Pho’s product expertise spans far beyond investing. In the market for a fridge? Talk to Pho first and expect a full rundown, from how to get the best deal to what to watch out for. Same applies to jeans or home alarm systems or cars or watches – you name it, Pho has already researched it. We appreciate his keen eye and elegant style, which is why he’s also our “pho”tographer and fashion critic on top of his relationship manager responsibilities. Pho graduated from Western University with a BA in Economics and has completed the IFC and CSC courses. We met him at the “old shop” where he worked for nine years, first in client relations and then in sales.