OUR CORE VALUES

CARE

We care for our clients, their families and our communities. Client First is not a buzzword for us, but we live it every moment.

TRUST

Client Confidentiality, treating everyone with Respect, advising with Honesty, Transparency and Integrity are our keys to building trust and long-term relationships with our clients.

LEARN

We believe in Financial Education for our clients, our community and especially our children and youth. We are life-long learners ourselves, continuously updating and upgrading our knowledge.

ENGAGE

We always work in collaboration with our clients. We believe in community engagement and playing our part in nation building and stronger communities.

"An investment in knowledge pays the best interest."

– Benjamin Franklin

SERVICES

As a Financial Service Brokerage and Advisory firm, we take pride in helping Business Owners, High Net Worth Individuals and Families to secure their financial futures, realize their goals & dreams, optimize their wealth and plan their financial future. We are licensed to deal in all life, health and travel insurance products as well as hold licence to advise and sell investment fund products to clients.

Financial Management

Helping businesses, families and individuals manage their finances, budgets and savings.

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Tax Planning

Plan and implementation of retirement goals including advice and help on RRSPs, TFSAs, Annuities​

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Risk Management

Life and Health Insurance Needs' Analysis, Advice and help clients find the most suitable products

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Education Planning

Discuss saving for kid's education funds such as RESPs and other education savings

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Retirement Planning

Plan and implementation of retirement goals including advice and help on RRSPs, TFSAs, Annuities

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Wealth Management

Discuss fund advice, and investment management. Discuss investment and saving tools and strategies to help you and your family manage your wealth

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Responsible Investment

Discuss Responsible Investments and your contribution to help global climate change, environmental and ethical business issues.

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Estate Planning

Real Estate and Investment Owners to plan their assets, Multi-generational wealth transfer


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Group Insurance

Financial Advice and Consultation Session for small businesses.




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Travel and Super Visa Insurance

Discussing Travel Insurance Needs including Visitors to Canada, Super Visa, Canadians Travelling Abroad.

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CLIENT GROUPS

Help us help you! We've grouped our services under personas to help you identify the financial advice that you need. Click on a card to learn more and book a complementary consultation 

Business Owners

Financial Advice and Consultation Session for business owners. We are able to discuss your retirement planning, financial security planning including key person insurance, buy-sell arrangements, tax planning & efficiency for your business, tax efficient investments and other questions regarding financial services.

Professionals

As a professional, and a business owner, it is important to plan your business; its growth and preservation of wealth over a long period of time, especially with respect to tax planning, sale of professional corporation, estate planning and how to minimize your estate’s liabilities. We will understand your objectives, discuss tools and build strategies to help you grow and sustain your professional practice.

Real Estate Investors

As a real estate investor, it is important to preserve your wealth over a long period of time, especially with respect to tax planning, estate planning and how to minimize your estate’s liabilities. We will understand your objectives, discuss tools and build strategies to help you 

Responsible Investors

As an investor, it is important that your money goes into an investments that you believe in.  The industry or company that receives your money should be one that you can trust will shape the future. Discuss responsible investments and your contribution to help global climate change, environmental and ethical business issues.

Families

As a decision-maker for your family, you can use this free financial consultation to help you with your financial plan for your family. We can also discuss financial tools such as RESP, tax-planning, investment management, estate planning, wealth transfer, financial security, risk management and retirement planning.

Retiree

Retirement planning is one of the most neglected aspects of financial planning where families and individuals are often short of a comfortable retirement despite of savings, pension plans and rental incomes. We can help you streamline it. We can discuss retirement planning tools such as RRSP, TFSA and other services. 

Complicated/ Pre-Existing Health Issues

When it comes to health, it is important that you have a financial plan that can support your needs and the needs of your loved ones. We can discuss financial planning and tools that can lessen the stress required to deal with any health concerns.

Travelers

As an individual traveling in and out of Canada, it is important that you have the right insurance to cover yourself. We can discuss travel insurance needs including Visitors to Canada, Super Visa, and Canadians Travelling Abroad.

