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Meet our team
Learn about what makes us different, meet our team and how we’re guiding Canadians to take control of their debt, reduce stress, and work towards financial security.
Who we are
This is what makes our team
so great!
Living with overwhelming debt can feel like an unbearable weight, leaving you unsure of where to turn to for help. At Bromwich+Smith, we understand how challenging this can be, and we’re here to provide the support you deserve. We help clients navigate their toughest financial challenges with compassion, honesty, integrity and transparency every step of the way.
- Experienced, licensed and trusted by tens of thousands of Canadians since 2002
- Proven solutions that can get you out of debt fast
- Personalized approach that is tailored to your unique financial situation
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Why consult with our Licensed Insolvency Trustees?
Best advice
We provide unbiased, non-judgmental, pressure-free advice. Initial consultations are always free.
Licensed and regulated
Licensed Insolvency Trustees are the only professionals authorized to file legally binding debt relief solutions. Regulation by the federal government ensures the highest standards of professional practice, including strict management of fees.
Empathetic and non-judgmental
Our Licensed Insolvency Trustees provide a supportive, non-judgmental space, grounded in empathy as we understand the emotional toll of financial distress. We simplify the process for clients to move confidently toward financial recovery.
Experts in debt relief
You will get advice that comes from a highly trained professional, licensed by the Office of the Superintendent of Bankruptcy. Our Licensed Insolvency Trustees are uniquely qualified to help you find the best debt relief solution.
Supporting your debt relief journey
Meet our team
Our Licensed Insolvency Trustees and insolvency advisors can guide you through your toughest financial challenges, always prioritizing your needs. Our honest and realistic advice can prepare you for the road ahead and help you build the confidence to take control of your debt. We’re dedicated to helping Canadians achieve a brighter financial future. Give us a call – we’ll help you take the first step to living debt free.
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Matt Munro
CPA, CGA, CIRP, LIT
Chief Insolvency Advisor
After more than 20 years, Matt enjoys assisting Canadians with identifying and implementing solutions to deal with their financial difficulties.
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Karen Adler
BEd, CIRP, LIT
Director, Insolvency
With over 15 years as a Licensed Insolvency Trustee, Karen has guided individuals in financial difficulty with respect, dignity, and transparency. She is dedicated to enhancing the ways in which we support clients on the path to a debt-free future.
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Bonnie Bryan
CIRP, LIT
Licensed Insolvency Trustee
For over 45 years, Bonnie has been helping individuals and businesses get on the road to financial stability. Bonnie brings a non-judgmental, caring, knowledgeable and empathetic perspective to each situation. She cares about having a positive impact on the lives of others and making a difference in her community through volunteerism.
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Adam Rauf
BSc., BEd, OCT, CIRP, LIT
Licensed Insolvency Trustee
Adam is an accomplished and committed Licensed Insolvency Trustee. Adam takes a flexible and accommodating approach to service his clients and ensures clients feel comfortable and confident in their decisions to address their financial challenges.
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Kate Maj
MBA, CIRP, LIT
Licensed Insolvency Trustee
Building on a degree in family finance and consumer studies, Kate was licensed as a trustee in 1998 and has worked in the insolvency industry for over three decades. She takes great satisfaction in extending a non-judgmental helping hand to individuals to assist them in improving their financial literacy and, gain control of their lives again.
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Krista Asher
CIRP, LIT
Licensed Insolvency Trustee
With over 20 years of experience in the industry, Krista has a very empathetic approach and is committed to helping individuals explore all their options when it comes to dealing with financial difficulties and help them make an informed decision. Krista helps individuals see the possibilities of a debt-free future.
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Elizabeth Tait
LIT
Licensed Insolvency Trustee
With 30 years of experience, Liz recognizes that getting out of debt is a conscious choice that people make to help themselves. Liz takes a practical and direct approach to helping individuals address their debt challenges, empowering them to make informed decisions.
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Melody Desmarais
CIRP, LIT
Licensed Insolvency Trustee
Melody believes in assisting individuals to find appropriate debt solutions. She is passionate about ensuring individuals have the information necessary to make informed decisions about the debt options available to them. She is dedicated and will work hard to address all your personal bankruptcy and consumer proposal questions.
