A family meeting with a financial advisor in a bright office

Insurance, investments, mortgages, and planning

Build a protected, confident financial life in Canada.

Prosper helps families, newcomers, professionals, and business owners compare options, protect income, plan taxes, and move toward long-term wealth with clear guidance.

Start with a free consultation Call +1 647 717 5805

15+: planning areas supported
1:1: licensed advisor guidance
CA: Canada-focused advice

Protect Life, critical illness, disability, health, and travel coverage.

Grow RRSP, TFSA, RESP, non-registered, and retirement planning.

Settle Newcomer-friendly support for insurance, credit, mortgages, and taxes.

Why Prosper

Practical financial advice for real Canadian decisions.

Prosper centres on broad financial services, protection planning, literacy, and support for clients navigating life in Canada. The experience is designed to be clear and practical: plain-language options, coordinated advice, and review points as your family, tax, business, or settlement needs change.

Services

Coverage, planning, and financing under one roof.

Choose focused help for one decision, or build a complete plan that connects protection, borrowing, savings, taxes, and family goals.

Life & Living Benefits Insurance

Term life, permanent life, critical illness, disability, super visa, travel, and health coverage.

Investment & Retirement Planning

TFSA, RRSP, RESP, FHSA, retirement income, education savings, and goal-based portfolios.

Mortgage & Real Estate Guidance

Pre-approval preparation, mortgage strategy, refinance conversations, and home-buying readiness.

Tax & Estate Coordination

Tax-aware planning, beneficiary reviews, estate conversations, and family protection reviews.

Business Owner Planning

Key person coverage, shareholder planning, group benefits, corporate insurance, and succession basics.

Newcomer Settlement Support

Insurance, savings, credit, tax, and family finance guidance for people starting fresh in Canada.

Protection

Insurance Services

Insurance planning starts with income, debt, dependants, health, travel plans, and business obligations. Prosper helps review suitable protection for Canadian families, newcomers, visitors, homeowners, and business owners.

Life Insurance Products: education on term, whole life, universal life, final expense, and family-protection use cases.
Term Life Insurance: affordable coverage for a defined period, often used for mortgage, income, and family protection needs.
Whole Life Insurance: permanent life insurance with lifetime coverage and policy values, subject to product terms.
Universal Life Insurance: flexible permanent coverage that can combine insurance protection with investment-style account options.
Final Expense Insurance: coverage intended to help family manage funeral, final bills, and immediate estate costs.
Critical Illness Insurance: lump-sum style protection for covered illnesses as defined by the policy.
Disability Insurance: income-replacement protection when illness or injury affects your ability to work.
Disability and Critical Illness Insurance: coordinated coverage conversations for both income disruption and major health events.

Savings

Investment Guidance & Registered Accounts

Canadian investment planning often blends registered accounts, non-registered accounts, risk tolerance, time horizon, taxation, and family goals. Prosper helps explain the account types and investment options before a client chooses a strategy.

Investment Options: education on eligible account types, risk level, time horizon, product costs, guarantees, liquidity, and tax treatment.
TFSA: a Tax-Free Savings Account can hold eligible investments, and qualifying withdrawals are generally tax-free; withdrawals are added back to contribution room the next calendar year.
RRSP: a Registered Retirement Savings Plan is commonly used for retirement savings and tax-deferred growth, with deductions limited by your CRA RRSP deduction limit.
FHSA: a First Home Savings Account is for eligible first-time home buyers saving to buy or build a qualifying first home in Canada, up to CRA limits.
RESP: a Registered Education Savings Plan helps save for a child’s education after high school and may access government education incentives such as the Canada Education Savings Grant.
Non-Registered Investment Account: a flexible account for savings beyond registered-plan limits, with taxable income and gains.
Segregated Funds: insurance-based investment contracts that may offer maturity or death benefit guarantees, subject to contract terms.
Retirement Planning: coordinated planning for RRSPs, TFSAs, pensions, insurance, estate needs, and retirement income timing.

Business

Business, Group Benefits & Global Financial Impact

Owners and professionals need planning that protects people, cash flow, and continuity. Prosper supports practical conversations around insurance, benefits, succession, and the wider financial impact of decisions on family, employees, and business value.

