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Zoho Financial

Multiple locations

(23)

Get a free quote from this professional

4 min response time

Get a free quote from this professional

‘21 Certificate of Excellence, 2021

About

- Multiple Award-winning Financial Advisor
- 2020 Top 20 DFS Independent Network Advisors in Canada
- 2021 Financial Advisor of the Year
- 2020 Top Insurance Advisor

- What is the difference between working with “an advisor” and a “top financial advisor”?

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6 hires on Bark
4 min response time

Photos (5)

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Reviews (23)

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5/5

23 customer reviews

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9 November 2021

Very knowledgeable and helpful advisor, top notch service and follow-ups too. I like the simplicity of the planning that I can understand in simple ways. Highly recommended.

Zoho Financial
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Reply from Zoho Financial

Thank You Joanna! We really appreciate your business and your review. We look forward to working with you in the long-term.

5 October 2021

A pleasant surprise with Harpreet. Very knowledgeable, pro active and quick to respond. Highly recommended.

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Reply from Zoho Financial

Thank You Richard for your review.

Verified
18 September 2021

Financial Advisors

Excellent financial advisor. Truly knows the financial markets (unlike the big banks) and listens to your needs. Harpreet will guide you and make the best plan according to your financial needs. Highly recommend Harpreet/Zoho Financials. More...

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Reply from Zoho Financial

Thank you so much Vikas for taking the time. Im looking forward to building upon our current work to a long-term professional journey together.

17 September 2021

Comparing my experience with Harpreet and my bank (where I paid fee but zero advice) is a complete contrast. I exactly know what I’m investing in and why. I exactly know where we are going with my plan and I know that I can contact my advisor on a personal level at even short notice. Thank you Harpreet! More...

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Reply from Zoho Financial

Thank You Sam! We are grateful for your review and it meets our goal of having happy & educated clients.

17 September 2021

Excellent knowledge, top customer service, highly recommended.

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Reply from Zoho Financial

Thank You Julie! Really appreciate your kind & succinct review.

12 August 2021

I have moved from private banking of a big bank, and I’m shocked that I’m getting an even better service for free that I was paying over $150/month for. My own financial advisor, available for advice at my fingertips and customizing my portfolio. I should have done this years ago. More...

12 August 2021

As a newcomer and my level of knowledge with finances and insurance, Harpreet made me feel very comfortable, built instant rapport and I could trust him. I like that he doesn’t look down on you for your lack of knowledge or silly questions. More...

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Reply from Zoho Financial

Thank you Diptesh! Happy to help you and your family, its always a pleasure to watch newcomers settle, grow and contribute to our great country.

12 August 2021

My focus is on climate change, ethical investments, responsible investing and after meeting with a few other advisors, it was clear that Harpreet is way ahead of the pack in understanding my needs, in his knowledge of esg and his approach towards me. I’m happy to hire him and looking forward to working with him. More...

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Reply from Zoho Financial

Thank You Sherry! And thank you for your awareness about climate change. We are learning from you.

21 July 2021

Excellent advice by Harpreet, glad to have found Zoho Financial. Determined my life insurance needs and explained very clearly.

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Reply from Zoho Financial

Thank You Mandeep, appreciate your review.

16 July 2021

Excellent Advice. Knowledgeable and explains very well.

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Reply from Zoho Financial

Thank You Abha. Looking forward to continue working with you.

14 July 2021

Superb experience. Dealing with Harpreet have been impressive. As a new immigrant, I needed a lot of advice and he is very patient with me. Responds on time and has delivered so far. I have already recommended to my friends. More...

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Reply from Zoho Financial

Its been a pleasure Sai! And not only we appreciate your review, but also your recommendations to other friends too.

14 July 2021

Very happy with the way Harpreet explained investment strategy and made me understand my priorities. He also gave me space and time to decide my big move. I am also happy to see that he is looking after my interests and giving very independent advice. Highly recommended. More...

