Matthew Hines

I believe the best decisions are made when people truly understand their options.

For more than two decades, I've worked at the intersection of finance, business strategy and education, helping homeowners, professionals and business owners simplify complex decisions and move forward with confidence.

Although I'm best known for my work in reverse mortgages and retirement home equity planning, my broader passion is helping people make better financial and business decisions through clear thinking, practical education and well-designed systems.

I'm the co-author of The Canada Reverse Mortgage Guideand co-creator of The Protected HELOC Approach®, a retirement-focused home equity strategy developed to help qualifying homeowners think differently about accessing and preserving home equity. I'm also co-authoring The Lemming Effect, a book exploring why people often follow conventional financial thinking—and how asking better questions can lead to better decisions.

Beyond financial services, I enjoy building businesses, developing digital systems and exploring how artificial intelligence can improve communication, education and decision-making. Whether I'm advising a homeowner, speaking with professionals or designing new tools, my goal is always the same: simplify complexity, encourage independent thinking and create practical solutions that make a meaningful difference.

If you're interested in reverse mortgages, home equity strategy, business systems, AI or simply enjoy thoughtful conversations about solving complex problems, I'd be pleased to connect.

📞 647-372-0762 📞 416-908-2070🌐 canadareversemortgageguide.ca 🌐 theprotectedheloc.ca 🌐 homeequityfreedom.ca