Jangid | Protect · Build · Multiply — Independent Financial Advisor

Our Philosophy

The Balanced Life Framework

True financial well-being doesn't exist in isolation. We believe lasting wealth is built on the foundation of a fully balanced life — guided by five interconnected pillars.

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Faith

Your deepest values and purpose. A legacy strategy that reflects what you truly stand for.

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Fitness

Your health is your greatest asset. We plan for the financial impact of illness, injury, and life's unexpected turns.

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Family

Your people deserve a foundation they can always return to — no matter what the trail brings.

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Friends

Business partners, community, key employees — your network is part of your financial ecosystem.

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Finances

Tax-efficient growth, smart registered accounts, and a strategy that makes your money work as hard as you do.

"The summit you're climbing should mean something — and we're here to help you reach it."

Start Your Journey →

Who We Serve

Financial Planning For Every Stage

Whether you're raising a family, building a career, running a business, or planning retirement — we build a plan that fits your life, not a template.

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Families With Children

Building a base camp your family can always return to — income protection, education savings, and legacy planning.

Life & disability insurance reviews
RESP & education savings grants
Mortgage & debt strategy
Wills, POAs & estate planning
Critical illness coverage

View Checklist →

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Young Professionals

Building wealth early — making the right decisions now, before life gets complicated.

TFSA, RRSP & FHSA optimization
Disability & critical illness insurance
Student debt repayment strategy
First home savings planning
Career income protection

View Checklist →

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Business Owners

Protecting what you've built — corporate structures, key person coverage, and succession planning.

Corporate wealth strategies
Key person & buy-sell insurance
Tax-efficient income planning
Business succession & exit planning
Group benefits & retention

View Checklist →

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Retirees & Pre-Retirees

The transition into retirement is one of the most financially complex moments of your life — make it count.

CPP & OAS timing strategy
RRSP to RRIF conversion planning
Estate & wealth transfer
Long-term care planning
Tax-efficient withdrawal sequencing

View Checklist →

Interactive Worksheet

7 Financial Questions
Every Canadian Family Should Answer

Most families don't lose their financial security all at once — they lose it because no one ever asked the right questions. Answer these seven. Be honest with yourself.

Income Protection

What happens to my family if I can't work tomorrow? Disability is far more likely than death during your working years. How long could your family sustain their lifestyle if your income stopped?

Retirement Readiness

Are we on track to retire when we want to? Most people don't run the numbers until it's too late to course-correct. Do you know your retirement gap?

Life Insurance Coverage

If I died today, would my family be okay financially? Mortgage, childcare, lost income, education — is your coverage built around your actual obligations?

Critical Illness

Are we protected from a critical illness? 1 in 2 Canadians will be diagnosed with cancer in their lifetime. A serious diagnosis can drain savings fast — even with solid group benefits.

Tax-Efficient Wealth

Are we building wealth in the most tax-efficient way? Canadians leave thousands on the table every year through the wrong account structure. Is your money working as hard as you are?

Education Savings

Do we have a plan for our children's education costs? Canadian tuition has outpaced inflation for 30 years. The CESG offers up to $7,200 in free government money — but only if you start early.

Estate Planning

Does our estate plan reflect what we actually want? A will isn't enough. Beneficiary designations, powers of attorney, and insurance structures all need to work together. When did you last review them?

If you couldn't answer even one of these with confidence — reach out today. A complimentary review can give you clarity.

Financial Tools

Financial & Health Calculators

Run your numbers. Understand your position. Download your results and take the first step toward a confident plan.

Retirement Savings Calculator

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Expected Annual Return (%)

Desired Monthly Income in Retirement ($)

PROJECTED RETIREMENT NEST EGG

Calculating...

For illustrative purposes only. Results assume consistent contributions and constant return rates. Actual returns will vary. This is not financial advice.

Life Insurance Needs Calculator

Annual Income ($)

Years of Income to Replace

Mortgage Balance ($)

Other Debts ($)

Education Fund Needed ($)

Existing Life Insurance ($)

COVERAGE GAP

Calculating...

This is a general estimate only. Actual coverage needs depend on your complete financial picture. Not financial or insurance advice.

RESP & Education Savings Calculator

Child's Current Age

Monthly Contribution ($)

Existing RESP Balance ($)

Expected Annual Return (%)

Family Net Income

PROJECTED RESP AT AGE 18

Calculating...

CESG grants shown are estimates. Actual grants depend on family income, annual contributions, and CRA eligibility. Not financial advice.

TFSA vs. RRSP Comparison

Annual Contribution ($)

Current Marginal Tax Rate (%)

Expected Retirement Tax Rate (%)

Investment Years

Annual Return (%)

AFTER-TAX VALUE AT WITHDRAWAL

Calculating...

Simplified comparison. Actual results depend on contribution room, income changes, and withdrawal timing. Not financial advice.

