FAQs about Our Mentorship Program

The Hexavision framework is built upon three Universal Laws of Money.

These principles are:

1.The Law of Compounding (demonstrated by the Rule of 72, which shows how quickly money can double)
2.The importance of Never Losing the Principal Invested (emphasizing the safety of your initial capital)

3.The principle of Paying Only the Right Amount of Tax, recognizing that taxes can significantly erode wealth

Understanding and applying these laws is crucial for navigating the modern financial landscape effectively and achieving financial freedom. Access our knowledge base here.

The Hexavisionary Framework helps you navigate the often confusing world of investments by highlighting the Five Pillars of Investment Vehicles available in Canada. These aren't just different places to put your money; they are fundamentally different based on how your money will be taxed, particularly when you need to access it during your retirement years.

Many Canadians are doing things "upside down and inside out", potentially leaving a significant portion of their hard-earned savings to the taxman instead of themselves and their families.

Here are the five pillars, framed through the lens of maximizing your money's efficiency:

1. "Tax Now" Investments: This is where most people start, often without realizing the significant tax drag. This pillar includes investments like standard bank savings accounts, GICs, and investments in the stock market and mutual funds held in non-registered accounts. With these, any income or growth you earn is generally taxed annually as ordinary income at your marginal tax rate. It's money that gets taxed currently.

2. "Tax Later" Investments: This pillar often seems appealing because you might get a tax benefit on your contributions now. A prime example in Canada is the RRSP (Registered Retirement Savings Plan). However, the catch is that every single dollar withdrawn in retirement is taxed as ordinary income, including both the initial principal you contributed and all the compounded growth it accumulated over the years. The critical question to ask yourself and your current advisor is: How will you pay less tax during retirement, if you want to live same or better lifestyle than you currently live, by investing into RRSP account. You need income to support your lifestyle even during retirement, only if you are determined to lower your lifestyle in retirement you will pay less taxes.

For many, relying solely on RRSPs, especially if you own a home, can be a major flaw and the worst way to save for retirement income. A significant part of that investment could ultimately belong to the CRA, not you.

3. "Tax Never" Investments: Now, this is where things get exciting! These accounts are designed so that the money you put in (which has usually already been taxed before contributing) grows and compound tax-free as long as it stays inside the account, and crucially, withdrawals are never taxed again. The 100% of compounded growth is all for you to keep. The Tax-Free Savings Account (TFSA) is a fantastic example provided by the government. These accounts offer a beautiful benefit, allowing you to save taxes and ensure your compounded growth stays with you. There is a limit on how much you can put in every year.

4. "Tax Advantaged" Investments: This category includes investment vehicles that offer specific tax benefits or unique tax treatment. A key example mentioned is the cash value build inside a permanent life insurance policy. While contributions might not give you an upfront tax refund like an RRSP, the money grows tax-deferred, and later, it can potentially be accessed in a tax-preferred way. These instruments often not only shelter the money from high taxes, it also provide protection and tax-free wealth creation for multiple generations, adding another layer of advantage.

5. "Principal Residence" Investment: Your home is more than just a place to live; it's a significant asset that can function as a pillar of your financial strategy. While not a liquid investment in the traditional sense, building equity in your primary residence and the potential for its value appreciation can be substantial. Critically, in Canada, your principal residence can be an effective mechanism for tax-free transfer of wealth to the next generation.

However, conventionally trying to pay off the mortgage early might be a major mistake or the worst use of money compared to leveraging "good debt" to build tax-efficient retirement savings.

The reality is, 91% of Canadians rely on conventional wisdom, often focusing heavily on paying down their mortgage and contributing to RRSPs, potentially retiring with the fear of running out of money. They are often unaware of or not utilizing the more tax-efficient vehicles and strategies that should be prioritized first to truly maximize their money's potential and secure their financial future.

Understanding these five pillars and how they interact within a comprehensive strategy is fundamental to achieving Total Financial Freedom and ensuring that more of your hard-earned money stays with you, not the CRA.

Many hard-working Canadians are doing the "right" things – they're saving, paying down debt, and trying to build wealth – but they're still frustrated and feel like they're not getting ahead. It's not because they lack effort; it's because they often lack the right roadmap or the correct sequence. It's like trying to bake a magnificent cake without a recipe or navigating unknown terrain without a GPS system. You might have all the ingredients or the best vehicle, but without the proper order and guidance, the outcome is uncertain, or worse, a complete flop.

This is precisely why the Hexavisionary Framework is so powerful. It's a proven system, methodology, and framework that provides that essential map, methodology, and sequential steps to guide you directly towards financial independence and Total Financial Freedom (TFF). These steps are not just a list of things to do; they are a deliberate, powerful sequence designed for maximum efficiency and impact. They form the bedrock of your journey to financial freedom.

Here are the six powerful, sequential steps that outline this critical path:

Step -1: Financial Flow and Tax Mastery: This is where it all begins – getting a crystal clear picture of exactly what's coming in and going out of your life financially. It's about mastering your cash flow and optimizing your tax strategy to maximize your income and minimize those tax liabilities. By carefully managing your cash flow and minimizing tax, you ensure more of your hard-earned money stays with you. This involves knowing your disposable cash flow and marginal tax rate, often with the help of a Zero Budget sheet. Tax is often the biggest enemy of your money.

Step 2:Debt Harmony Tactics: Debt can be a major roadblock, but not all debt is created equal. This step focuses on effectively managing and strategically handling your debts. It's about achieving debt harmony by identifying and eliminating bad debt and strategically embracing good debt that can actually work for you and generate income. Managing debt properly frees up valuable resources for wealth building opportunities.

