financial advisor | thomas with books



Retirement | Wealth | Insurance

Helping Canadians Achieve Financial Stability

Retirement | Wealth | Insurance

Get Advice on a Deeper, Personal Level

Financial Service

Wealth

Start building wealth early. Wealth is implementing the right financial strategies, no matter how small, over a long period of
time.

Life Insurance Vancouver | paper folk under money roof

Insurance

If you have dependencies, start with insurance to protect your loved ones, all while building wealth simultaneously.

Retirement Planning Vancouver | Older couple in the woods

Retirement

Ensure you have enough to retire securely and comfortably. Ensure you plan funds for your essentials, vacations and potential
medical care.

financial advisor | calculator

Debt Management

There is good debt and bad debt. In all financial planning, we take both into consideration.

financial advisor | calculator

Tax Management

Canada is a great country to live in, but has one of the highest taxes in the world.
Ensure you are taking full advantage of the tools available to you that can lower taxes.

Risk Management

Asset your financial risk by looking at the type of insurance coverage you have from family, work and personal. Full in the gaps
if needed.

Life Insurance Vancouver | two men planning

Estate Planning

We want to leave the best for our family and our future generations. Do it without triggering too much tax.

financial advisor |

Business Insurance Planning

Use key person insurance to make sure that the business continues to run in case one of the founders is critically ill, and make sure their family is cared for as well.

Financial Service | figure shovelling coins

Business Wealth Transfer

Insurance can create a tax shelter for business, especially when they are taxed at such a high rate when it comes to investment income.

1 In 2 Households In Canada Will
Suffer Financial Hardship Due To
Death / Disability / Illness &
One Third Of Canadians Cannot
Financially Retire At 65.

REVIEWS

WHAT OUR CLIENTS SAY

Anne-Marie (Lemon)

Working with Thomas has been a pleasure. He has been reliable and does a great job at explaining things in an easy to understand way.

Torio Food&Travel

Thanks Thomas for all your help and professional advice and tips regarding managing our finances. All the best

Ron Tickner

I’ve been with Thomas for 4 years now and he’s an amazing resource! No cookie cutter approach, he’ll listen & then provide a plan tailored just for you.Thomas is definitely a game changer!

OUR BUSINESS STORY

Back in 2010, in a comfortable bank office, Thomas was told

You have to pay a fine for saving too much…”

Thomas had been following the advice of a bank advisor, like any Canadian should, but got hit with unfair fines! He overcontributed to TFSA, and ended up paying a heavy fine.

In addition to his troubles, bank advisors were switching out. They were either promoted, swapped branches, there was just no one person he could go to solve his issues. Also, bank advisors are driven by commission. So the pressure to invest, despite potential heavy fines, was the norm.
This lack of care, lack of personalization, and lack of long-term relationship building, make it clear to Thomas that.

He is just a number on a long excel sheet…

Thomas wasn’t the only one that experienced this problem. Friends, family and even his own parents have shared that this is just how it is. This is the current financial system and how it works. And they realized that by being numbers of spreadsheets, they had to be financially savvy themselves, and ended up having to tell the bank advisor what they can contribute etc.
After all,
The banks don’t care if you contribute and rack up fines.

During this time, Thomas was already working a number of jobs. Three actually. But he also knew the massive potential for solving this lack of personalization and financial advice. He knows that by understanding finances, he can not only help his friends and closest family, but other Canadians have a deeper understanding of finances as well. It seems to be a common theme that the middle-class today, have trouble staying as middle class.
Today Thomas now works with Canadians, one on one, helping them and their families build wealth. Return and service is one thing, but building that long-term advisor, that person you can go to and speak to, takes time. He aims to deeply understand each family’s situation, needs and goals and creates a tailored plan. But that isn’t all. He is also committed to doing bi-annual reviews where he speaks to existing clients, get updates, and make sure what they are doing, is on track. He also runs a small team of advisors that can help him, and work with him in caring for more clients.
Over time he is constantly improving, so you can consider that the Thomas Chan of tomorrow is a better advisor than he is today. As life changes, and milestones such as starting a family, getting married, buying a home or preparing for a retirement vacation, know that he is there to guide you step by step.

“I am committed to my clients, I’m not going anywhere, ” – Thomas Chan

So do you just want a general broker? Or do you want someone who proactively reaches out to you, someone who cares for your future and meets you 1-2 times per year. For Thomas, the AFTER SERVICE is more important.

Financial Advisor | Thomas with balls

THOMAS CHAN

MISSION, VISION & VALUES

1 In 2 Households In Canada Will Suffer Financial Hardship Due To Death / Disability / Illness & One Third Of Canadians Cannot Financially Retire At 65.