Debt Payoff Calculator

Total Debt Balance ($)

Interest Rate (% per year)

Monthly Payment ($)

Extra Monthly Payment ($)

DEBT-FREE IN

0 months

Calculating...

Assumes fixed interest rate and consistent monthly payments. Actual results may vary. Not financial advice.

Critical Illness Risk Assessment

Age

Biological Sex

Smoker?

Family History of Cancer or Heart Disease?

Activity Level

Monthly Income ($) — to calculate financial impact

YOUR RISK PROFILE

Moderate

Calculating...

⚠️ This tool is for general awareness only. It does not constitute medical or health advice. Consult a qualified healthcare provider for medical assessments.

BMI & Health Risk Calculator

Height (cm)

Weight (kg)

Age

Biological Sex

Waist Circumference (cm)

YOUR BMI

0.0

Calculating...

⚠️ BMI is one indicator and does not account for muscle mass, bone density, or other individual factors. This is not medical advice. Please consult a qualified healthcare provider.

RRSP & LIF Meltdown Calculator

See what an optimized withdrawal sequence across your RRSP, LIRA, TFSA, and non-registered accounts could save in lifetime tax and OAS clawback — compared to the common pattern of avoiding the RRSP until forced. All amounts are in today's dollars.

Account Balances

RRSP ($)

LIRA ($)

TFSA ($)

Non-Registered ($)

Non-Registered Adjusted Cost Base ($)

Province & Horizon

Province

Current Age

Retirement Age

Plan To Age

Saving Until Retirement (Optional)

RRSP Contribution ($/yr)

TFSA Contribution ($/yr)

Spending & Growth

Spending in Retirement ($/yr)

Inflation Rate (%)

Return Before Retirement (%)

Return In Retirement (%)

Government Benefits at Age 65

The calculator tests every CPP start age (60–70) and OAS start age (65–70) to find the combination that produces the most after-tax wealth.

CPP at 65 ($/yr)

OAS at 65 ($/yr)

Pension (Optional)

Indexed DB Pension ($/yr)

Pension Start Age

ADDITIONAL AFTER-TAX ESTATE

Enter your numbers and calculate to see your optimized strategy.

Educational estimate only, using 2026 tax brackets and benefit thresholds held constant in real terms. Single-person model — spousal splitting, personal credits, and provincial surtaxes aren't included. Not financial, tax, or legal advice.

Total Portfolio Value Over Time

Naive (RRSP untouched until forced) Optimized (early meltdown)

Lifetime Totals

What's modelled & what's simplified

2026 federal + provincial tax brackets, OAS clawback threshold ($95,323), and CPP/OAS deferral rates — everything is shown in today's dollars, which is mathematically the same as indexing all of it to inflation each year.
RRIF minimum withdrawals from age 71 (CRA schedule) and LIF maximum withdrawals (2026 AB/BC/ON/NB/NL/SK table) on the LIRA portion, with excess demand shifted to the RRSP.
The optimizer tests every CPP start age, every OAS start age, and two RRSP/LIRA meltdown intensities, then picks whichever combination leaves the most after-tax wealth.
Not modelled: spousal accounts and pension splitting, personal tax credits, provincial surtaxes, GIS, and working-year income. This tool shows the order of magnitude of withdrawal sequencing — not a personalized plan.

Find Your Financial Gaps

The 2-Minute Financial Blind Spot Assessment

Answer 8 short questions and discover where your financial life stands across all five pillars — and what to focus on first.

YOUR FINANCIAL HEALTH

The 5F Life Goals Assessment

Faith · Fitness · Family · Friends · Finances

QUESTION 1 OF 8 · FINANCES

If your income stopped today, how long could your family maintain their current lifestyle?

Select an answer to continue

QUESTION 2 OF 8 · PROTECTION

Do you have a life insurance policy with adequate coverage for your current obligations?

QUESTION 3 OF 8 · RETIREMENT

Are you on track for your retirement goals? Have you run the numbers?

QUESTION 4 OF 8 · FAMILY

Do you have an up-to-date will and named beneficiaries on all your accounts and insurance policies?

QUESTION 5 OF 8 · FITNESS & HEALTH

Are you financially protected if you were diagnosed with a critical illness (cancer, heart attack, stroke)?

QUESTION 6 OF 8 · WEALTH BUILDING

Are you maximizing the Canadian government savings programs available to you (TFSA, RRSP, RESP, FHSA)?

QUESTION 7 OF 8 · FAITH & LEGACY

Have you documented what you want your financial legacy to look like — for your family, your community, or your values?

QUESTION 8 OF 8 · YOUR SITUATION

Which best describes your current life stage?

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Your 5F Financial Health Score

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Want to understand what your results mean? Book a complimentary conversation with our team →

Client Stories

What Our Clients Say

Real conversations. Real plans. Real results — for Canadian families, professionals, and business owners just like you.

We had no idea how many gaps we had until we sat down for the free review. Our family now has a proper plan — life insurance that actually covers our mortgage, an RESP earning government grants, and a will that finally reflects what we want.

