.Series · 2026
Money, explained over coffee.
My side series that breaks financial planning down into simple words.
150+
Householdsas their planner
C$10M+
In client assetsKYC and suitability on every file
30%
AUM growththrough consolidation and referrals
8yrs
In client-facing finance & serviceHong Kong and Canada, 2015 to 2025
About
Trust is built client by client, in the language each family speaks.
Where it started
Hong Kong
I grew up here and started in banking, opening accounts with full KYC.
Where I learned to plan
Canada
Senior Advisor at Khalsa Credit Union, then planner to 150+ households at Coast Capital Wealth.
Now
Houston
Moved in 2026. Pursuing U.S. certification through CFP Board's Accelerated Path.
Listen to the whole household first. Then write the plan in everyday words.English ਪੰਜਾਬੀ Punjabi हिंदी Hindi Cantonese limited working
Selected work.2023 to 2026
A money series, a sourced guide, my planning process and the client book I looked after.
Canada → Texas money move.No. 01
CanadaUnited States
RRSP · RRIFIRA · 401(k)
TFSARoth IRA
RESP529 plan
Closest U.S. counterpart by purpose. The tax treatment differs.
What happens to an RRSP, TFSA and RESP when a household moves to Texas.
How I build a plan.Process
Four steps, from first conversation to annual review.
A 150-household client book.2023 to 2025
150+
30%AUM growth
households
C$10M+
in client assets
Planner to 150+ households, with KYC and suitability on every recommendation.
How I plan.
The same four steps for every household.
01
Listen
Discovery, values and the whole household.
02
Map
Cash flow, balance sheet, goals and risk.
03
Plan
Prioritized, plain-language recommendations.
04
Review
Annual reviews and life events. Every file audit-ready.
Experience.
Canadian account names come with their closest U.S. counterpart.
Eastern Bank
Diploma
Carry Telecom
Khalsa CU
Coast Capital
FP Canada · BBA
Professional development Houston, TX
2025 to now
Certification & BBAthe credential year
- Certified by FP Canada, January 2026
- BBA (Finance), Okanagan College, April 2026
- Moved to Houston, Texas, 2026
Coast Capital Wealth Management Surrey, BC
2023 to 2025
Associate Financial Plannerwealth division of one of Canada's largest credit unions
- Planner to 150+ households with C$10M+ in assets
- Contributed to 30% AUM growth through consolidation, referrals and centers of influence
- Planned across RRSP/RRIF (≈ IRA/401(k)), TFSA (≈ Roth IRA), RESP (≈ 529) and RDSP (≈ ABLE)
- KYC, know-your-product and suitability on every recommendation; audit-ready files
Khalsa Credit Union Surrey, BC
2021 to 2023
Senior Advisorpromoted from Advisor
- Plans for members at every life stage: income, debt, savings and retirement
- Brought held-away assets in from other institutions; engaged high-net-worth members
- Served members in English, Punjabi and Hindi
Carry Telecom Toronto, ON
2018 to 2021
Sales Managergrowth & retention
- Grew the customer base about 58% in 2.5 years
- Owned escalations, including regulator-referred (CCTS) cases
- Employee of the Month, three periods in a row
Eastern Bank Limited Hong Kong
2015 to 2016
Finance Officerwhere it started
- Monthly general-ledger and bank reconciliations
- Opened personal and business accounts with full KYC
- Supported internal audit
Expertise.(4)
Whole-household planning, with compliance built in.
Retirement & income
Income and cash-flow plans for every life stage.
Tax-aware investing & accounts
Registered and taxable accounts, reviewed and consolidated.
Estate, insurance & family
Estate, insurance needs and education funding, planned together.
Client experience & compliance-grade files
KYC and suitability on every recommendation.
Examined, certified and still learning.
Certified in Canada, working toward U.S. certification.
Certified to advise on Canadian financial planning matters by FP Canada™, an Affiliate of Financial Planning Standards Board Ltd. (January 2026)
In progress Pursuing U.S. certification through CFP Board's Accelerated Path
Bachelor of Business Administration, FinanceOkanagan College, BC2026
Canadian Securities Course (CSC)CSI2018
Diploma in FinanceFanshawe College, ON2018
Money, explained over coffee..
Plain-language notes that break financial planning down into simple words.
Moving from Canada to Texas: what happens to your RRSP, TFSA and RESP
Read the noteEducational only. Not investment, tax or legal advice.
Questions
Questions.
For hiring managers and recruiters.
How does Canadian planning experience translate to the US?
The process is the same: discovery, cash flow, goals, risk, recommendations, review. Most Canadian accounts have a close U.S. counterpart, even where the tax rules differ.
KYC, suitability and audit-ready files carry straight over. I'm pursuing U.S. certification through CFP Board's Accelerated Path.
What roles are you exploring?
Salaried planning roles on a team, such as financial planning analyst, associate planner or wealth planning associate, at banks, investment firms and RIAs in Houston or remote.
What's your planning philosophy?
Start with the household, then the money. Put the plan in order so people know what to do first, and review it every year or when life changes.
Do you work with clients in Punjabi and Hindi?
Yes. At Khalsa Credit Union I served members in English, Punjabi and Hindi. I also have limited working Cantonese from growing up in Hong Kong.
Beyond the desk
Junior Achievement
Mentor, youth financial literacy.
Free kitchen, seva
Serving langar, where everyone eats as equals.
Hong Kong Red Cross
Volunteer in the city where I grew up.
Community roots
Tree planting and local organizing.
let's talk.
Open to associate and planner roles in Houston or remote. Email is quickest.