Complimentary 20-Page Guidebook

The Canadian
Retirement Income Guide.

Maximizing your retirement income while minimizing your taxes. Download the comprehensive roadmap to a confident, tax-efficient retirement.

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Retirement Income Guide

"Retirement is wonderful if you have two essentials—much to live on and much to live for."

Why Choose Hexavision?

Seniors enjoying retirement

Unlike traditional financial institutions that often prioritize selling products to affluent clients, Hexavision takes a different approach. We offer unbiased, tailored advice suited to your unique circumstances.

Whether you’re starting with modest savings or managing significant assets, our mentorship program empowers you to make decisions aligned with your goals. We focus on uncovering additional cash flow from two major expenses—Taxes and Mortgage Debt Payments—that may be draining your finances unknowingly.

Executive Insights Inside:

1. How to Maximize Retirement Income

The sequence of withdrawals can significantly impact your retirement income. But have you ever wondered if you’re doing it in the smartest way possible?

  • Do you worry that taking money out in the wrong order could cause you to pay more tax than you should?
  • Are you concerned about losing valuable benefits like the Canada Pension Plan (CPP) or Old Age Security (OAS) because of clawbacks you could have avoided?
  • Do you feel uncertain about how to align your withdrawal strategy with advanced tax-saving methods to make your income last longer?
  • Do you wish there was a proven way to preserve your wealth, minimize taxes, and secure your retirement income for life?

If you answered yes to any of these, you’re not alone. Many retirees don’t realize that a tax-efficient withdrawal strategy is the missing piece that can help them protect what they’ve worked so hard to build.

2. How to Estimate Expenses in Advance

To estimate retirement expenses, you need to look deeper than just a single number.

  • Consider factors like daily living costs, healthcare, leisure activities, and inflation.
  • Calculate potential housing expenses, medical bills, and lifestyle choices.
  • Think about how rising costs can impact what you’ve saved and how long it will last.

At Hexavision, we provide personalized financial roadmaps to help you estimate and plan for these expenses, ensuring a financially secure retirement.

3. How to Ensure You Do Not Run Out of Money

To avoid running out of money in retirement, it’s crucial to plan for lifetime income.

  • This includes strategies like tax-efficient withdrawals.
  • Invest in options that generate passive income.
  • Safeguard your savings against inflation so your money keeps its value over time.

At Hexavision, we help you create a retirement plan that ensures a steady income — no matter how long you live.

4. How to Leave a Meaningful Legacy

A meaningful legacy is more than just financial assets — it reflects your values and life lessons.

  • Create a thoughtful estate plan that protects what you’ve built.
  • Support causes close to your heart so your impact lives on.
  • Ensure your loved ones feel proud and connected to your life’s mission.

At Hexavision, we help you build a legacy that protects your wealth and honors your wishes for generations to come.

Retirement Income Sources We Cover:

Canada Pension Plan (CPP) Old Age Security (OAS) RRSPs & TFSAs Non-Registered Accounts Employer Pensions Annuities Retirement Compensation (RCA) Home Equity Leverage

Nationally Licensed & Regulated

Hexavision Enterprise

Kanwaljit (Sunny) Kochar, DBA Hexavision Enterprise, is licensed to sell Segregated Funds investments, Life, and A&S Insurance products across 7 Canadian provinces. Insurance and segregated funds provided by Carte Risk Management Inc.

ONBCAB QCSKNBNS
FSCO (ON): 17161321
BC LIC: 2020-0022136-R01
AIC (AB): M-3493167-1763384
AMF (QC): 2023-CI-1016414
SK LIC: 087345
FCSC (NB): 220039066
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Tajinder Puri

National Director of Corporate Structuring and Cross-Border Taxation

CPA (CAN/USA), CA

With over 26 years of experience as a Senior Tax Auditor for the Canada Revenue Agency (CRA), Tajinder Puri is a distinguished authority in tax and strategic business structuring. He brings an unparalleled “insider’s perspective” to the Hexavision Team. Tajinder’s clinical eye for detail ensures that our clients’ wealth architecture is not only tax-efficient but stress-tested against the highest level of regulatory precision.

Throughout his two-and-a-half-decade career with the CRA, Tajinder specialized in high-stakes areas including international taxation, cross-border transactions, and tax planning for multinationals. He is a recognized expert in transfer pricing, inter-corporate reporting, and base erosion transactions—sophisticated domains that allow him to identify and neutralize “wealth leakage” for high-achieving families and corporate entities.

Tajinder’s global expertise is backed by an elite set of credentials, including CPA designations in both Canada and the USA, and a Chartered Accountant (CA) designation from India. This dual-border mastery provides Hexavision clients with seamless solutions for international tax minimization, business succession, and complex estate planning.

At Hexavision, Tajinder leads our tax division. He is dedicated to uncovering hidden structural inefficiencies and implementing the advanced, audit-proof strategies required to help our clients stop money leakage and achieve Total Financial Freedom.

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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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 an elite strategist specializing in trust and estate architecture and complex corporate wealth preservation. As a Trust and Estate Practitioner (TEP) and Certified Financial Planner (CFP), Jorge brings an institutional-grade level of expertise to the Hexavision team, ensuring that our clients’ wealth is not only grown but protected for generations.

With over a decade of leadership experience as the National Director of Advanced Planning for two of Canada’s largest financial institutions, Jorge has spent his career at the intersection of high-level strategy and clinical execution. He is a master of navigating the complexities of multi-generational wealth transfer, corporate structuring, and the design of “Legacy Fortresses” that shield family assets from unnecessary erosion.

At Hexavision, Jorge serves as the heart of our implementation process. He doesn’t just design advanced solutions; he leads the execution, ensuring that the theoretical blueprint becomes a functioning financial machine. His ability to translate complex estate laws and tax-efficient structures into actionable steps provides our clients with the absolute certainty that their plan is being built to the highest standard of precision.

Beyond his technical mastery, Jorge is a passionate advocate for financial literacy. He is the founder of ‘Camp Millionaire’ in Canada, a program dedicated to teaching the next generation the foundational life skills of money management. His commitment to education and his clinical approach to strategy make him an indispensable partner in our clients’ journey toward Total Financial Freedom.

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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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