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Reply from Zoho Financial

Thank you Stephen. Your kind words are a motivation for us to work harder and take even better care of our clients.

9 June 2021

Excellent service, response time and the most knowledgeable advisor I have ever met. And Harpreet is genuinely interested in educating, not selling anything.

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Reply from Zoho Financial

Thank you Sandra! Being a Professor helps me to continue educating. Happy that I can add value to your conversations.

26 May 2021

As a retired person, I found it to be very hard to get used to this new world of online advice. With my old advisor retired, Zoho Financial team made me feel comfortable, advice has been very high quality and I can definitely trust Harpeet.

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Reply from Zoho Financial

Thank you for your review Elizabeth. It means a lot to us that you took the time to write these kind words. Hoping to continue being able to help you.

22 May 2021

Dealing with Harpreet with my retirement savings. It has been a pleasant experience so far. He has given me a comprehensive plan with options on when to mature my money and when to grow.
If you are looking at retirement planning, you will find him to be creative and intelligent.
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Reply from Zoho Financial

Thank you Daniel and I am glad to being able to help you.

8 May 2021

Very unbiased advice and transparency. I could trust you in our first meeting itself and that’s the most important factor for me. I also like the collaborative approach instead of pushing ideas down to me. Highly recommended. More...

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Reply from Zoho Financial

Thank you Samir for your compliment. We look forward to working closely for years to come.

6 May 2021

I’m super happy with Harpreet’s service. As a young professional starting my financial life, I needed a lot of convincing and education before I could commit myself. The best part is that he genuinely cares and looks after your best interest. More...

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Reply from Zoho Financial

Thank you for your kindness Moe. Its always a pleasing exoerience to be able to help someone who is keen to learn.

16 April 2021

Professional and full of knowledge. Good advice with transparency. Really appreciate that Harpreet takes time to explain and educate. Highly recommended.

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Reply from Zoho Financial

Thank you Jim. We are honoured to serve you and your family. And your compliments are highly appreciated by us.

14 April 2021

My experience has been nothing short of spectacular with Harpreet & ZohoFinancial. His knowledge is almost overwhelming, and I almost feel why I never knew any of that? But the good part is, he is keen on educating me, and giving me good advice. My accounts are all moving to him already, and so are my partner’s. We got the top overall advice so far. My best discovery of a professional ever. More...

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Reply from Zoho Financial

Thank You Tony. Really appreciate your positive review. We will continue to work hard to provide you the best service & advice (and try not to overwhelm you next time 😎)

9 April 2021

Prompt response, very knowledgeable, professional and unbiased advice. Totally trustworthy. Highly recommended.

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Reply from Zoho Financial

Thank you Sarah. Appreciate your positive feedback.

5 April 2021

I want to write about Harpreet and his awesome advice without trying to hard sell any products to me. My portfolio is very small and I only contacted him out of curiousity. Despite of knowing my situation, he still devoted a lot of time to advice me and ensure that I understood my options well. His financial model was super easy to understand and I am now more clear than ever on my objectives. I appreciate his honesty and work ethic and that is my only reason to review.
I haven't hired him yet because of my own slow action and responses, but whenever I hire an advisor, it will be no other than Harpreet.
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Reply from Zoho Financial

Thank you Maggie! We look forward to you joining our experience soon.

29 March 2021

I literally read an article on "Top 10 Things you should ask before you choose a financial advisor" and then I had a meeting with 8 of the advisors that I had shortlisted.
Harpreet from Zoho Financial seems to have read that article before me, because he was spot on with every question, he took time to explain how he makes money, he explained the difference between various options, he took time to ask me about my goals and he was very transparent with his responses.
I have started working with him after thorough research and I can see why he is a top advisor.
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Reply from Zoho Financial

Thank you Ashley for your honest review. I must find and read that article now :-) Our core values are Care, Trust, Engage and Learn; so transparency & honesty with unbiased advice are key components of our business. Thank you for your trust.