Vision:
To provide financial stability for 5,000 Canadian families
Mission:
Helping you avoid financial hardships
Values:
Be accountable for your actions
Do unto others as you would like done to you
Action and correction is better than thinking and no execution
Follow through on my commitments regardless of difficulty
Measure and project for clarity
Gain trust and respect
Give more value to others
Lead by example
Always open to learn
Look for perspective
Be prompt with responses

OUR WHY

WE LOVE WHAT WE DO

Life Insurance Vancouver | couple planning in kitchen
Life Insurance Vancouver | couple with baby
Financial Service | couple planning at table
Financial Service | Advisor with family
Financial Service | Advisor with clients
Life Insurance Vancouver | couple planning on grass
Financial Service | couple chatting by a river

Today, more and more Canadians suffer from financial hardships due to the unexpected death of the breadwinner, unexpected disabilities or illnesses. These impacts to Canadians and their families change their plan and course of their family permanently.
Also today, over ⅓ of Canadians will have trouble returning properly due to financial trouble at age 65. And considering these scenarios, it’s often not the individual’s fault. These are the results of unexpected incidents and improper education through the current systems that exist in place.
Most people, simply don’t take action until it is too late. No one, after all, would schedule in or set a time for an accident to occur. No one expects to become sick or ill. We avoid it, and we don’t talk about it. But this attitude is precisely the problem or issue. We are offloading that risk to our family and onto the next generation.
When Canadians speak to banks and in-house advisors, often what happens is that the bank advisors can only sell and recommend their own products. Despite the fact that each bank specializes in different products, some financial institutions have better deals in certain areas. Bank advisors also have their own goal of moving

Our process focuses on starting to get to know the individual first. With the pandemic, we are running most of our meetings online, and thus we see individuals across Canada.

That means even if we move or the client moves even outside of Canada, we can still give them that personalized service and connect, anywhere in the world. By understanding our client’s specific needs, goals and even their story, we can build a comprehensive strategy that fills in the gaps. This could come in the form of insurance or financial planning. The ideal strategy is making sure that the benefit comes at the right time. One of the most common questions we get asked is, how do we reduce the high-income taxes that Canadians need to contribute. Is it simply just RRSP? Or are there other tactics that could make this work well.
We also get asked which one is better term or permanent insurance. One thing we always tell our clients is that, if you ask Google if term is better, it will tell you term is better. Or vice versa when you ask if permanent is better. In other words, if you looking for it, you will find it. If you search for negative information about a specific insurance type, you will find negative details. The same for positive details.
Ultimately, regardless of whichever insurance, or whatever Canadian benefit, these are all just tools that are available to us. It is really more about finding the right advisor to use the right tool and In each and every situation, a specific tool is more ideal, and depending on the goal. This is why, in our company, no one tool is better than the other, but there are plans that are better than the other. It is our mission to implement the right plan for a specific client.
Our service doesn’t revolve around any particular bank or insurance company. By partnering with a large number of companies across Canada, we have more tools on our tool belt that we can use for our clients.

Once a plan is implemented for a client, our work isn’t complete. We believe in long-term business relationships. If all you needed was a quick insurance quote, an online robot can do that. After a plan is implemented, we reach out to our clients 2-3 times for an annual review. Just because some systems were implemented once, doesn’t mean they will work well forever. It requires constant review and observations. Life goals and scenarios also change, such as getting married or having kids. With the diversity and complexity of our lives, the cookie-cutter financial plan, in our view, no longer works.
We also work closely with business owners because they are busy enough as it is running the business and making it profitable. We work in the background helping business owners prepare for the worse, without taking up their time. When a business owner gets sick, the business suffers and so does the family of all those affected by the business. Our focus is to make sure that if a business owner does fall critically ill, funds are available to hire someone to replace that key person. The funds to be able to keep the business going, and help the business recover.
We also focus on weekly training with our advisors, we are able to ensure that everyone is always up-to-date. If there are any advisors working with a complicated scenario of a client, we want more advisor eyes on it. Together we can capture all the opportunities, and make sure that we have properly researched all solutions that are ideal for a particular client.
Our goal is to provide an approachable method for Canadians to access the financial strategy they need, we believe we can positively impact Canada one person at a time. When it comes to compensation we do a hybrid of consultation or commission-based. A small percent of our clients prefer to manage everything themselves, they are knowledgeable and love to invest. For them we don’t manage any of their assets or systems, instead, they come to us purely for consultation and ensure that they are on track. For those that can’t be bothered and prefer to be managed by us, and have our report to them, we don’t charge the client, rather the banks, insurance companies, or financial institution pays us.
It allows Canadians who are just getting started and don’t wish to invest on their own, to still get advice and guidance.

WE ARE READY

TO SERVE YOU!

Thomas C Chan

Thomas C Chan

CEO

Benjamin Swee

Benjamin Swee

COO

Sally Cheng

Sally Cheng

Associate