Built From Experience: Why I Co-Founded BRX

By Josh Byrnes, Co-Founder of BRX Wealth Solutions

For me, BRX isn't the result of having everything figured out.

It's the result of wanting to.

I'm 22 years old, and like many people, I grew up believing financial stress was simply part of life. My parents were open with me about money, debt, and the reality of living paycheque to paycheque. As a kid, I thought that was just what adulthood looked like: you worked, got paid, paid your bills, carried some debt, and repeated the cycle.

When I started earning my own income, I wasn't much different.

I could spend money just as quickly as I made it. Fast food, toys, quads, sleds—whatever caught my attention. I was earning money, but I wasn't building anything with it.

Looking back, I didn't yet understand the difference between earning an income and building wealth.

Discovering a Different Way to Think About Money

Everything began to change when I discovered entrepreneurship.

The idea that you could build something of your own, create opportunities, take greater control of your future, and use ownership to create freedom completely changed the way I thought about money and life.

I became fascinated by how businesses were built, how investments worked, how people acquired assets, and how wealth was created over time.

That curiosity quickly became an obsession.

I immersed myself in books, podcasts, research, business, investing, real estate, and personal finance. But eventually, I learned something even more important:

Knowledge alone isn't enough. You have to put it into practice.

So I started building.

And I failed.

More than once.

I tried ideas that didn't work. I made decisions I'd make differently today. I changed directions, learned from my mistakes, and kept moving forward.

Every setback became part of my education.

Over time, I realized some of the greatest lessons don't come from reading about someone else's success. They come from experiencing failure, adapting, and being willing to try again.

Money Is Something You Need to Understand

As I continued learning, nearly everything I was studying came back to one idea:

Money isn't just something you earn. It's something you need to understand.

How you protect it.

How you manage it.

How you invest it.

And how you use it to build businesses, acquire assets, and create opportunities.

That realization eventually led me into financial consulting.

Today, I'm a licensed Life and Accident & Sickness Insurance Broker and Financial Consultant. I work with individuals, families, and business owners to help them better understand their financial picture and make informed decisions with confidence.

Whether it's protecting income, planning for retirement, investing, managing risk, or building a stronger financial foundation, I believe financial decisions should support a person's larger goals—not exist in isolation.

I'm not interested in simply recommending products.

I'm interested in understanding people.

Everyone's situation is different. My role is to help connect the pieces, identify opportunities, and build strategies that make sense for where someone is today and where they want to go tomorrow.

Why We Built BRX

Together with my business partner, Mathieu Reay, I co-founded BRX with a vision that extends beyond traditional financial consulting.

Financial consulting is where BRX begins, but it isn't where we believe the story ends.

We see BRX becoming a headquarters for building businesses, acquiring assets, investing capital, and creating long-term value—a company built around ownership, entrepreneurship, and financial education.

As BRX grows, we want to document that journey.

The businesses we build. The investments we make. The opportunities we pursue. The lessons we learn. And, just as importantly, the mistakes we make along the way.

One of the principles behind BRX is simple:

Document, don't pretend.

We're not here to claim we've mastered wealth creation or discovered some secret formula.

We're here to build something meaningful, learn through real experience, and bring people along for the journey.

This Is Only the Beginning

I'm still early in my career.

I'm still learning.

I'm still building.

And I'm proud of that.

I believe some of the most valuable lessons come from being willing to ask questions, take action, admit when something didn't work, and never stop improving.

If sharing that journey helps someone understand their money differently, build a stronger financial foundation, or recognize opportunities they didn't think were possible, then BRX is accomplishing exactly what it was created to do.

This is only the beginning.

Built to Build: Why I Co-Founded BRX.

By Mathieu Reay, Co-Founder of BRX Wealth Solutions

Entrepreneurship has never been a hobby for me.

It has always been the direction I've chosen.

From a young age, I was driven by the idea of building something meaningful. That drive led me to create and grow businesses, learn through experience, take calculated risks, and develop a deeper understanding of how wealth can be created, protected, and passed on.

Every success, setback, and lesson became part of the foundation that eventually led me to BRX.

From Entrepreneurship to Wealth Consulting

Today, I'm the founder of Chip Fever, a growing restaurant brand, as well as a licensed Wealth Consultant.

Through years of operating businesses, managing teams, investing, and working alongside financial professionals, I've learned something important about the way people approach their finances.

Most people aren't looking for someone to simply sell them a product.

They're looking for someone they can trust to help them make better financial decisions.

That philosophy is a big part of why we created BRX.

At BRX Wealth Solutions, we believe every person's financial journey is different. There isn't a single strategy that works for everyone.

Someone might be starting their career. Someone else might be growing a business, purchasing a home, protecting their family, preparing for retirement, or thinking about how to build wealth that lasts beyond their own lifetime.

Whatever the situation, I believe the conversation should always begin in the same place:

Understanding the person before recommending the solution.

Making Financial Decisions Simpler

My role is to help simplify decisions.

I work closely with clients to understand where they are today, where they want to be tomorrow, and what strategy can help connect those two points.

Sometimes that means discussing insurance or investments. Other times, the conversation might involve debt management, business planning, real estate opportunities, or simply having an experienced second opinion before making an important financial decision.

The solution may change.

The goal doesn't: helping people make informed decisions with greater confidence.

The Value of Doing the Work

One of the values I hold closest is hard work.

I've always believed there's no substitute for showing up, putting in the effort, and doing the work when no one is watching.

Success isn't built overnight, and it isn't handed to anyone.

It's earned through consistency, discipline, and a willingness to keep moving forward—even when the outcome isn't guaranteed.

I bring that same mindset into every client relationship.

The best strategies don't come from assumptions. They come from putting in the work to understand someone's goals, circumstances, challenges, and opportunities, then building around what actually makes sense for them.

Relationships, Not Transactions

BRX is built on relationships, not transactions.

My goal isn't to be someone you speak to once. It's to become a trusted resource you can rely on as your life, business, priorities, and ambitions evolve.

Because financial planning isn't only about money.

It's about creating opportunities.

It's about protecting what you've built.

And it's about giving yourself greater freedom to pursue the future you want.

Outside of consulting, I'm passionate about entrepreneurship, business development, real estate, investing, and documenting what it actually takes to build companies from the ground up.

I believe growth comes from continually learning, surrounding yourself with great people, and never becoming too comfortable standing still.

Building Beyond Today

The vision for BRX extends beyond traditional financial consulting.

We're building a company designed to help individuals, families, and business owners make confident financial decisions while creating opportunities that can last for generations.

Whether you're protecting your family, growing your investments, preparing for retirement, navigating a major financial decision, or simply trying to better understand your options, I'd be honoured to be part of that journey.

Together, we'll build more.

This isn't the peak of my story.

It's page one.