Step -3: Resilient Reserve Funds: Life throws unexpected curveballs, but it also presents sudden opportunities. This step is about building a robust reserve fund that serves as both an opportunity fund and an emergency fund. Having at least three to six months of income readily available provides peace of mind, buffers against uncertainties, and positions you to grab those sudden opportunities when they appear.

Step -4: Guardianship of Assets: Protecting what you've built and your ability to earn is paramount. This step focuses on proper protection and guardianship of your valuable assets – your income, investments, and property. It involves implementing smart insurance policies, legal protections, and risk management strategies, like the DIME method (Debt, Income, Mortgage, Education analysis), to safeguard your financial future. You must protect against the loss of income.

Step -5: Wealth Creation Framework: This is where we focus on strategically building wealth using all weather portfolio four bucket investment management system. It's about implementing advanced strategies and modern investment techniques, utilizing diversified assets, and even exploring for suitable clients real estate or entrepreneurial ventures, all designed to outpace inflation and continue reducing taxes as you grow. This framework outlines a personalized plan for sustained financial growth.

Step -6: Legacy Fortress Planning: The final crucial step is ensuring your financial achievements benefit not just you, but also those you care about the most – your family and future generations. Legacy Fortress Planning involves comprehensive estate planning to preserve your wealth, minimize taxes on transfer, and create a lasting family legacy.

Following these sequential steps within the Hexavisionary Framework is the key to unlocking your Total Financial Freedom and achieving the results you truly deserve. It's about making your money work hard for you in the right way.

Hexavision primarily serves hard-working professionals and executives in Canada, typically between the ages of 35 and 55, with a college degree or beyond and a family gross income of around $150,000. These individuals are often employed by large corporations and hold mid to senior management or executive job titles. They are often ambitious and dissatisfied with their current financial situation, seeking solutions rather than just information.

They are coachable, resourceful, committed to taking action, and can save at least $500 a month for their financial future. Hexavision emphasizes working with clients who value time and results, not those seeking "get rich quick" schemes or who are unwilling to take responsibility for their finances.

Many individuals approach us for mentorship expressing concerns such as:

•Lack of clarity and feeling confused by conflicting advice from various financial institutions and advisors

•Knowing they have financial problems but not having a clear plan or path to solve them

•Finding it difficult or painful to think about crucial future topics like retirement, loss of income ability, or death because they lack clarity on the problem and available solutions

•A fear of losing money in investments, often stemming from past negative experiences or a lack of guidance on how to grow money safely

•Being frustrated by high taxes and being unaware of advanced strategies to minimize tax liability

•Not understanding what financial security and freedom truly look like or how to achieve them

•Lacking confidence in their current retirement plan and worrying about carrying debt into retirement

•Concern over substantial investments in tax-later accounts like RRSPs, realizing that a significant portion of that money may ultimately belong to the CRA upon withdrawal

•Worrying about having to pay significant taxes on capital gain assets and wealth transfer

•The negative impact that financial stress has on their family and relationships

•Concern about the ability to financially empower their children

Clients can expect a transformation leading to Total Financial Freedom, characterized by clarity and confidence about how money works, security of income for life with tax efficiency, the creation of a self-funding wealth-creation machine, protection of savings and investments, and efficient transfer of wealth to the next generations.

The mentorship program aims to help clients retire early and wealthy, potentially three times faster than traditional methods, by maximizing the efficiency of their money, eliminating unnecessary leakage of money by taking control of major bills like mortgages interest cost and taxes. They can also expect reduced stress, improved relationships due to less financial strain, and the ability to achieve life's milestones and leave a lasting legacy.

No, there are absolutely no hidden costs for the Hexavision Mentorship Program. Unlike many financial advisors charging for the knowledge, or serving only the high networth people. It is offered at no cost to the client and is described as a free mentorship program. The program is Free after the qualification meeting, there are no financial obligations or purchases required to join our mentorship program. Our commitment is to provide valuable guidance and support to help you get clarity on modern financial concepts that allow you to fast track in achieving your financial goals. Unlike other wealth management firms that only provide their expert guidance to wealthy individuals, we do not demand any minimum investment commitment to work with us long term.

The Hexavision Mentorship Program typically involves a 4-week commitment to understand the unconventional Body of Knowledge provided online free of cost after initial qualification along with "Done with you" mentoring meeting online each week. The structured program guides you through the Hexavision framework over this period. There's an initial webinar (around 45 minutes) and a pre - qualification call (30-40 minutes) to start. There is no financial commitment required until both of us find it's an absolute fit to work together.

No. Hexavision is an independent advisor not tied to any commercial institution, financial product provider, or bank. We sell nothing and offer no products. Our focus is on providing tools, services, and solutions through the Hexavisionary Framework, not pushing specific products. We aim to differentiate ourselves from the conventional financial industry, which clients often perceive as selling unsuitable products or offering conflicting advice.

We do not charge or receive compensation for the mentorship program itself, which is even described as Probono.

However, when the guidance leads to implementing modern financial solutions that are the best option for you, and our services align with your financial goals, we are compensated through commissions and trailing fees paid by Canadian financial institutions, including banks, insurance companies, and investment firms.

We earn the right to work with you by providing clarity and solutions that are typically reserved by financial institutions for the rich and elite.Our focus is on providing you with the most valuable solutions and empowering you with modern financial concepts through our Hexavisionary framework. We work exclusively with clients who are committed to achieving their financial aspirations.

Absolutely, you have the freedom to leave the program at any time if it doesn't meet your expectations. Nighter of us are obligated to work with each other until we find it's a best fit. At the same time, we find that if you are not actively engaged or committed to the program, we may suggest that it's not the best fit and might ask if you want to step out. We are dedicated to working with individuals who are committed to achieving their financial aspirations and are ready to take action.