Cretia Smart is an entrepreneur and Wealth Strategist with over 12 years of business experience. She owns and manages Smart Property Professionals, a full-service real estate agency, is a co-founder of Trinidad & Tobago Mortgage Consultants, and serves as a Financial Advisor with Pan-American Life Insurance Group, a U.S.-based insurance company. Wealth building means something different to everyone. But one thing is certain—it often begins with a thought, sparked by a conversation. Let's begin.