Financial Lifestyle Coach Inc.

Karl-Ludwig Ossenkopp

President, KLO Financial Lifestyle Coach Inc.

Mortgage Agent

FSCO #10002311


Karl spent his formative years here in London Ontario. He graduated from Western University with a Bachelor of Science with a major in chemistry. After graduating he found himself managing one of the top men's retail chains where he discovered he enjoyed working with people. He then became a financial security advisor with one of the leading financial institutes in 2003. By 2009 he made the decision to branch out into the brokerage world to be able to offer his clients a full suite of products. This move aligned with his philosophy of a more holistic approach to financial planning.


Karl is licensed through the Financial Securities Commission of Ontario to sell and broker insurance and mortgage products. His product shelf includes but is not limited to; Canada Life, Empire Life Insurance, Industrial Alliance, TransAmerica Life Canada (Aegon Group), Standard Life, SSQ Financial, Foresters, Desjardin Financial, Equitable Life, Fortress Real Capital, and High Rise Capital.


Karl has completed Financial Planning levels one and two through CSI Global Education and is actively pursuing his PFP and CFP certification.


He lives in London with his wife and their four beautiful children.




Cell - 519-619-7379


Ryan Applin

KLO Financial Lifestyle Coach Inc.

Mortgage Agent

FSCO #M15000689

Ryan is excited to join KLO Financial Lifestyle Coach as a Mortgage Agent and financial lifestyle coach. He brings with him a passion for people and helping them find the perfect mortgage solution while also taking a closer look at their cash-flow and providing exceptional advice.


Ryan is a graduate from University of Western Ontario with BA major in Sociology. Upon completing his degree he worked in sales as a marketing representative for major greeting card and party supply distributor and later accepted a role working as a Government Administrator.


He lives in London and is a loving father to his twin girls. If that wasn't enough to keep him busy, he also enjoys playing dodge ball and baseball.



Cell - 519-870-3533


Kathy Breau

KLO Financial Lifestyle Coach Inc.

Mortgage Agent

FSCO #M15001818

My business background spans over the past 30+ years starting with a very successful Real Estate career and then I moved into the Mortgage business for many years. Gradually, my husband and I built our real estate portfolio and then we started dabbling in Real Estate Development which spread over 3 countries by the time we were done! We started in Panama City, Florida then had the opportunity to come home to London to do a project, and from there we moved to Costa Rica to develop a Golf Resort which is still in the growth stage. Our love for challenge and a very high “Risk tolerance” has made for quite an interesting life!


London is home for my husband, Larry and I. We were born and raised in Ingersoll so we have come full circle. Larry is a retired Air Force pilot and shares my passion for all aspects of Real Estate investment. His career afforded us the opportunity to live in Florida from 1992 until 2004 when we returned to London the first time.


Today we have put down roots in Dorchester and we relish the visits from 7 grandchildren and their parents on a regular basis. I have way too much energy to retire so I am looking forward to a long and abundant career in the Canadian Mortgage Market. Thank you for the opportunity to introduce myself and I look forward to working on the Centum team.


Life is Good!


Kathy Breau



Site created by April Ossenkopp