Most Canadians leave money on the table every year — contribution room unused, tax refunds smaller than they should be, insurance that doesn't match their life. This is a short scroll that fixes that, one idea at a time, with your own numbers.
Vishal Joshi — LLQP & IFC, licensed in Ontario · Mississauga & the GTA
Scroll — four chapters, one plan
Chapter 01 · Order
FHSA — TFSA — RRSPThe FHSA, TFSA and RRSP all shelter your investments from tax — but they pay you back at different moments, and the right order depends on your income. Filled in the right sequence, the order itself can be worth thousands a year. Watch the terraces as you scroll.
Chapter 02 · Grow
Time — Compounding — PatienceHow much should you have invested by the day you stop working — and what does a steady contribution actually grow into? An extra $25 a week rarely changes a life today. Compounded for 30 years at 6%, it's over $100,000.
Chapter 03 · Protect
Income — Family — The gapInvesting builds the future. Insurance makes sure one bad day doesn't take it away. It's the middle of the night in this chapter — watch the house on the horizon, under the moon: when the gap closes, the house stays lit.
Chapter 04 · Talk
Your numbersVishal's licences, his background, and how a first meeting works. First meetings are free, unhurried, and built around your numbers — not a sales pitch.
Index · What this site holds
Four chapters · Three tools
The three tools on this site are educational estimates, not personal advice. Vishal Joshi is a Mutual Fund Representative with PFSL Investments Canada Ltd., a CIRO member dealer, and a Life and Health Insurance Agent licensed by FSRA in Ontario.