Most families end up with insurance bought at one stage of life, investments opened at another, and a will drafted years ago by a different advisor entirely. We bring those pieces into one coordinated plan, and make sure the people you trust know exactly where to find it.
A policy bought in your twenties. An RRSP opened because a colleague suggested it. A will signed before your youngest was born. Each choice made sense at the time — but rarely does anyone step back and check whether they still fit together.
Coverage and investments chosen years apart, by different people, for different reasons.
A spouse or adult child who wouldn't know which advisor to call, or where the paperwork lives.
An estate plan that technically exists, but hasn't been reviewed since the day it was signed.
Decisions made product by product, with no one checking how they interact.
Our first conversation is rarely about a product. It's about understanding what "covered" and "prepared" actually mean for your household.
Nitin Garg, Founder & Principal AdvisorWe don't sell one thing at a time. We look at how your protection, savings, and estate plans interact, then help you close the gaps — with your own lawyer and accountant kept in the loop.
Getting the basics right first: appropriate protection, a savings and investment strategy, and a retirement and education runway that actually matches your timeline.
Making sure what you've built reaches the people and causes you intend — efficiently, and without avoidable conflict between beneficiaries.
For business owners and incorporated professionals, aligning what happens inside the corporation with what happens in your personal financial life.
Every plan we build has a face behind it — a couple weighing early retirement, parents coordinating care for aging parents, a founder figuring out how the business and the family finances fit together. We keep that person in view at every step, not just the numbers.
Nitin Garg founded NZT Financial Solutions after a long career in Information Technology and an MBA from the Rotman School of Management — bringing the same structured, problem-solving approach to financial planning.
No pressure, no product pitch — just a clear look at where your family stands today.