Comprehensive Financial Planning
A practical plan that connects your income, expenses, savings, debt, investments, protection needs, retirement goals, and family priorities.
Learn moreLocal planning
Financial Planner Serving Vancouver, BC
Based in Langley, BC, Dr Sahej Karwar provides plain-language financial planning and financial literacy guidance for individuals, families, newcomers, students, and small business owners across Metro Vancouver and the Lower Mainland, with services also available across British Columbia, Alberta, and Ontario.
Budgeting, Debt, And Cash Flow
Create a realistic system for everyday money decisions, debt repayment, emergency savings, and short-term goals.
Learn moreInsurance And Protection Planning
Understand life, disability, critical illness, mortgage, and business protection options so your family, income, and goals are not left exposed.
Learn moreRetirement And Investment Planning
Plan for long-term savings, retirement income, registered accounts, risk comfort, and investment decisions that match your goals.
Learn moreEducation And Newcomer Financial Literacy
Plain-language guidance for Canadian banking, credit, TFSA, RRSP, FHSA, RESP, insurance, taxes, and first-year money decisions.
Learn moreSmall Business Planning
Connect business and personal finances through cash flow, tax-aware planning, risk management, succession, insurance, and owner goals.
Learn moreFAQ for BC, Alberta, and Ontario clients
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.
Do you work with newcomers to Canada?
Our primary focus is professionals and business owners, but we're happy to help newcomers with foundational guidance as well — plain-language basics on Canadian banking, credit, registered accounts, and insurance.
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.
Can meetings happen virtually?
Yes. Meetings are available by Zoom for clients across BC, Alberta, and Ontario, with in-person options in the Langley and Surrey, BC area and virtual support available Canada-wide.
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.
What should I prepare before the first call?
Bring your main questions, goals, current debts or mortgage details, existing coverage if relevant, and any upcoming life changes such as buying a home, starting a family, changing jobs, or growing a business.