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Roth IRA: Opportunities for Canada-U.S. Cross-Border Ties

Advanced Wealth & Legacy / Roth IRA: Opportunities for Canada-U.S. Cross-Border TiesBy / 30 minutes of reading / August 11, 2025

Roth IRA: Opportunities for Canada-U.S. Cross-Border Ties 1. Introduction of Roth IRAs: A Roth IRA is a tax-advantaged individual retirement account for Americans that allows you to contribute post-tax money (after tax money – meaning you do not receive a tax deduction at the time of contribution) for long-term tax free growth. This means the growth you accumulate in the account are tax-free when you withdraw them after age 59½ […]

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How to Protect Your Loved Ones with Final Expense Insurance

Advanced Wealth & Legacy / How to Protect Your Loved Ones with Final Expense InsuranceBy / 22 minutes of reading / August 11, 2025

How to Protect Your Loved Ones with Final Expense Insurance Planning for the inevitable, the end of life, which is the sixth step to achieving financial freedom can be challenging, but final expense insurance provides a practical and meaningful way to prepare. For many Canadians, the idea of passing away brings significant stress, especially when thinking about funeral costs, burial, or cremation. This type of coverage helps ease the financial

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Living in Canada vs. USA: Unveiling the Hidden Pros and Cons

Financial Foundations / Living in Canada vs. USA: Unveiling the Hidden Pros and ConsBy / 34 minutes of reading / August 11, 2025

Living in Canada vs. USA: Unveiling the Hidden Pros and Cons This comparison provides a detailed analysis of living in Canada versus the USA from my own personal perspective, focusing on key aspects such as cost of living, housing, taxes, healthcare, education, climate, career opportunities, retirement and immigration. Canada is recognised for its affordable, government-funded healthcare system and emphasis on work-life balance, though it involves higher taxes and harsh winter

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When Does EI & CPP Max Out? Find Out Before It’s Too Late!

Financial Foundations / When Does EI & CPP Max Out? Find Out Before It’s Too Late!By / 17 minutes of reading / August 11, 2025

When Does EI & CPP Max Out? Find Out Before It’s Too Late! In Canada, Employment Insurance (EI) and the Canadian Pension Plan (CPP) are vital programs that provide financial support to individuals. These programs have specific maximum contribution limits, which can impact your paycheck and net income (the first step to Total Financial Freedom) throughout the year. Knowing when these contributions max out can help you plan for changes

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Line 15000 on Your Canadian Tax Return: Here’s What It Means

Financial Foundations / Line 15000 on Your Canadian Tax Return: Here’s What It MeansBy / 6 minutes of reading / August 11, 2025

Line 15000 on Your Canadian Tax Return: Here’s What It Means Filing taxes is an essential responsibility for Canadians. It’s not just about meeting deadlines or fulfilling legal obligations; it’s about ensuring financial accuracy and making the most of your income. Understanding the T1 General Income Tax and Benefit Return is a critical step in this process. Line 15000 (shown in the image titled No.3) on your tax return is

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Anil (Andy) Sud

General Insurance Specialist & Financial Freedom Consultant

General Insurance Specialist, Financial Consultant

Anil (Andy) Sud is a highly experienced Insurance Consultant with over 42 years in the customer service field. Known for his dedication, reliability, and in-depth knowledge, he brings a passion for exceptional client care to both life and non-life insurance sectors.

Andy excels at building long-lasting, trust-based relationships with clients, approaching each interaction with genuine empathy and a commitment to helping others. His attention to detail ensures clients receive personalized, well-thought-out solutions, while his careful handling of sensitive information provides peace of mind.

Andy’s extensive experience includes working with clients from diverse backgrounds and communicating effectively through face-to-face meetings, online channels, phone calls, and email correspondence.

A skilled communicator, he is fluent in English, Hindi, Urdu, Punjabi, and Dogri, which helps him connect deeply with a broad range of clients. Andy’s dedication to client satisfaction and deep expertise make him a valuable asset in the insurance industry.

