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Ontario · Alberta · BC · Nova Scotia · Saskatchewan · English & Punjabi

Your Financial
Future Engineered.
With precision & care.

Independent financial consulting for business owners, professionals, and families across Ontario. Investments, insurance, estate and corporate planning — built around your life.

📅 Book Free 30-Min Call 💬 WhatsApp Now View All Services
4+
Years Experience
200+
Clients Served
8+
Services
Bobby Gulati Financial Consultant
Bobby Gulati
Financial Consultant · Experior Financial
InvestmentsInsurance EstateCorporate RRSP · RESPRetirement
Available for consultations
About Bobby

Your Advisor.
Not a Sales Rep.

I'm Bobby Gulati — an independent Financial Consultant based in Etobicoke, Ontario. I help business owners, entrepreneurs, and families build, protect, and grow their wealth with intention and strategy.

Unlike advisors tied to one institution, I work across multiple carriers — meaning you always get the best solution for your situation, not just what's convenient for a company's bottom line.

"My job isn't to sell products. It's to ensure you understand exactly what you're protected for — and what opportunities you may be leaving on the table."

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Licensed in 5 ProvincesOntario, Alberta, BC, Nova Scotia & Saskatchewan
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Bilingual — English & PunjabiProudly serving diverse communities across Ontario
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Corporate & Estate Planning SpecialistEstate freezes, LCGE, IPP, Corporate Estate Bond & more
🛡
Protection First
Your family and business protected before we grow — because the foundation comes first.
📈
Strategic Growth
Tax-efficient strategies built for long-term wealth accumulation and compounding.
🏛
Legacy Planning
Preserve and transfer your wealth to the next generation with clarity and intention.
🤝
Always Independent
No quotas. No bank pressure. 100% built around your best interests.
What I Offer

Eight Services.
One Trusted Advisor.

From your first investment to your estate — every strategy is custom-built around your life and goals. No templates, no one-size-fits-all.

01
📊
Investments
Mutual funds, segregated funds & managed accounts built around your risk profile, timeline, and tax situation.
Learn more →
02
🛡
Life Insurance
Term, whole life & universal life — protecting your family, your business, and your legacy.
Learn more →
03
🩺
Living Benefits
Critical illness, disability & long-term care so your income stays protected if health fails.
Learn more →
04
👶
Kids Plans & RESP
Education savings and child insurance that compound alongside your children's future.
Learn more →
05
💰
RRSP & TFSA
Maximize tax-sheltered growth with the right contribution strategy and investment mix.
Learn more →
06
🌅
Retirement Planning
RRIFs, annuities, and pension strategies so you never outlive your money.
Learn more →
07
🏛
Estate Planning
Freezes, trusts & transfer structures that minimize probate and maximize legacy.
Learn more →
08
🏢
Corporate Planning
IPPs, COLI, buy-sell agreements & LCGE strategies for incorporated business owners.
Learn more →
4+
Years Experience
200+
Clients Served
8
Services Offered
24h
Response Time
Professional Partnerships

Better Outcomes Through Collaboration

I work alongside other professionals to ensure clients always get the full picture. Let's build something together.

🏠
Mortgage Brokers
Your clients need life and disability coverage when taking on a mortgage. I complement your work by ensuring they're protected from day one — keeping them as your clients while adding real value.
Let's Partner →
📊
CPAs & Accountants
Your clients ask about RRSP contributions, corporate insurance, and estate strategies. I become the specialist you trust — seamlessly extending your practice without losing your client relationship.
Let's Partner →
⚖️
Lawyers & Notaries
Estate planning pairs naturally with insurance and beneficiary structures. Together we deliver a complete plan — not fragments. Your clients get comprehensive coverage and we both add more value.
Let's Partner →
🏡
Realtors
First-time homebuyers need protection plans, life insurance, and full financial setup. A referral from you means they get full support beyond the transaction — and they'll remember you for it.
Let's Partner →
💼
HR Teams & Employers
I run financial literacy sessions for your employees — covering retirement, protection, and wealth building. No pitching, just genuine education that improves financial wellbeing at your workplace.
Let's Partner →
🌐
Business Coaches
Your clients are building businesses and need financial protection to match. From key-person insurance to corporate planning, I handle the financial side so you stay focused on growth.
Let's Partner →
Community Events
Free Financial Literacy Workshops
Open to everyone. No products. No sales pitch. Just honest, practical money education for your community — in English and Punjabi.
📍 Etobicoke & GTA
🌐 Online & In-Person
🗣 English & Punjabi
💡
RRSP & TFSA BasicsUnderstanding registered accounts & maximizing returns
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First Home Buyer ClinicFHSA, mortgage protection, and financial readiness
👨‍👩‍👧
Family Protection WorkshopLife insurance, critical illness, and estate basics
Community First

