Trusted by 50+ Canadian families

Financial clarity, built around your life.

I'm Nickson Mugumbate, helping Canadian families protect, grow, and transfer their wealth by utilizing super-simple, personal strategies.

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2+
Years Experience
50+
Families Served
100%
Independent
Parents with child at home
Independent & Unbiased
Ontario Based
Serving All Canada

Independent Advice

Independent access to multiple leading providers — always in your best interest.

Protection First

Insurance and planning before investing — building a solid foundation.

Clear Next Steps

Always leave calls with a simple, actionable plan you understand.

Trust & Partnerships
Works with major Canadian banks
Access to top-rated insurers
Independent & unbiased guidance
Multiple providers, one advisor
Licensed, compliant, and transparent
Serving Ontario and across Canada
Works with major Canadian banks
Access to top-rated insurers
Independent & unbiased guidance
Multiple providers, one advisor
Licensed, compliant, and transparent
Serving Ontario and across Canada
Works with major Canadian banks
Access to top-rated insurers
Independent & unbiased guidance
Multiple providers, one advisor
Licensed, compliant, and transparent
Serving Ontario and across Canada
Works with major Canadian banks
Access to top-rated insurers
Independent & unbiased guidance
Multiple providers, one advisor
Licensed, compliant, and transparent
Serving Ontario and across Canada

Representative categories only. No specific bank or insurer endorsements implied.

What Zim Financial Offers

Comprehensive financial solutions designed to protect, grow, and transfer your wealth with confidence.

Personalized strategies for every life stage
Independent access to top Canadian providers
Ongoing support as your family grows

Portfolio Growth

+8.4% YTD
TFSA • RRSP • RESP

Coverage Mix

Illustrative
LifeDisabilityCIHealthEstate

Goal Allocation

Sample
Retirement 40%
Education 25%
Protection 20%
Other 15%

Grow Your Wealth

Smart investment strategies with TFSA, RRSP, and RESP accounts that actually work for Canadian families.

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Protect What Matters

Life, health, and disability coverage that gives you peace of mind without breaking the bank.

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Plan Your Future

From your kids' education to your retirement — clear strategies that make sense.

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Business Protection

Keep your business running smoothly with the right coverage and succession planning.

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First Home Savings

Tax-efficient saving for your first home with FHSA — the best of RRSP and TFSA combined.

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Perfect for Canadians who want:

Simple, honest financial advice
To build wealth without the confusion
Peace of mind for their family's future
A partner, not just a salesperson

How It Works

A simple, friendly process designed to get you from uncertainty to confidence in three clear steps.

TFSA/RRSP Balance Trend+8.4% YTD
TFSA
RRSP
RESP
Protection vs GrowthIllustrative
Insurance & Risk
Investments
Cash & Other
From Intro Call to Implement~1–2 weeks
IntroPlanImplement
01

Free 15-Minute Call

A focused conversation about your goals, timeline, and current situation.

  • Goals, budget, and timeline
  • Coverage gaps and priorities
  • Next best step
15m
Intro Call
1–2w
Plan Turnaround
100%
Independent
Friendly consultation conversation
02

Personalized Plan

I'll create a clear, step-by-step strategy tailored to your family's needs and budget.

  • TFSA/RRSP strategy options
  • Insurance recommendations
  • Clear, simple summary
15m
Intro Call
1–2w
Plan Turnaround
100%
Independent
Family planning and strategy
03

Implementation & Support

We'll put the plan into action and I'll be here for ongoing guidance as your life evolves.

  • Provider applications
  • Account setup & funding
  • Ongoing check-ins
15m
Intro Call
1–2w
Plan Turnaround
100%
Independent
Ongoing support and guidance

Ready to take the first step?

Let's start with a simple, friendly conversation about your goals and dreams.

Book Your Free Call

What Clients Say

Real feedback from Canadian families who've found clarity and confidence with Zim Financial.

"Nickson simplified what used to feel overwhelming. Now I feel confident about my family's future."
"Clear, calm, and practical. I finally understand my options and have a plan I trust."
"Professional and patient — highly recommend for anyone starting their investment journey."
98%
Client Satisfaction
24hrs
Average Response
5★
Average Rating
100%
Independent

Ready to get started?

Book your free 15-minute consultation and leave with a clear, actionable plan to protect and grow your wealth.

Book Free 15-Minute CallRead Free Guide
nickson@zimfinancial.ca
Ontario, Canada (Virtual Nationwide)

Frequently Asked Questions

Common questions about working with Zim Financial and getting started with your financial planning journey.

No. The 15-minute consultation is completely free. It's an opportunity to understand your goals and determine the best next steps.
No. I’m independent with access to multiple leading providers, so recommendations are based on what fits you best.
Yes. I'm Ontario-based but serve clients across Canada through secure video calls, phone consultations, and digital document signing.
Protection first, then growth. I believe in building a solid financial foundation with adequate insurance coverage and emergency savings before focusing on wealth accumulation. This approach ensures your investment strategy can weather life's unexpected events while positioning you for long-term success. We start with the basics - protecting your income and family - then layer on investment strategies that align with your goals, timeline, and risk tolerance.
I'm compensated through commissions from the financial products you choose to purchase. This means my services come at no direct cost to you, and I'm incentivized to find solutions that work long-term.
Perfect! Many of my clients are young professionals or families just beginning their financial journey. We'll start with the basics and build from there.

Still have questions?

Let's chat! Book a free 15-minute call and I'll answer any questions you have about your financial situation.

Book Free Call