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Numbered vs. Named: Company Success Secrets

Advanced Wealth & Legacy / Numbered vs. Named: Company Success SecretsBy / 9 minutes of reading / August 11, 2025

Numbered vs. Named: Company Success Secrets What Is a Numbered Company? A numbered company is a business entity identified by a randomly assigned name consisting of an incorporation number and a legal element like Limited, Corporation, or Inc. This structured numbering system simplifies the corporate registration process, avoiding the need for name selection or adherence to a corporate naming convention. Unlike named companies, there is no naming requirement, and an […]

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Comprehensive Financial Planning

What Is Comprehensive Financial Planning? Your Key to Freedom

Knowledgebase / What Is Comprehensive Financial Planning? Your Key to FreedomBy / 11 minutes of reading / August 11, 2025

Comprehensive Financial Planning: Unlock True Freedom Now A skilled retirement planner focuses on maximizing efficiency by addressing key areas like investments, insurance, estate planning, and the amount of taxes you owe to the CRA. For me, it feels like a journey—one that can span five, 10, or even 20 years, helping you live both for today and the future. The beauty of this approach is that it’s not tied to

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Ontario Title Insurance Costs Exposed—Save Before You Buy!

Financial Foundations / Ontario Title Insurance Costs Exposed—Save Before You Buy!By / 20 minutes of reading / August 11, 2025

Ontario Title Insurance Costs Exposed—Save Before You Buy! Owning a property is a significant investment, and safeguarding it should always be a top priority. In Canada, title insurance plays a key role in protecting homeowners from unexpected losses or damages arising from title defects. These defects can range from title fraud and boundary disputes to errors in public records. Even issues like unpaid debts from previous owners or unknown easements

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T1013 vs. AUT-01: The Must-Know Difference Explained

Financial Foundations / T1013 vs. AUT-01: The Must-Know Difference ExplainedBy / 10 minutes of reading / August 11, 2025

T1013 vs. AUT-01: The Must-Know Difference Explained The T1013 Form was a document used to authorize or cancel a representative who could handle your tax matters with the Canada Revenue Agency (CRA). It allowed individuals, businesses, non-residents, and trusts to grant permission to representatives, such as accountants or tax professionals, to access and manage their tax accounts. However, as of February 10, 2020, the T1013 Form has been replaced by

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How to Enjoy Retirement Life with a Meaningful Routine

The Retirement Roadmap / How to Enjoy Retirement Life with a Meaningful RoutineBy / 36 minutes of reading / August 11, 2025

How to Enjoy Retirement Life with a Meaningful Routine Building a retirement routine can help you avoid unstructured days and bring a sense of enjoyment and balance to your life. Start your morning by waking up at a consistent time, getting dressed, and having a healthy breakfast. These small habits create structure and satisfaction. Avoid wasting time by piddling around and instead block out specific times for key activities. For

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Dividend Tax Credit

What Is the Dividend Tax Credit in Canada? Maximize Gains!

Advanced Wealth & Legacy / What Is the Dividend Tax Credit in Canada? Maximize Gains!By / 20 minutes of reading / August 11, 2025

What Is the Dividend Tax Credit in Canada? Maximize Gains! The Federal Dividend Tax Credit is a non-refundable credit that helps shareholders reduce the tax owed on the income they receive from shares. This credit is specifically designed to alleviate the issue of double taxation on dividends. When a Canadian corporation distributes profits to its shareholders, it pays corporate tax on the underlying income. As a result, shareholders are not

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24/7 No Refusal Payday Loans in Canada – Risks to Avoid

Financial Foundations / 24/7 No Refusal Payday Loans in Canada – Risks to AvoidBy / 23 minutes of reading / August 11, 2025

24/7 No Refusal Payday Loans in Canada – Risks to Avoid Understanding Why To Avoid No Refusal Payday Loans When considering no refusal payday loans, it’s essential for Canadians to recognize their potential risks of very high cost of borrowing. These short-term loans may seem like a quick solution for financial emergencies, but they often carry high costs and limited regulatory protection. With interest rates as high as 391% APR,

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The Essential Guide to Family Trusts in Canada You Need

Advanced Wealth & Legacy / The Essential Guide to Family Trusts in Canada You NeedBy / 41 minutes of reading / August 11, 2025

The Essential Guide to Family Trusts in Canada You Need In Canada, family trusts play a vital role in securing the financial future and estate planning. It is an essential tool for protecting your family’s wealth and ensuring a smooth transfer of assets and wealth to future members of the family. As family trust is considered a separate legal entity, which allows for strategic structuring and maintaining of assets. This

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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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