

Cash Flow & Purchasing Decisions
At GYW, we understand that you work hard for your money and that you want to enjoy today and your future! This is just not about budgeting or saving, it’s about understanding taxes, dues, and making better decisions about cash, financing, paying down debt, investing or taking that family trip.

Tax Planning
As financial planners, we have a complete picture of your financial affairs. We work hand in hand with your accountant or tax preparer to maximize your tax savings by identifying the right strategies through RRSPs, TFSAs, insurance vehicles, corporations, private health plans, and more – to give the greatest returns now and down the road.

Risk Management
Understanding what could derail your financial plan before it happens, and taking active steps to mitigate the financial damage in case of an unexpected event is a crucial part of a solid plan. We help you explore a range of possibilities and advise you on the right strategies to protect against these risks through emergency funds and insurance solutions.

Estate Planning
No matter what stage of life you’re in – planning your estate will avoid unnecessary hardship for your loved ones. Our comprehensive planning approach informs the proper set up of your will, power of attorney, and medical directive.

Investment Planning
We believe that the best investment portfolio prioritizes the security of your capital. We design and implement strategies to make sure that you avoid the big mistakes and generate realistic returns to support your specific goals.

Retirement Planning
We give you clarity on what you can expect to receive from the Canada Pension Plan and Old Age Security. We help you plan for your target retirement date and desired lifestyle, so you can get on track to maximize your own savings through RRSPs, TFSAs, real estate, work pensions and other investments.

Education Planning
Many parents and grandparents recognize the importance of a post-secondary education for their children’s future. We show you how to save and to help your children and loved ones have the freedom to pursue their dreams and succeed without stress.
Shyam Ganesh
Certified Financial Planner® & CEO
Venu Gopal
Financial Planning & Insurance
Deepa CL
Financial Planning & Investments
Shamiah Cumberbatch
Customer Relationship Manager