About me

From Caring for Patients to Caring for Financial Futures

My name is John JR Reyes, and I’m the founder of Centsible Start — a platform built to help Canadians, especially newcomers and working professionals, take control of their finances with confidence, clarity, and purpose.

After a decade in healthcare, I started my own healthcare staffing and support business, helping seniors and care facilities find trusted caregivers. Through that experience, I met countless professionals — nurses, caregivers, and families — who were earning well but still felt lost about money, savings, and retirement.

That realization became my turning point.

I transitioned into financial services, combining my healthcare background and passion for teaching to guide clients toward financial independence and early retirement — while making sure they have the right protection in place through insurance, investments, and proper planning.

About Centsible Start with JR

Empowering Canadians to Build a Financially Confident Future.

 

At Centsible Start with JR, we believe financial freedom begins with understanding — not complexity. Our mission is simple: to help you protect, grow, and enjoy your wealth through practical financial guidance that makes sense for real people.

Whether you’re a newcomer learning how to navigate the Canadian financial system, a professional preparing for retirement, or an entrepreneur launching a new business — we’re here to make your journey clear, actionable, and Centsible.

Centsible Start was founded by JR Reyes, a licensed life insurance advisor and financial coach based in British Columbia, Canada. With a background in healthcare, entrepreneurship, and financial planning, JR saw how many Canadians — especially immigrants and small business owners — struggled with the same question:

“Where do I start when it comes to money?”

So he created Centsible Start — a platform that bridges the gap between financial education and real-life application. Here, money talk isn’t intimidating — it’s empowering.

We believe in teaching first, selling second. Our process is built on education, transparency, and trust — helping you make informed financial choices with confidence. We take time to understand your story, your goals, and your challenges, then build a personalized roadmap to get you there — one step at a time.

What We Stand For

  • Clarity over confusion – We explain financial concepts in plain language.
  • Empowerment over pressure – You make the decisions; we guide with expertise.
  • Integrity over income – Every recommendation is rooted in your best interest.
  • Faith and trust – We believe that financial wisdom and stewardship go hand-in-hand.

Who We Serve

  • Newcomers to Canada looking to build financial stability and protection.
  • Young professionals planning for retirement and long-term growth.
  • Entrepreneurs who want to start, structure, and scale their businesses.
  • Families seeking peace of mind through life and health protection.