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Paul Franchi
LL.B, MBA, CIRP, LIT
Licensed Insolvency Trustee
A driven professional who is passionate about helping individuals get a fresh start and equally excited to roll up his sleeves to tackle the most difficult financial situations, offering creative solutions and forward-thinking guidance to address any financial concern.
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Paul Jackson
BA, CIRP, LIT
Licensed Insolvency Trustee
After more than a decade in the insolvency industry, Paul is keenly aware that compassion and understanding are required to find the best outcome for each person’s debt relief journey. This opportunity to help Canadians, and their families, recover from debt and move forward is what drives Paul in his insolvency work.
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Rick Hamilton
CPA, CMA, CIRP, LIT
Licensed Insolvency Trustee
With over 27 years of experience as a professional accountant and trustee specializing in both commercial and personal insolvency, Rick is committed to delivering innovative, practical, and timely solutions to help Canadians overcome their financial challenges.
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Vannessa Zral
CIRP, LIT
Licensed Insolvency Trustee
Vanessa enjoys being a Licensed Insolvency Trustee because it allows her to support people through difficult financial situations with trusted guidance. By offering clear options like bankruptcy or consumer proposals, Vanessa helps clients regain control of their financial future while fostering hope and confidence throughout the process.
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Vicki J. Doell
CIRP, LIT
Licensed Insolvency Trustee
Vicki works with individuals and families offering a non-judgmental approach, guiding them through the process of overcoming personal debt challenges. She believes everyone deserves a fresh start and an opportunity to improve their financial wellbeing.
We’re hiring!
Come work with us. We are always looking to add caring, trustworthy and accountable people to our team.
The people who work at Bromwich+Smith are kind, compassionate and hard working. My opinions and ideas are encouraged through working groups and meetings with my team. I feel supported by my direct team and throughout the company.”
The people who succeed at Bromwich+Smith are those who think outside of the box and enjoy connecting with and helping others. The people I work with want to see me succeed, and I feel encouraged in my role. I want to grow with Bromwich+Smith and learn more.”
Expert debt relief
Accredited insolvency advisors with over 20 years of experience and Canada-wide service.
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Questions answered
FAQs
Your answers to commonly asked questions about working with a Licensed Insolvency Trustee
Who does a Licensed Insolvency Trustee work for?
A Licensed Insolvency Trustee has a duty to all parties involved in an insolvency proceeding, including you, your creditors, the regulatory body that oversees insolvency in Canada (the Office of the Superintendent of Bankruptcy) and the Court. Essentially the Trustee doesn’t work for just one specific party but are obligated to make sure that all interests are fair for all parties. There are Codes of Ethics for trustees outlined in the Bankruptcy and Insolvency Act that requires them to be “not prejudiced to any particular party… be fair and unbiased…”
How does a Licensed Insolvency Trustee get paid?
Fees for Licensed Insolvency Trustee services for bankruptcy and consumer proposal are highly regulated and set by the government tariffs. Trustees cannot select their own fees or rates and are calculated and drawn from the funds a debtor has paid into each individual bankruptcy estate or consumer proposal. This regulated approach ensures the costs of LIT services are the same, regardless of the firm you select.
What are the key benefits in working with a Licensed Insolvency Trustee?
Trustees are licensed professionals who have the expertise and experience to help you overcome financial difficulty and reduce your debt. Additionally, key benefits include:
- Fair and unbiased solutions. We don’t judge you nor do we judge the amount of your debt. A Licensed Insolvency Trustee can work with you to find a debt relief option that you can afford
- Assistance with determining the best debt relief option to get you out of debt fast
- Expert advice and knowledgeable support to fix your debt problem
- We stop collection emails, letters, harassing phone calls, and service interruptions
We’re here to help
Contact us
Managing debt can be difficult, but we’re here to help. Our insolvency advisors can show you your options and help you choose the best plan for you.
Start a live chat
Chat live with an insolvency advisor during the following hours: Mon–Thurs: 6:30am–8:00pm, Fri: 6:30am–5:00pm, Sat: 8:00am–5:00pm, MST.