Key Person Insurance: protection planning for the financial risk created if a crucial owner or employee dies or becomes seriously ill.
Group Benefits: employee benefit conversations covering health, dental, disability, life, and wellness-style options where available.
Financial Services: coordinated insurance, investment guidance, planning, and education for households and businesses.
Global Financial Impact: planning discussions that consider cross-border family obligations, dependants abroad, settlement goals, and legacy impact.

Tax & Estate

Estate Planning, Taxation Literacy & Training

Estate and tax conversations should be coordinated with qualified legal and tax professionals. Prosper helps clients organize questions, understand concepts, and identify where specialist advice is needed.

Estate Planning: beneficiary reviews, liquidity needs, final expense planning, and family-protection conversations.
Taxation Literacy and Guidance: plain-language education on registered accounts, deductions, taxable investment income, and planning tradeoffs.
Financial Literacy and Training: workshops and one-to-one education for budgeting, protection, investing basics, tax season readiness, and newcomer finance.
Financial Planning: cash flow, risk protection, investment guidance, retirement, estate, and tax-awareness brought into one planning conversation.

Home & Canada

Real Estate, Landing Services, Settlement & Travel

Canada-focused planning includes the financial steps around arriving, travelling, buying a home, protecting a household, and keeping documentation organized.

Real-estate Service: mortgage-readiness, down-payment account education, protection planning, and home-buying coordination.
Home Insurance Needs Analysis: review of property, liability, mortgage, family, and emergency-reserve considerations.
Landing Services and Settlement: practical financial orientation for newcomers, including insurance, banking conversations, savings accounts, tax basics, and family planning.
Super Visa Insurance: medical insurance guidance for parents and grandparents preparing a super visa application, including the requirement for proof of private health insurance valid for at least one year from entry.
Visitor Insurance Canada, Travel Insurance, and Travel: coverage conversations for visitors, returning residents, students, and families travelling outside Canada.

Approach

Advice that starts with your actual life.

Prosper begins with your family, income, obligations, timeline, and comfort with risk. From there, we compare suitable options and help you understand the tradeoffs before you commit.

Discover We map your current situation, priorities, gaps, and deadlines.
Compare You see suitable coverage, savings, mortgage, or planning options in plain language.
Implement We help complete applications, coordinate documents, and keep the next step clear.
Review Your plan is revisited as income, family, tax rules, or goals change.

New To Canada

Start strong with guidance built for settlement realities.

Moving to Canada creates a long list of financial decisions at once. Prosper helps you prioritize the essentials: visitor or super visa insurance, family protection, registered savings accounts, credit and mortgage readiness, home insurance needs, travel coverage, and tax-season organization.

Talk to an advisor

Super visa and travel medical insurance

Family protection and income replacement

Registered savings accounts and education planning

Mortgage readiness and credit-building conversations

"The right financial plan is not the thickest binder. It is the one you understand, can afford, and can keep improving as life changes."

Prosper advisory principle

Plain-language reviews No pressure, no maze of jargon.

Provider comparison Options are evaluated for fit, cost, and flexibility.

Family-first planning Advice considers dependants, debt, cash flow, and goals.

Our Team

Guidance from professionals who understand protection, planning, and tax realities.

Prosper brings together financial protection and tax planning support so clients can make decisions with a clearer view of both today’s needs and tomorrow’s obligations.

Vikas Gupta

Licensed Financial Advisor, LLQP

Vikas helps clients review insurance needs, compare suitable protection options, and connect financial decisions to long-term family and business goals.

Priyanka Prasad

Tax Planner and Consultant

Priyanka supports clients with tax-aware planning conversations, organization, and practical guidance for families, newcomers, and professionals.

FAQ

Common questions before the first call.

Is the first consultation free?

Yes. The first conversation is designed to understand your goals and determine whether Prosper can help.

Can I get help if I only need insurance?

Yes. You can use Prosper for a single insurance decision or a broader financial plan.

Do you support newcomers and super visa coverage?

Yes. Prosper can help with super visa insurance, travel medical coverage, and settlement-focused planning.

What should I bring to the first meeting?

Bring your goals, rough income and debt picture, current policies if you have them, and any deadlines you are working toward.

Book A Consultation

Let's make the next financial decision clearer.

Share a few details and Prosper will follow up to schedule a conversation. For urgent insurance or mortgage timelines, call directly.

+1 647 717 5805 info@getprosper.ca Serving Ontario and clients across Canada virtually