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Ingrid Wolf

Director of Advanced Lending for Senior & Leverage Finance Analysis

Mortgage Broker, Originator Licence #M10001213

Ingrid Wolf is Hexavision’s dedicated mentor, an expert in advanced lending strategies, including mortgage and leverage finance, whose primary focus is to help Canadians significantly reduce their borrowing costs.

With over 35 years in the financial services industry, including 15 years specializing in mortgage brokering, Ingrid brings a profound understanding of financial strategies. Her extensive background includes a long tenure with Canada’s largest banks, notably RBC Royal Bank, where she held key roles such as Senior Account Manager and Commercial Account Manager.

Ingrid stands out by offering access to an expansive network of over 50 different lenders with hundreds of lending and mortgage options, ensuring unbiased, professional mentorship tailored precisely to your needs. She meticulously educates clients on various financial options, empowering them to make informed decisions that minimize overall borrowing expenses.

Committed to working for her clients, not the lenders, Ingrid excels in navigating complex scenarios to secure the optimal mortgage solution and turn financial dreams into reality.

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Shawn Bausch

National Director of Corporate Structures, Canadian and Cross Border Taxation, Trusts and Estates

CPA, CPA (CA), MA

Shawn Bausch is a distinguished expert in corporate structuring and tax planning. With a meticulous eye for detail and a client-centered approach, he ensures each plan is precisely tailored to meet the unique needs of our clients while aligning with complex corporate and taxation laws.

With over 15 years of taxation expertise, Shawn Bausch, Principal of SB Advisors, brings immense value to Team Hexavision. Specializing in Canadian Corporate Taxation and Cross-border Taxation, Shawn is adept at crafting corporate structures that are ideal for individuals and small to medium-sized enterprises navigating the intricacies of Canada-US operations.

Shawn’s dual expertise as both a Canadian and US CPA provides seamless solutions in cross-border tax matters, estate planning, business succession, and international tax minimization. His extensive background includes significant roles with Fortune 100 companies and public practice.

At Hexavision, we are proud to partner with Shawn to navigate the complexities of cross-border taxation, unlocking new opportunities for growth and success for our clients.

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Jorge Ramos

National Director of Advanced Planning, Group and Corporation Strategies

CFP, CSA, CLU, CHS, TEP, Life License, Securities License, RIBO License,

Jorge Ramos is the heart of our Advanced Planning, Group and Corporation Strategies, providing exceptional support and ensuring that our corporate clients feel valued and understood every step of the way. He has also developed and trademarked a series of insurance products that bring the best ideas in the insurance industry together under unique brand called Viva Health and Assure Plan.

Personal and Corporate Strategies like Legacy Banking, Estate Protector, and Retirement Protector are available to our clients as part of their journey toward financial freedom.

After many years as an Insurance Advisor, he switched paths and joined two of Canada’s top insurance companies as the Advanced Sales Director, where he spent 10 years. He is an avid reader and is always learning as can be seen in his elite professional credentials.

A passionate advocate of financial literacy, Jorge started ‘Camp Millionaire’ in Canada, a summer camp that teaches children basic life skills in money management and investing.

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Kanwaljit (Sunny) Kochar

CEO & Founder of Team Hexavision, Retirement Planning and Management Specialist

B.Com, PMP, CBAP

Kanwaljit (Sunny) Kochar is the visionary force behind Hexavision, boasting over 30 years of experience across various industries. His diverse background and innovative approach to retirement planning and management have empowered countless Canadians to achieve their financial dreams.

As a personal financial coach, Sunny collaborates with a team of like-minded professionals to help Canadians grow their wealth three times faster. His holistic strategy not only focuses on getting clients out of bad debt but also on achieving total financial freedom.

Sunny’s approach allows clients to retire early and wealthy without the need for strict budgeting, enabling them to enjoy life’s pleasures—whether that’s taking vacations, treating their kids, or spending quality time with family.

His passion for financial empowerment and commitment to his clients’ success make him a trusted partner in their journey towards total financial freedom.

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