Small Business Owners
Connect business cash flow, protection, succession, retirement, and personal financial goals.
Education-first planning
Financial Planning Rooted in BC, Serving Professionals & Business Owners Across Canada
E2Gee Financial helps you understand your money, protect what matters, and build a practical plan for the future with plain-language guidance from Dr Sahej Karwar, Financial Planner, QAFP™, LLQP.
QAFP® Financial Planner Serving Professionals & Business Owners in BC, Alberta & Ontario
What we do
Individuals And Families
Create a clear plan for budgeting, debt, savings, protection, education, retirement, and major family decisions.
Pre-Retirees And Retirees
Prepare income, manage risk, think through family protection, tax-aware planning, and legacy goals.
Exclusive Services for Healthcare Professionals
Earn • Keep • Grow
We help healthcare professionals build wealth by increasing cash flow, reducing tax drag, and using compounding plus protection for long-term financial growth.
- Increase cash flow with smarter financial planning
- Keep more by reducing tax drag efficiently
- Grow wealth with compounding and protection
How it works
A simple process that starts with clarity, not pressure.
The goal is to understand your situation first, then decide the next step with confidence.
Book A 30-Minute Session
Start with a no-pressure conversation about your goals, questions, and current financial situation.
Understand The Full Picture
Review what matters: income, expenses, family needs, debt, protection, business, retirement, and future plans.
Build Your Plan
Get practical next steps explained in plain language, with careful attention to your real-life priorities.
Adjust As Life Changes
Revisit your plan as your family, work, business, and goals change over time.
About Sahej
Guidance that feels clear, personal, and practical.
Dr Sahej Karwar, Financial Planner, QAFP™, LLQP, helps visitors connect planning, education, and protection decisions without jargon or pressure.
Dr Sahej Karwar
Financial Planner, QAFP™, LLQP
- Understand possible gaps before choosing products
- Get education-first guidance for Canadian financial decisions
- Build confidence around family, newcomer, business, and retirement questions
How planning helps
The kinds of questions we help answer.
These are illustrative examples based on common situations we help with across British Columbia, Alberta, and Ontario — not client quotes, reviews, or ratings. Real client names and identifying details are never shared, to protect privacy.
Registered Nurse · Alberta
Shift work and a young family — she wanted a savings plan that actually fit her schedule.
Newcomer Family · British Columbia
New to Canada and unsure where to start — they left with a clear first-year plan.
Small Business Owner · Ontario
Reinvesting everything into growth, he finally built a protection plan that fit his cash flow.
Physician · Alberta
Wondering if incorporating made sense — running the real numbers replaced guesswork with a decision.
Pre-Retiree · Ontario
Unsure if her savings meant real retirement income, she left with an actual number.
Student · British Columbia
Wary of credit card debt, he wanted a simple system he could actually stick to.
Financial education
Useful answers before you become a client.
Savings & Investing Strategy
What should I start saving or investing in to stay aligned with my financial goals?
The right savings and investment strategy depends on your goals, timeline, risk tolerance, and current financial situation. A well-structured plan may include emergency savings, TFSAs, RRSPs, RESPs, investment portfolios, debt reduction strategies, and retirement planning. Rather than choosing products first, we help determine the most appropriate strategy based on your personal objectives and financial priorities.
Read articleFamily Protection Planning
How much Life Insurance and Critical Illness coverage does a Canadian family typically need?
Coverage requirements vary based on income, debt obligations, family size, lifestyle, future education costs, and financial goals. In general, many families require enough coverage to replace income, pay off major debts such as mortgages, and maintain financial stability for loved ones. A personalized needs analysis helps determine the appropriate amount for your specific situation.
Read articleBusiness Tax Planning
What are the tax considerations and liabilities for small businesses and self-employed professionals?
Small business owners and self-employed professionals often face unique tax obligations and planning opportunities. Proper tax planning can help identify eligible deductions, optimize business structures, manage cash flow, reduce unnecessary tax leakage, and support long-term wealth creation.
Read articleCommon questions
Questions people ask before booking.
Is the first consultation free?
Yes. The first conversation is a free 30-minute session or protection review — book a time that works for you using the calendar on the booking page.
How is financial planning different from just buying a product?
Financial planning starts with goals, cash flow, family needs, debt, risk, retirement, and future priorities. Products may be considered only after the full picture is understood.
Do you help with insurance and protection planning?
Yes. Protection planning can include reviewing life insurance, disability coverage, critical illness coverage, mortgage protection, workplace benefits, and business-owner risks.
Ready when you are
Book a free consultation and leave with a clearer next step.
Start with a 30-minute session for planning questions or a protection review if insurance, mortgage, family, income, or business coverage is your priority.
Contact E2Gee Financial