Small Business Owners
Connect business cash flow, protection, succession, retirement, and personal financial goals.
Education-first planning
Financial Planner in BC Financial Planning for Professionals & Business Owners Across Canada
E2Gee Financial helps you understand your money, protect what matters, and build a practical plan for the future with plain-language guidance from Dr Sahej Karwar, Financial Planner, QAFP™, LLQP.
QAFP® Financial Planner Serving Professionals & Business Owners in BC, Alberta & Ontario
What we do
Individuals And Families
Create a clear plan for budgeting, debt, savings, protection, education, retirement, and major family decisions.
Pre-Retirees And Retirees
Prepare income, manage risk, think through family protection, tax-aware planning, and legacy goals.
Exclusive Services for Healthcare Professionals
Earn • Keep • Grow
We help healthcare professionals build wealth by increasing cash flow, reducing tax drag, and using compounding plus protection for long-term financial growth.
- Increase cash flow with smarter financial planning
- Keep more by reducing tax drag efficiently
- Grow wealth with compounding and protection
How it works
A simple process that starts with clarity, not pressure.
The goal is to understand your situation first, then decide the next step with confidence.
Book A 30-Minute Session
Start with a no-pressure conversation about your goals, questions, and current financial situation.
Understand The Full Picture
Review what matters: income, expenses, family needs, debt, protection, business, retirement, and future plans.
Build Your Plan
Get practical next steps explained in plain language, with careful attention to your real-life priorities.
Adjust As Life Changes
Revisit your plan as your family, work, business, and goals change over time.
About Sahej
Guidance that feels clear, personal, and practical.
Dr Sahej Karwar, Financial Planner, QAFP™, LLQP, helps visitors connect planning, education, and protection decisions without jargon or pressure.
Dr Sahej Karwar
Financial Planner, QAFP™, LLQP
- Understand possible gaps before choosing products
- Get education-first guidance for Canadian financial decisions
- Build confidence around family, newcomer, business, and retirement questions
What clients say
Real feedback from people we've helped plan with confidence.
Real client experiences, shared with permission.
★★★★★
“Running a dental practice left me no time to think about anything beyond next month. Sahej built a plan that finally separated my practice finances from my personal ones — proper corporate structure, insurance that actually protects the practice, and a retirement plan I understand. I wish I'd called him five years earlier.”
Dr. A. Mehta · Dentist, Ontario
★★★★★
“We'd been putting off a real family plan for years — kids' education, a mortgage, and no idea if we were actually on track. Sahej walked us through everything in plain language, no jargon, and we left with an actual roadmap instead of a stack of brochures. For the first time it feels like our money has a plan, not the other way around.”
The Bains Family · British Columbia
★★★★★
“I was paying far more tax than I needed to and didn't know it. Sahej restructured how I was investing across my TFSA, RRSP, and non-registered accounts, and the difference showed up almost immediately. It's rare to find someone who explains the 'why' behind every recommendation instead of just telling you where to sign.”
J. Chow · Tax-Efficient Investing Client
★★★★★
“When I was sponsoring my parents' Super Visa, I compared a few providers before choosing a plan through Sahej — the quote came in more affordable than expected, and when a claim was needed during their visit, it was handled smoothly with none of the back-and-forth I'd worried about.”
Meenu · Super Visa Insurance for Her Parents, Surrey, BC
★★★★★
“Running a grocery store means everything I've built is tied up in the business. Sahej helped me see that my estate plan hadn't kept pace — if something happened to me, my family could have faced a large tax bill with no easy way to pay it. We put corporate-owned insurance in place specifically to cover that gap, so the store and my estate are both protected instead of leaving my family to sort it out.”
Sanjay Kumar · Grocery Store Owner, Corporate Insurance & Estate Planning
Individual client experiences shown; results vary by situation.
Free Financial Health Checkup
How financially prepared are you?
Take a simple 5-minute checkup covering earning, keeping, and growing your money — and see which areas may be worth a closer look.
Financial education
Useful answers before you become a client.
Savings & Investing Strategy
What should I start saving or investing in to stay aligned with my financial goals?
The right savings and investment strategy depends on your goals, timeline, risk tolerance, and current financial situation. A well-structured plan may include emergency savings, TFSAs, RRSPs, RESPs, investment portfolios, debt reduction strategies, and retirement planning. Rather than choosing products first, we help determine the most appropriate strategy based on your personal objectives and financial priorities.
Read articleFamily Protection Planning
How much Life Insurance and Critical Illness coverage does a Canadian family typically need?
Coverage requirements vary based on income, debt obligations, family size, lifestyle, future education costs, and financial goals. In general, many families require enough coverage to replace income, pay off major debts such as mortgages, and maintain financial stability for loved ones. A personalized needs analysis helps determine the appropriate amount for your specific situation.
Read articleBusiness Tax Planning
What are the tax considerations and liabilities for small businesses and self-employed professionals?
Small business owners and self-employed professionals often face unique tax obligations and planning opportunities. Proper tax planning can help identify eligible deductions, optimize business structures, manage cash flow, reduce unnecessary tax leakage, and support long-term wealth creation.
Read articleCommon questions
Questions people ask before booking.
Is the first consultation free?
Yes. The first conversation is a free 30-minute session or protection review — book a time that works for you using the calendar on the booking page.
How is financial planning different from just buying a product?
Financial planning starts with goals, cash flow, family needs, debt, risk, retirement, and future priorities. Products may be considered only after the full picture is understood.
Do you help with insurance and protection planning?
Yes. Protection planning can include reviewing life insurance, disability coverage, critical illness coverage, mortgage protection, workplace benefits, and business-owner risks.
What does a session cost?
Your initial 30-minute consultation is complimentary, with no obligation. If we move forward together, I'll walk you through exactly how I'm compensated before any recommendation is made.
Do you work with my employer's group benefits or group RRSP plan?
Yes — I regularly help clients coordinate personal planning alongside an employer group plan, and I can review your existing group benefits and group RRSP/pension to make sure nothing overlaps or falls through the cracks.
Can you work with me if I'm outside British Columbia?
Yes. I'm licensed to serve clients across BC, Alberta, and Ontario, and most of my planning relationships happen virtually regardless of location.
Do you work with incorporated businesses and their owners?
Yes — from corporate-owned insurance to retained earnings strategy and group benefits for your team, I work directly with business owners to align the business and personal sides of your finances.
Ready when you are
Book a free consultation and leave with a clearer next step.
Start with a 30-minute session for planning questions or a protection review if insurance, mortgage, family, income, or business coverage is your priority.
Contact E2Gee Financial