Frequently Asked Questions
Welcome to the Hexavision Mentorship Program FAQ. Whether you’re curious about our non-conventional methodology, our process, or how we operate, everything you need is right here.
Getting Started with your Financial Freedom Journey
If you have any additional questions after reviewing our comprehensive library below, or after reading through our framework guide, please don’t hesitate to reach out to us. We encourage you to question everything conventional and have fun doing it.
The Hexavision Framework is a proven methodology, and framework for retirement project planning and management system (RPPMS) developed by Kanwaljit (Sunny) Kochar. It is a non-conventional wisdom or approach to managing finances compared to traditional methods.
Its core purpose is to guide future-ready clients towards achieving Total Financial Freedom (TFF), enabling them to retire early and stay wealthy without working extra hours.
The framework helps clients maximize the efficiency of their money at work by identifying and eliminating money that is slipping away unknowingly and unnecessarily from the current two largest bills: mortgage interest payments and taxes.
The Hexavision framework is built upon three Universal Laws of Money. These principles are:
- The Law of Compounding: Demonstrated by the Rule of 72, which shows how quickly money can double.
- Never Losing the Principal Invested: Emphasizing the absolute safety of your initial capital.
- Paying Only the Right Amount of Tax: Recognizing that taxes can significantly erode long-term wealth.
Understanding and applying these laws is crucial for navigating the modern financial landscape effectively and achieving financial freedom.
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. 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 includes standard bank savings accounts, GICs, and stock market/mutual funds held in non-registered accounts. Any income or growth you earn is generally taxed annually as ordinary income at your marginal tax rate.
2. “Tax Later” Investments
This pillar often seems appealing because you might get a tax benefit on your contributions now (e.g., the RRSP). However, every single dollar withdrawn in retirement is taxed as ordinary income—including the initial principal AND all the compounded growth. For many, relying solely on RRSPs can be the worst way to save for retirement income.
3. “Tax Never” Investments
This is where things get exciting! The money you put in grows and compounds tax-free, and crucially, withdrawals are never taxed again. The 100% of compounded growth is yours to keep. The Tax-Free Savings Account (TFSA) is a fantastic example provided by the government.
4. “Tax Advantaged” Investments
This category includes investment vehicles that offer specific tax benefits. A key example is the cash value built inside a permanent life insurance policy. The money grows tax-deferred, and can potentially be accessed in a tax-preferred way, providing protection and tax-free wealth creation for multiple generations.
5. “Principal Residence” Investment
While not a liquid investment in the traditional sense, building equity in your primary residence is 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 compared to leveraging “good debt”.
The reality is, 91% of Canadians rely on conventional wisdom, potentially retiring with the fear of running out of money. Understanding these five pillars is fundamental to 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 lack the right roadmap or the correct sequence. It’s like navigating unknown terrain without a GPS.
This is precisely why the Hexavisionary Framework is so powerful. These steps are a deliberate, powerful sequence designed for maximum efficiency. Here is the critical path:
Step 1: Financial Flow and Tax Mastery
Getting a crystal clear picture of exactly what’s coming in and going out. It’s about mastering your cash flow and optimizing your tax strategy to maximize your income. 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 achieving debt harmony by identifying and eliminating bad debt and strategically embracing good debt that can actually work for you and generate income.
Step 3: Resilient Reserve Funds
Life throws unexpected curveballs, but it also presents sudden opportunities. Having three to six months of income readily available buffers against uncertainties and positions you to grab opportunities when they appear.
Step 4: Guardianship of Assets
Protecting what you’ve built and your ability to earn is paramount. This involves implementing smart insurance policies, legal protections, and risk management strategies (like the DIME method) to safeguard your financial future.
Step 5: Wealth Creation Framework
This is where we focus on strategically building wealth using an all-weather portfolio four-bucket investment system. It’s about utilizing diversified assets and exploring real estate or entrepreneurial ventures to outpace inflation.
Step 6: Legacy Fortress Planning
The final crucial step is ensuring your financial achievements benefit those you care about the most. This involves comprehensive estate planning to preserve your wealth, minimize taxes on transfer, and create a lasting family legacy.
Following these sequential steps is the key to unlocking your Total Financial Freedom and achieving the results you truly deserve.
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 titles. They are ambitious, dissatisfied with their current financial situation, and seeking real 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. We work with clients who value time and results, not those seeking “get rich quick” schemes.
Many individuals approach us expressing concerns such as:
- Lack of clarity and feeling confused by conflicting advice from various financial institutions.
- Knowing they have financial problems but not having a clear path to solve them.
- A fear of losing money in investments, stemming from past negative experiences.
- Being frustrated by high taxes and unaware of advanced minimization strategies.
- Not understanding what financial security truly looks like.
- Lacking confidence in their current retirement plan and worrying about carrying debt into retirement.
- Concern over substantial investments in RRSPs, realizing the CRA may own a significant portion upon withdrawal.
- Worrying about paying significant taxes on capital gains and wealth transfers.
- The negative impact that financial stress has on their family and relationships.
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, and efficient transfer of wealth to the next generations.
The program aims to help clients retire early and wealthy, potentially three times faster than traditional methods, by eliminating unnecessary leakage of money (like mortgage interest and taxes). They can also expect reduced stress, improved relationships, and the ability to leave a lasting legacy.
No, there are absolutely no hidden costs. Unlike many financial advisors charging for knowledge or serving only the high net-worth, 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. Unlike other wealth management firms, 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, along with a “Done with you” mentoring meeting online each week.
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 proprietary products.
Our focus is on providing tools, services, and solutions through the Hexavisionary Framework, not pushing specific products. We differentiate ourselves from the conventional industry, which clients often perceive as selling unsuitable products.
We do not charge or receive compensation for the mentorship program itself, which operates strictly Pro Bono.
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 typically reserved for the rich and elite.
Absolutely, you have the freedom to leave the program at any time if it doesn’t meet your expectations. Neither of us are obligated to work with each other until we find it’s a best fit.
At the same time, if we find that you are not actively engaged or committed to the program, we may suggest that it’s not the best fit and ask if you want to step out. We are dedicated to working with individuals who are committed to achieving their financial aspirations and ready to take action.
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Retire early by using new ways to grow your money securely and pay the right amount of tax. Pick a time that is convenient for you and start your journey today.
