company’s product

No Extra Cost

Working with a broker doesn’t cost more. You get the same rates as going directly to an insurer, plus independent advice and personal support.

Unbiased Advice

Brokers work with multiple insurance providers, offering objective advice and clear comparisons to help you choose confidently.

My Services

Life Insurance

Whether you’re looking to protect your mortgage, replace your income, or plan for final expenses, life insurance provides essential protection for your loved ones and long-term peace of mind. Options include term, whole life, and universal coverage, each designed to fit different needs and goals.

Critical Illness & Disability Insurance

An unexpected illness or injury can affect more than your health it can impact your income and lifestyle. Critical illness and disability coverage help you stay financially secure through recovery, providing lump-sum or ongoing benefits when you need them most.

Legacy Planning

Leave a lasting impact by transferring wealth efficiently and in line with your wishes. Whether it’s through life insurance, segregated funds, or charitable giving strategies, legacy planning helps ensure your loved ones and causes you care about are supported for generations to come.

Travel Insurance

Whether you’re traveling abroad, visiting Canada, or applying for a Super Visa, the right coverage helps protect against medical emergencies and unexpected costs. Flexible plans provide peace of mind for you and your loved ones, wherever your journey takes you.

Savings & Investments ⁴

Whether you’re saving for retirement, education, or building wealth, I can help you choose the right mix of accounts and investment options. From TFSAs, RRSPs, and RESPs to segregated and mutual funds^1,4, we’ll structure a plan to help your savings grow.

Group Benefits & Business Solutions

Attract talent, and protect your business with customizable employee benefit plans. From health and dental coverage to business-owned insurance, solutions can be tailored to fit your company’s size and objectives.

Want to explore your options?

Meet Pedro

I’m a Mutual Fund Representative with Wealthforce Inc. and Independent Insurance Broker² based in Markham, Ontario, serving clients across Ontario, Alberta, and British Columbia. Since 2015, I’ve helped individuals, families, and business owners build financial protection and investment strategies that are clear, practical, and designed around their long-term goals.

I chose to work independently because I believe good advice should always start with understanding your goals, not a product. My focus is to provide straightforward, unbiased guidance so you can make informed financial decisions with confidence.

Whether you’re protecting your family, planning for retirement, or managing a business, my process is built around simplicity and transparency. I take the time to explain every step so you understand your options before making a decision.

“Financial planning doesn’t have to be complicated;

it just has to be honest.”

TESTIMONIALS

What clients are saying

"Honest and reliable"

"Pedro has been a valued financial advisor. I have known him to be an honest and reliable person who guides and provide information with significant knowledge. I appreciate the time he has spent answering my questions. Best wishes for success!"

- Martha S.

"Professional service"

"Professional service. The interviews were helpful in choosing the right policy for our case. This broker is always a click away to answer questions or provide more information."

- William C.

"Very helpful and diligent"

"Pedro was very helpful and diligent in our process of getting our first life insurance. He answered all our questions and guide us to get the best option. I am sure this won’t be the last time we work together"

- Adriana B.

What To Expect When Working With Me

A Simple, Transparent Process

From the initial consultation to implementation, every step is designed to help you make informed decisions with confidence.

01

Initial Consultation

We begin with a conversation about your goals, priorities, and current situation to determine how I can best help.

02

Needs Analysis

Together, we'll evaluate the financial risks and objectives that matter most to you and your family before discussing any recommendations.

03

Review Your Options

You'll receive clear explanations and personalized recommendations, allowing you to compare your options and make an informed decision.

04

Implementation & Ongoing Support

Once you're ready to move forward, I'll guide you through the process and remain available for future reviews, questions, and updates.

Important Regulatory Disclosures

Dealer Relationship
- Pedro Diaz Ramos provides mutual fund services as a Mutual Fund Representative with Wealthforce Inc., a member of the Canadian Investment Regulatory Organization (CIRO)
Insurance Business
- Pedro also provides life and health insurance services through approved insurance agencies and conducts separate tax preparation services through Iron Trust Financial.
- Insurance products are offered through approved insurance agencies, including contracted MGAs and insurance providers.
Separate Entities
- Insurance services, tax services, and mutual fund services are provided through different legal entities and are subject to different regulatory requirements.
- Tax preparation services are provided through Iron Trust Financial and are not offered through Wealthforce Inc.
- Wealthforce Inc. is not responsible for insurance or tax services provided outside of its dealer relationship.
Investments Disclosure
- Registered plans may hold a variety of investment products. Mutual fund investments are distributed through Wealthforce Inc.
- Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Complaints
- Clients with concerns regarding mutual fund services may contact Wealthforce Inc. directly.