Financial Education
for Everyone.

I believe everyone deserves access to honest financial education — not just those who can afford a private advisor. That's why I run free community events across Ontario.

🎯
No Pitch, Ever

These sessions are 100% educational. I never sell products at community events — just share knowledge that helps people make better decisions.

🌍
Culturally Inclusive

Sessions in English and Punjabi, designed for newcomers, young professionals, and established families alike.

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GTA-Wide & Online

Events across Etobicoke, Brampton, Mississauga, and virtually — wherever your community is, I'll show up.

Invite Me to Your Community →
Why Bobby Gulati

I Work For You.
Not the Company.

01
Truly Independent

I compare across multiple carriers — you always get the right solution, not the convenient one.

02
Education Before Everything

You'll understand every recommendation before signing. No jargon, no pressure — just complete clarity.

03
Holistic Financial View

Insurance, investments, tax, estate — one cohesive strategy built around your full financial picture.

04
A Partner for Life

Annual reviews, life changes, new goals — I'm with you every step. Not just at the sale.

★★★★★
"
Bobby completely transformed how I think about my corporation's finances. He found strategies I never knew existed — Corporate Estate Bond, buy-sell structuring, all of it. I sleep better at night knowing I'm properly covered.
Harpreet S.
Business Owner · Brampton, ON
How It Works

Simple. Clear. No Pressure.

Four steps from first conversation to financial confidence.

1
📞
Free 30-Min Call
A relaxed conversation. Where you are, where you want to go. No paperwork, no pitch.
2
🔍
Financial Review
Full picture assessment — coverage gaps, tax exposure, investment alignment.
3
📋
Custom Strategy
Your personalized roadmap — protection, growth, and legacy engineered around your real life.
4
🤝
Ongoing Partnership
Annual reviews, always one call away. Your financial partner — for life.
Client Reviews

Real Words.
Real Results.

★★★★★

"Bobby completely transformed how I think about my corporation. He found strategies I never knew existed — the Corporate Estate Bond, buy-sell structuring, all of it. I sleep better knowing I'm protected."

HS
Harpreet S.
Business Owner · Brampton, ON
★★★★★

"As a new family we had no idea where to start. Bobby walked us through RESP, life insurance, and TFSA in plain language — zero pressure, total education. He's the kind of advisor you refer everyone you care about to."

SK
Simran & Arjun K.
Young Family · Mississauga, ON
★★★★★

"I was months from retirement with no real plan. Bobby restructured my RRSP drawdown, set up my RRIF correctly, and gave me real peace of mind. I now know exactly what I'll have every single month."

GM
Gurjit M.
Retired Professional · Oakville, ON
★★★★★

"I came to Bobby with a growing construction business and zero financial structure. Within two meetings he had my corporate insurance sorted, RRSP started, and a proper estate plan in place — all in plain English. Life-changing advice."

DW
David W.
Construction Business Owner · Mississauga, ON
★★★★★

"As a self-employed consultant I thought financial planning was only for corporations. Bobby changed my perspective. He set up my TFSA, got me proper disability coverage, and walked me through an estate plan I actually understood."

MH
Michael H.
Independent Consultant · Toronto, ON
★★★★★

"What sets Bobby apart is he actually listens. He spent two full meetings understanding my situation before making a single recommendation. That level of care is genuinely rare in this industry."

RP
Rajinder P.
Business Owner · Etobicoke, ON
Referral Program

Know Someone Who Needs
a Financial Plan?

