Beyond filing tax return

Beyond Tax Filing: Your Year-End Strategic Tax Guide for 2025

Financial Foundations / Beyond Tax Filing: Your Year-End Strategic Tax Guide for 2025By / 14 minutes of reading / September 13, 2025

What if, instead of waiting until April to see how much you owe or how much you will get refunds, you could take decisive action now to keep more of your hard-earned money? Getting refunds means you paid interest-free loans to CRA. Read more about it here. This article is more than just a guide to filing taxes in the new year. This is your strategic playbook for the remainder […]

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A social media graphic about Canadian investment accounts, depicted as a financial toolbox. A hammer represents the RRSP, a multi-tool represents the TFSA, a power drill represents the FHSA, and an open container represents a Non-Registered account. Text on the image asks, "Which tool is right for you?" The Hexavision logo is in the corner.

The Ultimate Guide to Picking the Right Investment Account for Your Goals: (RRSP, TFSA, FHSA, Non-Reg.)

Financial Foundations / The Ultimate Guide to Picking the Right Investment Account for Your Goals: (RRSP, TFSA, FHSA, Non-Reg.)By / 21 minutes of reading / September 6, 2025

Imagine trying to build your dream home with only a hammer. You could probably put a few things together, but you wouldn’t get very far. For a solid, lasting structure, you need a complete toolbox—saws, wrenches, drills, and more, each with a specific job. Your financial life works the same way. Yet, for decades, many Canadians have been handed just one investment account as the only tool by traditional financial

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Canadian Homeowner Guide to Tax-Free Retirement Wealth

Canadian Homeowner Guide to Tax-Free Retirement Wealth

The Retirement Roadmap, Knowledgebase / Canadian Homeowner Guide to Tax-Free Retirement WealthBy / 14 minutes of reading / September 4, 2025

Many Canadians are all too familiar with this feeling. You have worked hard, paid your mortgage diligently, and watched your home’s value skyrocket. On paper, you’re a millionaire. But day-to-day, you feel stuck—concerned about saving and investing today to have enough cash flow for a long and comfortable retirement. You’re living in a pair of golden handcuffs: good income, house-rich, but cash-poor. After paying your three most significant Canadian bills—taxes,

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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

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Demystifying Undepreciated Capital Cost: Avoid Costly Tax Mistakes

Advanced Wealth & Legacy / Demystifying Undepreciated Capital Cost: Avoid Costly Tax MistakesBy / 9 minutes of reading / August 11, 2025

Demystifying Undepreciated Capital Cost: Avoid Costly Tax Mistakes Understanding Undepreciated Capital Cost (UCC) in Canada In the Canadian tax system, managing the cost of capital assets is a critical aspect of financial planning for businesses and individuals. The concept of Undepreciated Capital Cost (UCC) serves as a cornerstone in this process, representing the portion of a capital asset’s cost that remains after accounting for depreciation deductions through the Capital Cost

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Financial Flow & Tax Mastery

What is financial flow and tax mastery, and why should it be the first step?

Knowledgebase / What is financial flow and tax mastery, and why should it be the first step?By / 7 minutes of reading / August 11, 2025

What is financial flow and tax mastery, and why should it be the first step? Introduction: In this knowledge-base post on retirement planning and management, we will explore the key aspects of financial flow management and tax optimization for future-ready Canadian retirees. Retirement planning is a long and lonely journey filled with uncertainty. Many Canadians delay taking the first step due to various reasons, until the reality of time slipping

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Unlock Ultimate Financial Freedom: Escape Debt & Taxes in 2025

Financial Foundations / Unlock Ultimate Financial Freedom: Escape Debt & Taxes in 2025By / 8 minutes of reading / August 11, 2025

The Path to Total Financial Freedom: How to Break Free from Debt and Taxes Without Sacrificing Your Lifestyle in Canada (2025) In 2025, Canadians face a complex financial environment marked by soaring household debt, evolving tax policies, and the challenge of maintaining a comfortable lifestyle. Achieving total financial freedom-the state of being free from burdensome debt and excessive taxes while preserving quality of life-requires a nuanced, strategic approach. This article

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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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