Vishal Joshi Investments & Insurance · Ontario (226) 504-7377

Chapter 04 · Talk

Now let’s run it with your numbers.

1

Book a 15-minute intro

A short call about your goals and your numbers. Bring nothing — that is the point of an intro.

2

Full planning meeting

We go through your documents together and test the plan against your real contribution room, debts and coverage.

3

Written plan, then implementation

You get the plan in writing, we put it in place together, and we review it as your life changes.

Portrait of Vishal Joshi
First meetings are free, unhurried, and built around your numbers — not a sales pitch.

Office2600 Skymark Ave, Bldg 7, Unit 101, Mississauga, ON L4W 5B2 · (905) 602-6600

Vishal Joshi — LLQP & IFC, licensed in Ontario

Vishal Joshi — Licensed in Ontario. Mutual Fund Representative registered with PFSL Investments Canada Ltd., Mutual Fund Dealer and Member of CIRO and CIPF. Life and Health Insurance Agent licensed with the Financial Services Regulatory Authority of Ontario (FSRA), contracted through Primerica Financial Services Ltd.

Vishal holds both licences a family's plan needs: the LLQP for life, disability and critical illness insurance, and the IFC (Investment Funds in Canada) for mutual fund investing. Based in Mississauga, he meets clients across the GTA or by video anywhere in Ontario.

Before financial services, he spent 5+ years in Canadian manufacturing quality assurance — a career built on checking the numbers twice and never signing off on "close enough." Same habit here: verify the room before contributing, read the fine print before signing, measure the plan against the goal.

How I'm paid. Mutual funds carry a management expense ratio (MER); part of it is paid by the fund company to PFSL Investments Canada Ltd. as a trailer for ongoing service. Insurance pays a commission from the insurer. Neither arrives as a separate bill to you — and the compensation on anything you consider is explained in writing before you sign.

Book a 15-minute introductory meeting Message Vishal on LinkedIn Or tap the number at the top of this page to call him directly.

Questions people ask most

Does the first meeting cost anything?

No. The initial consultation and financial needs analysis are free and carry no obligation. If you later open accounts or apply for insurance, how Vishal is compensated is explained up front, in writing, before you sign anything.

What should I bring to a first meeting?

For the 15-minute introductory meeting: nothing at all — just bring your questions. The paperwork comes later, before a full planning meeting: your most recent CRA Notice of Assessment (it shows your exact RRSP room), a recent pay stub, any group benefits booklet from work, and a rough list of debts and existing policies.

I'm starting with a small amount. Is it still worth it?

Yes — the growth chapter shows why. Small automatic contributions started early beat large ones started late, and the FHSA/TFSA room you bank now is room you never get back once the year passes.