what is fapi featured image

Foreign Accrual Property Income (FAPI): Complete Guide for Tax Compliance

Advanced Wealth & Legacy / Foreign Accrual Property Income (FAPI): Complete Guide for Tax ComplianceBy / 25 minutes of reading / August 11, 2025

Foreign Accrual Property Income (FAPI): Complete Guide for Tax Compliance Introduction FAPI—Foreign Accrual Property Income—is Canada’s crackdown on tax deferral tricks using CFAs (Controlled Foreign Affiliates). Imagine claiming deductions for rent or interest earned offshore: the CRA swoops in, risking double taxation unless active management is proven. A client once hid business income in a non-resident holding company; their tax return blew up faster than a TikTok trend. Yikes! Businesses […]

Foreign Accrual Property Income (FAPI): Complete Guide for Tax Compliance Read More »

trust fund canada

What is a Trust Fund? The Secret Wealth Tool Unveiled

Advanced Wealth & Legacy / What is a Trust Fund? The Secret Wealth Tool UnveiledBy / 6 minutes of reading / August 11, 2025

Custom HTML/CSS/JAVASCRIPT What is a Trust Fund? The Secret Wealth Tool Unveiled What is a Trust Fund in Canada? In Canada, a trust fund simply holds assets for someone’s benefit. Legally, when you hear “trust fund” it means there’s a settlor (person who creates the trust by putting in assets), a trustee (the manager), and a beneficiary (who eventually gets the assets). For example, if Grandma Alice puts $50,000 into

What is a Trust Fund? The Secret Wealth Tool Unveiled Read More »

old age security image

Old Age Security Canada 2025: What They Don’t Tell You

Financial Foundations / Old Age Security Canada 2025: What They Don’t Tell YouBy / 10 minutes of reading / August 11, 2025

Old Age Security Canada 2025: What They Don’t Tell You Old Age Security Canada (OAS) is the federal pension every Canadian receives once they reach 65, regardless of work history. Essentially, it’s a lifetime monthly pension funded by taxpayers, designed as a safety net for seniors. (Imagine it as the steady trusty old friend that kicks in at 65.) To qualify, you must have lived in Canada at least 10

Old Age Security Canada 2025: What They Don’t Tell You Read More »

what is bare trust image

What Is a Bare Trust? Hidden CRA Rules Explained

Advanced Wealth & Legacy / What Is a Bare Trust? Hidden CRA Rules ExplainedBy / 9 minutes of reading / August 11, 2025

What Is a Bare Trust? Hidden CRA Rules Explained Have you ever co-signed a mortgage for a family member? Or perhaps added a relative to the title of a property for estate planning purposes? If so, you might be surprised to learn you’ve likely entered the world of trusts—specifically, something called a bare trust. It’s one of the most common yet misunderstood legal arrangements in Canada. For years, these informal

What Is a Bare Trust? Hidden CRA Rules Explained Read More »

Secret Carbon Tax Rebate

Secret Carbon Tax Rebate Dates for 2025 REVEALED!

Financial Foundations / Secret Carbon Tax Rebate Dates for 2025 REVEALED!By / 8 minutes of reading / August 11, 2025

Secret Carbon Tax Rebate Dates for 2025 REVEALED! Introduction In 2025, the carbon tax rebate payments will continue to be a crucial source of financial relief for many Canadian households, particularly those in lower-income brackets. As part of Canada’s broader strategy to combat climate change while ensuring that vulnerable populations are not unduly burdened by the rising costs associated with carbon taxes, these rebates serve as a vital component of

Secret Carbon Tax Rebate Dates for 2025 REVEALED! Read More »

First National Mortgage Rates featured image

Exploring First National Mortgage Rates: What Homebuyers Need to Know in 2025

Financial Foundations / Exploring First National Mortgage Rates: What Homebuyers Need to Know in 2025By / 9 minutes of reading / August 11, 2025

Exploring First National Mortgage Rates: What Homebuyers Need to Know in 2025 When navigating the world of home buying, understanding mortgage rates is essential. Whether you are a first-time homebuyer or looking to refinance, securing the best mortgage rate can make a significant difference in the long run. One company that has established itself as a prominent lender in the market is First National Financial Corporation. Known for its competitive

Exploring First National Mortgage Rates: What Homebuyers Need to Know in 2025 Read More »

advanced canada workers benefit

Advanced Canada Workers Benefit: Unlock Hidden Financial Relief

Financial Foundations / Advanced Canada Workers Benefit: Unlock Hidden Financial ReliefBy / 9 minutes of reading / August 11, 2025

Advanced Canada Workers Benefit: Unlock Hidden Financial Relief The Rising Cost of Living in Canada Canada is known for its beautiful landscapes, vibrant culture, and high quality of life. However, in recent years, many Canadians are feeling the weight of financial strain as the cost of living continues to increase. High housing prices, soaring utility bills, and the rising cost of everyday goods like groceries and transportation are contributing to

Advanced Canada Workers Benefit: Unlock Hidden Financial Relief Read More »

Mortgage Protection secrets

Mortgage Protection Mastery: Secure Your Family’s Future

Knowledgebase / Mortgage Protection Mastery: Secure Your Family’s FutureBy / 13 minutes of reading / August 11, 2025

Beyond Bricks and Mortar: Why True Mortgage Protection is Key to Your Family’s Financial Future in Canada For many Canadians, owning a home is more than just an investment; it’s the cornerstone of family life, a symbol of hard-earned success, and a legacy for the future. But what happens if the unexpected strikes? This is where the conversation about mortgage insurance in Canada becomes paramount. At Hexavision, we believe in

Mortgage Protection Mastery: Secure Your Family’s Future Read More »

CPP & OAS image

CPP & OAS Secrets: Unlock Early, Wealthier Retirement

Knowledgebase / CPP & OAS Secrets: Unlock Early, Wealthier RetirementBy / 22 minutes of reading / August 11, 2025

CPP & OAS Secrets: Your Key to Retiring Early & Richer in Canada Feeling that itch to trade deadlines for dreamlines? If you’re a Canadian professional or business owner eyeing retirement in the next 5-10 years, you’re likely wondering how to make it happen without sacrificing your lifestyle. One of the biggest (and often most confusing!) pieces of that puzzle is figuring out your Canada Pension Plan (CPP) and Old

CPP & OAS Secrets: Unlock Early, Wealthier Retirement Read More »

Scroll to Top

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.

CONNECT ON LINKEDIN

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.

CONNECT ON LINKEDIN

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.

CONNECT ON LINKEDIN

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.

CONNECT ON LINKEDIN

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.

CONNECT ON LINKEDIN