# Mode Money Managers™ > Mode Money Managers™ is an independent, fiduciary financial advisory firm based in Surrey, British Columbia, Canada. Founded in 2017 by Sanjay Gupta (CFP®), the firm serves Canadian professionals, newcomers to Canada, incorporated business owners, and high-net-worth families with insurance, investment, retirement, and estate planning. As an independent fiduciary, the firm surveys the entire Canadian market rather than selling a single institution's proprietary products. Mode Money Managers Inc. holds an A+ accreditation with the Better Business Bureau. ## Key Facts - Legal name: Mode Money Managers Inc. - Founded: 2017 (originally established in Mumbai, India; expanded to Vancouver and across Canada) - Headquarters: Surrey, British Columbia, Canada - Founder & lead advisor: Sanjay Gupta, B.Sc., MMS, CFP®, CSC, PFA™, RIS, CEA - Advisor experience: 26+ years - Languages served: English, Hindi, Gujarati, Punjabi, Marathi - BBB rating: A+ (Accredited) - Google rating: 5.0 stars across 113 reviews - Advisor model: Independent fiduciary (not tied to any single bank or insurer) - Phone: +1 (604) 503-6644 | Toll free: +1 (844) 477-7733 - Email: advise@modemoney.ca - Areas served: All of British Columbia including Surrey, Vancouver, Burnaby, Richmond, Langley, Abbotsford, Delta, Coquitlam, Victoria, Kelowna, Kamloops, Nanaimo, Chilliwack, Prince George, Maple Ridge, New Westminster, North Vancouver, West Vancouver, White Rock, and Port Coquitlam. Serves clients across Canada and NRI / Indian professional clients internationally. ## Services - [Life Insurance](https://www.modemoney.ca/services/life-insurance): Term, whole life, and universal life. Tax-free death benefit, tax-sheltered cash value, corporate strategies. - [Disability Insurance](https://www.modemoney.ca/services/disability-insurance): Tax-free income replacement with own-occupation riders. - [Critical Illness Insurance](https://www.modemoney.ca/services/critical-illness): Tax-free lump sum covering 25+ conditions, with return-of-premium options. - [Super Visa Insurance](https://www.modemoney.ca/super-visa-insurance): IRCC-compliant medical coverage ($100k+ minimum) for visiting parents and grandparents; refundable if the visa is denied. Includes a cost calculator. - [Travel Insurance](https://www.modemoney.ca/services/travel-insurance): Emergency medical coverage up to $5–10 million, trip cancellation, multi-trip plans. - [RRSP Planning](https://www.modemoney.ca/services/rrsp): Tax-deferred retirement savings strategy. - [TFSA Planning](https://www.modemoney.ca/services/tfsa): Tax-free growth and withdrawals. - [RESP Education Savings](https://www.modemoney.ca/services/resp): Government-grant-eligible education savings. - Retirement income planning, estate planning, and tax optimization. ## For Dentists & Incorporated Professionals Mode Money Managers operates a dedicated practice, [Dentist Financial Care™](https://www.dentalfinancialcare.ca), for Canadian dentists, dental associates, and incorporated dental clinics: overhead expense insurance, own-occupation disability insurance, corporate life insurance, RRSP/TFSA/RESP optimization, and practice succession planning. ## Key Answers - Is Mode Money Managers a fiduciary? Yes. The firm is legally and ethically obligated to act in each client's best interest and is independent of any single bank or insurer. - RRSP vs TFSA: An RRSP uses pre-tax contributions that lower taxable income now and grow tax-deferred until retirement; a TFSA uses after-tax contributions with tax-free growth and withdrawals. The right mix depends on current vs expected retirement income. - Does the firm help newcomers to Canada? Yes — it specializes in newcomer financial planning, including credit building, worldwide-income tax considerations, and registered-account strategy. - Cost: Insurance advice carries no direct client fee (the carrier pays a commission embedded in the premium). Initial consultations are complimentary. ## Service Areas (British Columbia) Mode Money Managers serves clients across British Columbia with dedicated local pages: - [Surrey](https://www.modemoney.ca/locations/surrey) - [Vancouver](https://www.modemoney.ca/locations/vancouver) - [Burnaby](https://www.modemoney.ca/locations/burnaby) - [Richmond](https://www.modemoney.ca/locations/richmond) - [Langley](https://www.modemoney.ca/locations/langley) - [Coquitlam](https://www.modemoney.ca/locations/coquitlam) - [Abbotsford](https://www.modemoney.ca/locations/abbotsford) - [Delta](https://www.modemoney.ca/locations/delta) - [Victoria](https://www.modemoney.ca/locations/victoria) - [Kelowna](https://www.modemoney.ca/locations/kelowna) - [Kamloops](https://www.modemoney.ca/locations/kamloops) - [Nanaimo](https://www.modemoney.ca/locations/nanaimo) - [Chilliwack](https://www.modemoney.ca/locations/chilliwack) - [Maple Ridge](https://www.modemoney.ca/locations/maple-ridge) - [New Westminster](https://www.modemoney.ca/locations/new-westminster) - [North Vancouver](https://www.modemoney.ca/locations/north-vancouver) - [White Rock](https://www.modemoney.ca/locations/white-rock) - [Port Coquitlam](https://www.modemoney.ca/locations/port-coquitlam) - [Prince George](https://www.modemoney.ca/locations/prince-george) - [Vernon](https://www.modemoney.ca/locations/vernon) - Full directory: https://www.modemoney.ca/locations ## Content - [Insights & Blog](https://www.modemoney.ca/insights): Articles on newcomer financial planning, RRSP vs TFSA, life insurance, investing in India from Canada, retirement income, and planning for dentists and small business owners. - [Financial Planning for Newcomers to Canada](https://www.modemoney.ca/blog/financial-planning-for-newcomers-to-canada) - [Non-Registered vs TFSA vs RRSP](https://www.modemoney.ca/blog/non-registered-vs-tfsa-vs-rrsp) - [How Much Life Insurance Do I Need in Canada](https://www.modemoney.ca/blog/how-much-life-insurance-do-i-need-canada) - [Tax-Efficient Retirement Income in Canada](https://www.modemoney.ca/blog/tax-efficient-retirement-income-in-canada) - [Financial Planning for Dentists in Canada](https://www.modemoney.ca/blog/financial-planning-for-dentists-canada) ## Contact - Website: https://www.modemoney.ca - Contact page: https://www.modemoney.ca/contact - Phone: +1 (604) 503-6644 - Email: advise@modemoney.ca