20 March 2021

Harpreet and his team at Zoho Financial were very professional. He took time to answer my questions and confirmed multiple times before proceeding further. I also applaud him for not being pushy and salesy, at no point did I feel the typical pitches and tactics to sell anything.
I am now in the process of moving my investment portfolio from big bank branch to under his management.
Highly recommended.
More...

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Reply from Zoho Financial

Thank you Ron for your business and more importantly, for taking the time out to review our services. This means a lot to us.

Q&As

1. Transforming people’s lives by helping them achieve financial peace and happiness.
2. It’s super gratifying when small tips on financial planning bring big positive changes in long-term.

I’m a serial entrepreneur, this being my 4th successful venture on 3rd continent. I had my first business, an advertising agency at the age of 21, sold it at 24 and moved to UK. Then we started our own management consulting firm that was bought over by a larger firm after 4 years in operation. And then a Business Consulting firm in Canada that slowly expanded into Financial Services and is now a full-service top Financial firm.

1. Our core values are the most important asset that differentiate our practice from the others.

CARE
We care for our clients, their families and our communities. Client First is not a buzzword for us, but we live it every moment.

TRUST
Client Confidentiality, treating everyone with Respect, advising with Honesty, Transparency and Integrity are our keys to building trust and long-term relationships with our clients.

LEARN
We believe in Financial Education for our clients, our community and especially our children and youth. We are life-long learners ourselves, continuously updating and upgrading our knowledge.

ENGAGE
We always work in collaboration with our clients. We believe in community engagement and playing our part in nation building and stronger communities.

2. Our range of services, depth of knowledge & expertise, variety of investment & insurance products offered gives you a holistic overview of your financial health, and allows you to choose what’s the best and most suitable for you.

3. The independent nature of our advice means you’re not forced to choose only a particular bank or insurance company to fulfill your needs. Instead, as an independent platform, we have access to 27 life-health insurers, over 80 investment fund companies and thousands of products without any bias towards any particular one.


1. Over 95% of our business is now conducted online, predominantly via Zoom/Microsoft Meetings/Google Meet. Regulatory changes in Investment and Insurance world have now allowed us to use electronic signatures, verifying identity online and other such measures that have made it convenient for both clients and advisors to build relationships remotely. (The only exceptions are some government documents such as RESP grant forms or Transfer forms that still need to be signed, scanned and sent back).

2. We are making it very simple for our clients to communicate with us via email, phone, text, WhatsApp, telegram, Facebook messenger and any other means that clients find convenient for them. This also means much quicker responses to your queries instead of waiting endlessly for an email that may end up in your spam/junk folder.

3. Currently, we serve clients from Windsor, Waterloo to GTA; to Barrie & North Bay; to Kingston, Cornwall and Greater Ottawa region; and Sudbury to many other small northern Ontario towns.

1. Remote meetings, electronic signatures, enhanced communication and use of various electronic/social media to communicate.
2. We still operate out of our office, though most of our administrative staff are still working remotely. We are definitely following the updated guidelines and operating safely out of our offices.

Services

Plan and implementation of retirement goals including advice and help on RRSPs, TFSAs, Annuities.

We also specialize in Insurance Retirement Planning and Individual Pension Plans (IPP) for self-employed professionals.

Estate Planning for families, Real Estate and Investment Owners to plan their assets, Multi-generational wealth transfer.

Registered Education Savings Plans and long-term plans to save for children’s higher education.

Evaluating the risk for families and business owners. Needs’ analysis for life & health insurance, living benefits and provide independent advice to choose the most suitable insurance products from all major Canadian insurers.

Discuss Responsible Investments (RI) and your contribution to help global climate change, environmental and ethical business issues.
We help you invest in RI instruments without compromising growth and we strive to provide a good balance of ESG with profitability in investments.

We work closely with you and your accountants to work on long-term tax planning, efficient use of retirement funds to minimize taxes, planning for real estate investors, professional, family business owners to optimize their resources and plan taxes for long-term.

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