Services

Protection, growth, and planning — delivered with clarity over jargon.

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

Family financial planning and wealth building

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

Investments & Savings

Build toward your goals with registered accounts (TFSA, RRSP, RESP, FHSA) and investment options that match your time horizon and comfort with risk — simple, transparent, and regularly reviewed.

Who it’s for

New savers and experienced investors
Families planning education and retirement
Professionals optimizing tax-advantaged accounts
Anyone seeking a calmer, long-term approach

Benefits

Low-effort setup with clear next steps

Aligned to your timeline and tolerance for risk

Registered account guidance (TFSA, RRSP, RESP, FHSA)

TFSA

Tax-free growth and flexible withdrawals for any goal.

RRSP

Tax-deferred retirement savings with immediate deduction.

RESP

Education savings with government grants and growth.

FHSA

First home savings with RRSP + TFSA benefits combined.

New: First Home Savings Account (FHSA)

The FHSA combines the best of RRSP and TFSA for first-time home buyers. Get a tax deduction when you contribute and tax-free withdrawals for your first home purchase. Maximum $40,000 lifetime contribution.

Tax deductionTax-free withdrawalFirst-time buyers only

We begin with a short call to understand your goals and accounts you already have. Then we outline simple options.

Yes. We can review current accounts and map transfers where it makes sense, without pressure.

No. This is not an offering of self-directed trading accounts.

Not an offering of self-directed trading accounts.

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Managed Portfolios

Professionally managed portfolios that keep you on track — regular reviews, rebalancing, and clear communication.

Who it’s for

Busy professionals who value simplicity
Investors wanting disciplined risk management
Anyone preferring guidance over day-to-day decisions

Benefits

Disciplined approach with periodic rebalancing

Aligned to your profile — conservative to growth

Regular check-ins and clear reporting

We tailor based on your goals, horizon, and comfort with risk — and review together.

Yes, we re-assess at defined intervals and as life changes.

Not an offering of self-directed trading accounts.

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Insurance & Protection

Protect what matters most with coverage tailored to your family or business — clear options and professional guidance.

Who it’s for

Families protecting income and lifestyle
Business owners safeguarding continuity
Anyone mitigating critical illness or disability risk

Benefits

Life insurance (term/whole) for income protection and legacy

Critical illness and disability coverage for resilience

Independent access to multiple providers through WFG

Term vs Whole

Term for cost-effective protection; whole for lifetime needs and potential cash value.

Critical Illness

Lump-sum on covered conditions to help with treatment and recovery costs.

Disability

Income replacement to help cover living expenses when you can’t work.

We’ll model needs based on income, debts, family goals, and budget to arrive at a practical range.

Premiums depend on product and underwriting. We explain options and how they can change over time.

No. As an independent broker through WFG, we access multiple providers.

Insurance subject to underwriting and approvals.

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Family Planning

Plan with confidence — RESP for education, retirement roadmaps, and estate considerations, all explained in plain language.

Who it’s for

Parents starting RESPs
Families aligning insurance and investments
Couples organizing wills and beneficiaries

Benefits

RESP grant guidance and contribution planning

Calm retirement map with milestones

Simple estate checklists (with professional referrals as needed)

We review eligibility, contribution schedules, and how grants accumulate for your child’s education.

No. We provide planning and refer to legal professionals for wills and POAs.

This is planning guidance only; legal and tax advice provided by licensed professionals.

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First Home Savings Account (FHSA)

The newest registered account in Canada, combining the best features of RRSP and TFSA specifically for first-time home buyers.

Who it's for

First-time home buyers (or haven't owned in 4+ years)
Canadians 18-71 planning to buy their first home
Anyone wanting tax-efficient home saving
Those maxing out other registered accounts

Benefits

Tax deduction on contributions (like RRSP)

Tax-free withdrawals for home purchase (like TFSA)

Up to $40,000 lifetime contribution limit

Annual Limit

$8,000 per year contribution room.

Lifetime Maximum

$40,000 total contributions allowed.

Investment Growth

Tax-free growth on investments within the account.

FHSA gives you both the tax deduction (like RRSP) and tax-free withdrawal (like TFSA). It's specifically designed for first-time home buyers.

You can transfer the funds to your RRSP or TFSA, or withdraw with tax consequences. The account must be closed by age 71.

Yes, you can use both for your first home purchase, maximizing your tax-efficient savings potential.

FHSA subject to eligibility requirements. First-time home buyer definition applies.

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Business Solutions

Protect your people and your plans — key-person coverage, buy-sell funding, and corporate-owned strategies.

Who it’s for

Owners relying on key contributors
Partners needing buy-sell funding
Corporations planning tax-efficient insurance

Benefits

Continuity planning for critical roles

Clear funding paths for ownership transitions

Corporate-owned life insurance options explained

Insurance on vital team members to help offset the financial impact of their loss.

Insurance can fund a buy-sell agreement so remaining owners can buy shares if a partner passes away.

Depends on structure and goals. We explain mechanics and collaborate with your tax advisor.

Insurance subject to underwriting and approvals. Tax matters should be reviewed with a professional.

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No. The 30-minute consultation is completely free.

No. As an independent broker through WFG, we access multiple providers.

Yes. Ontario-based, serving clients across Canada.

Not an offering of self-directed trading accounts. Licensed HLLQP.