From one of our clients:

"Best advice anyone can ever give. Thank you for your help."

– Parth S.

ABOUT US

Who Are We?

Zoho Financial is a brokerage and advisory firm. We seek out to provide the best financial advice and services to fit our client's needs. Whether they are families, business owners, or investors, we aim to give the best service.

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Investments

Through our multitude of partnerships, Zoho Financial has access to many investment and mutual funds in Canada.

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Insurance

At Zoho Financial we have access to over 25 Canadian Life, Health and Travel insurance companies to choose from, giving us access to choose the most suitable products for our clients and their needs.

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TESTIMONIALS

We take pride in the service we provide to all our clients. Here’s what they have to say about their experiences.

Harpreet is the best advisor that I have ever dealt with, and as a business owner, its such a powerful combination that he has experience in consulting ad helping small business owners in starting up, growth and planning. Combine that with his financial knowledge, we have now been able to plan our incomes, taxes and retirement in a much much better way than we ever thought. Thank you Zoho Financial!

NADIA B.

For a young professional like me, planning and advice from Harpreet came as a big support. We have been able to clarify my long term objectives, our plans and we already have put these plans in practice. His timely responses and customer driven approach is very much appreciated.

BRANDON B.

I have been to seek advice from Mr. Harpreet at Zoho Financial twice. I have been very happy with the information, the knowledge he has and the transparency. I am planning to move my investments but so far there is no pressure to sell me anything and when he said no obligation, he truly meant it.

GURPREET S.

Best advice anyone can ever give. Thank you for your help.

PARTH S.

I had been with an advisor from *** and I did not know what was going on with my insurance and investments. I got Harpreet to analyze my insurance and for the first time I realized what I had and what I was missing.

MIKE L.

I was looking for health insurance and was recommended to Zoho financial. Since then I have been there regular client. Customer service is fantastic. Mr. Harpreet was so patient in explaining everything. Would definitely recommend to everyone. Thank you again sir.

SRISHTI K.

Life and health insurance products are provided through Zoho Financial through Desjardins Financial Security Independent Network. Life and health insurance products and services are not available through Desjardins Financial Security Investments Inc. (DFS Investments) nor are the insurance plans or services available and/or offered, supervised or reviewed by DFS Investments. DFS Investments is the mutual fund dealer through which mutual fund products and services are provided.This site is not the property of Desjardins Insurance¹ or Desjardins Financial Security Independent Network. They do not have any control over the content or the use of the site. 

Desjardins Insurance¹ and Desjardins Financial Security Independent Network shall not be liable or responsible to any person for any harm, loss or damage (whether arising in contract, tort, negligence or otherwise) that may arise directly or indirectly from this site, the use, inability to use, or malfunctioning of this site or the information contained herein, including any direct, indirect, special, third party or consequential damages.This site is not the property of Desjardins Financial Security Investments Inc. (DFS Investments). DFS Investments has control over the content of this site by their review of the information provided in accordance with its policies and procedures. 

DFS Investments is not responsible for the content in this website that is unrelated to the business of DFS Investments nor is it responsible for the monitoring or supervision of these other business activities. Desjardins Financial Security Investments Inc. (DFS Investments) is a corporate body separate and apart from Desjardins Insurance¹.DFS Investments is a mutual fund dealer registered in every Canadian province and territory and an exempt market dealer registered in Quebec. It is also registered in every Canadian province and territory for the distribution of insurance products. DFS Investments’ advisors may be qualified to provide advice on mutual funds, exempt market products and other investments products, among other things.

 In Québec, DFS Investments is also registered as a restricted dealer, a group insurance of persons and a financial planning firm. Unless otherwise indicated, investments in products distributed by DFS Investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public deposit insurance fund, as the case may be, nor are they guaranteed, in whole or in part, by Desjardins Insurance¹, and their value is subject to market fluctuations.¹ Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products.

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