Sunita & Raj M.

Parents of two · Ontario

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FEATURED

As a business owner I always thought I had things covered. What I didn't realize was how exposed I was — no buy-sell agreement, no key person insurance, and my personal and corporate finances were a mess. The review was a wake-up call and the plan we built gave me real confidence.

David K.

Business Owner · British Columbia

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I'm in my early 30s and was just putting money into a savings account, not knowing the difference between a TFSA and RRSP. Now I have a proper strategy, disability coverage I actually understand, and I'm on track for a home purchase. I wish I had done this sooner.

Priya L.

Software Engineer · Alberta

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We were within five years of retirement and honestly terrified we hadn't saved enough. The retirement gap analysis was eye-opening — in a good way. We restructured our withdrawals, optimized our CPP timing, and now feel genuinely confident about what's ahead.

Tom & Margaret F.

Pre-Retirees · Manitoba

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What I appreciated most was that there was zero pressure. The approach is genuinely educational — I learned more in one hour than in years of trying to figure this out on my own. The 5F framework made everything feel holistic, not just transactional.

Amara A.

Nurse Practitioner · Saskatchewan

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After my divorce I felt completely overwhelmed starting from scratch financially. The review helped me prioritize, understand what I had, and build a plan that worked for me and my kids. I finally feel like I'm in control of my financial future.

Christine M.

Single Parent · Nova Scotia

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Testimonials represent general client experiences. Individual results may vary. Names abbreviated or changed for privacy.

Share Your Story → Book a Review

Learn & Grow

Resources & Insights

Practical financial education across every format — articles, podcasts, and video. Built around the 5F framework so you can learn on your terms.

Protection

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The 3 Protection Gaps Most Canadian Families Don't Know They Have

Income disruption, critical illness, and dependant security — discover the three most common gaps and what to do about each one before life surprises you.

8 min readProtection · Family

Read Article →

TFSA vs. RRSP vs. FHSA: Which Account Should You Fill First?

A plain-English breakdown of Canada's three most powerful registered savings accounts — and the order that makes the most sense for your income level and goals.

12 min readInvesting · Tax

Read Article →

Business

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5 Things Every Canadian Business Owner Should Insure (But Usually Doesn't)

Key person coverage, buy-sell funding, overhead expense — the five insurance strategies that protect what you've built and keep your business running no matter what.

10 min readBusiness · Insurance

Read Article →

Retirement

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CPP at 60 vs. 70: The $100,000 Decision You Need to Make Before You Retire

When to start taking CPP is one of the most consequential retirement decisions you'll make. Here's how to run the math for your specific situation.

9 min readRetirement · CPP

Read Article →

Family

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The RESP Guide Every Canadian Parent Needs: $7,200 in Free Government Money

Everything you need to know about opening an RESP, maximizing the Canada Education Savings Grant, and choosing the right plan type for your family.

11 min readFamily · Education

Read Article →

Wellness

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1 in 2 Canadians Will Face a Critical Illness. Is Your Family Financially Ready?

A serious diagnosis doesn't just affect your health — it can devastate your finances. Here's what critical illness coverage actually does, and who needs it most.

7 min readHealth · Insurance

Read Article →

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THE PODCAST

The Balanced Wealth Podcast

Real conversations about money, life, and the 5 F's — Faith, Fitness, Family, Friends, and Finances. No jargon. No sales pitches. Just practical financial education for Canadians building a life they're proud of.

Subscribe Free → Coming Soon on Spotify · Apple · YouTube

EP. 01

Why Most Canadians Have the Wrong Financial Plan (And Don't Know It)

The most common planning mistakes — and the simple shifts that change everything.

Listen Now →

EP. 02

The 5F Framework: Why Financial Planning Starts With Your Life, Not Your Money

Faith, Fitness, Family, Friends, Finances — how the 5F approach changes the conversation.

Listen Now →

EP. 03

Business Owner Special: The Insurance Strategies Your Accountant Probably Isn't Talking About

Key person, buy-sell, and corporate wealth strategies for Canadian entrepreneurs.

Listen Now →

EP. 04

Retirement Countdown: The 5 Things You Must Do in the 5 Years Before You Stop Working

CPP timing, RRSP conversions, and the withdrawal sequencing strategy most people miss.

Listen Now →

EP. 05

Young & Canadian: How to Build Real Wealth on an Average Income (TFSA, RRSP, FHSA Deep Dive)

Step-by-step for young professionals who want to build wealth the smart way.

Listen Now →

EP. 06

Critical Illness, Disability, and Life Insurance: What You Actually Need (And What You Don't)

Cutting through the confusion around protection products for Canadian families.

Listen Now →

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YOUTUBE CHANNEL

Jangid Financial — YouTube

Short, practical financial education videos built for everyday Canadians. Whiteboard explainers, Q&A sessions, and real-life planning scenarios — no fluff, no filler.

Subscribe to Channel →

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