Send them my way. I'll treat them with the same care and professionalism I bring to every client.

👨‍👩‍👧
Refer a Friend or Family
Know someone stressed about finances, with no insurance, or wanting to invest? A simple introduction can genuinely change their financial life.
🏢
Refer a Business Owner
Know an incorporated owner without a proper corporate plan, estate strategy, or buy-sell agreement? They need to talk to me. Seriously.
🤝
Professional Referrals
Mortgage brokers, realtors, lawyers, and CPAs — if our clients overlap, let's create a formal referral relationship. Everyone wins.
01
Make the Introduction

Share my contact or send them this website. WhatsApp works great — 437-996-9575.

02
I Take It From There

I'll reach out personally, treat them with care, and never make you look bad.

03
Everyone Wins

Your friend gets expert guidance. You get the satisfaction of genuinely helping someone you care about.

Ready to Make a Referral?

Share my WhatsApp or send them directly to my booking link. I'll handle everything with professionalism and care.

💬 Share via WhatsApp 📅 Send Them My Calendar
Leave a Review

Worked With Me?
Share Your Experience.

Your honest review helps other Ontario families and business owners find the right financial guidance. Takes 2 minutes and means everything.

🌐 Google Review 📘 Facebook 💼 LinkedIn
Leave a Review Directly Here
Bobby personally reads every submission and approves before publishing. No fake reviews will ever appear.

🔒 Every review is personally read and approved by Bobby before it appears on this site. Fake reviews are never published.

🙏

Thank You!

Your review has been submitted. Bobby personally reads every one — it truly means a lot. He'll be in touch if he'd like to feature it on the site.

FAQ

Common Questions.

Is the initial consultation really free?
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Yes — 100% free, no obligation, no pressure. The first call is purely about understanding your situation. You decide if you'd like to work together after.
What makes you different from a bank advisor?
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Bank advisors are limited to their bank's products and often have sales quotas. As an independent broker, I have access to multiple carriers and work solely for you — not for any institution. My only goal is finding what's genuinely right for your situation.
Do you serve newcomers to Canada?
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Absolutely. I work with many newcomers across Ontario and offer sessions in English and Punjabi. I help newcomers understand the Canadian financial system and build a solid foundation from day one.
I already have insurance. Do I still need to talk to you?
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Possibly yes. Many people have coverage that's outdated, undersized, or not structured tax-efficiently. A quick review is free and often reveals significant gaps or opportunities you didn't know existed.
How do you get paid?
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I'm paid by the insurance carriers and investment companies — not by you directly. This means there's no fee to work with me for most services, and your consultation is always free.
Can you help incorporated business owners?
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Yes — this is one of my specialties. I work extensively with incorporated owners on corporate-owned life insurance, IPPs, estate freezes, buy-sell agreements, LCGE strategies, and more. There are significant tax advantages most business owners aren't using.
Do you serve clients outside of Ontario?
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Yes — I am licensed and actively serving clients in Ontario, Alberta, Nova Scotia, Saskatchewan, and British Columbia. Many meetings are done virtually, so no matter which province you're in, I can help you build a solid financial plan.
What if I'm just starting out and don't have much money?
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That's actually the best time to start. Building good habits early — even with small amounts — makes an enormous difference over time. I work with people at all income levels. There's no minimum to get started.
How do I book a consultation?
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The easiest way is through my Calendly link — just pick a time that works. You can also WhatsApp me at 437-996-9575 or fill the contact form. I respond personally within 24 hours.
Ready to Start?

30 Minutes That Can
Change Everything.

Book your free strategy call directly — no forms, no waiting. Just pick a time and I'll be there.

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Contact

Let's Start the
Conversation.

Reach out any way that works for you. I personally respond to every message within 24 hours.

📍
Office
75 International Blvd, Etobicoke, Ontario
📧
Email
bgulati@experiorfinancial.ca
📞
Phone
437-996-9575
📅
🕐
Hours
Mon – Fri · 9 AM – 6 PM EST
💬 WhatsApp Me Instantly

Send Me a Message
I'll personally reply within 24 hours.

🔒 100% confidential. I personally read and respond to every message.

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