What is Mode Money Managers?

Mode Money Managers™ is an independent, fiduciary financial advisory firm based in Surrey, British Columbia, Canada. Founded by Sanjay Gupta, CEA, the firm serves Canadian professionals, newcomers to Canada, business owners, and high-net-worth individuals with life insurance, disability coverage, investment planning (RRSP, TFSA, RESP), retirement planning, and estate planning.

Is Mode Money Managers a fiduciary financial advisor?

Yes. Mode Money Managers™ operates as an independent fiduciary, meaning the firm is legally and ethically obligated to act in the client's best interest at all times. Unlike bank-employed advisors restricted to proprietary products, Mode Money Managers surveys the entire Canadian insurance and investment market to find the best solution for each client.

What financial services does Mode Money Managers offer?

Mode Money Managers™ offers life insurance (term, whole life, universal life), disability insurance, critical illness insurance, super visa insurance, travel insurance, RRSP and TFSA investment planning, RESP education savings, retirement income strategies, estate planning, tax optimization, and corporate financial strategies for incorporated business owners.

Who is Sanjay Gupta, financial advisor in Surrey BC?

Sanjay Gupta (B.Sc., MMS, CFP®, CSC, PFA™, RIS, CEA) is the founder and lead advisor at Mode Money Managers™ in Surrey, BC. He is a Certified Financial Planner (CFP®) and Advocis member with over 26 years of experience, serving clients in English, Hindi, Gujarati, Punjabi, and Marathi. Mode Money Managers Inc. holds an A+ accreditation with the Better Business Bureau. Sanjay specializes in financial planning for Canadian professionals, newcomers to Canada, incorporated business owners, and high-net-worth families.

Does Mode Money Managers serve newcomers to Canada?

Yes. Mode Money Managers™ specializes in financial planning for newcomers to Canada, helping clients navigate the Canadian financial system including RRSP vs TFSA strategies, life insurance for newcomers, credit building, worldwide income tax obligations, and long-term wealth planning.

What is super visa insurance in Canada?

Super visa insurance is mandatory private medical insurance required by the Government of Canada (IRCC) for parents and grandparents visiting under the Super Visa program. It must provide a minimum of $100,000 in emergency medical coverage for at least one year from a Canadian insurer. Mode Money Managers™ provides fully compliant, refundable super visa insurance policies.

What is the difference between RRSP and TFSA in Canada?

An RRSP (Registered Retirement Savings Plan) uses pre-tax contributions that reduce your taxable income now and grow tax-deferred until retirement. A TFSA (Tax-Free Savings Account) uses after-tax contributions with all growth and withdrawals completely tax-free. The optimal strategy depends on your current income, expected retirement income, and financial goals. Mode Money Managers™ builds personalized RRSP vs TFSA allocation plans for each client.

Where is Mode Money Managers located and what areas do they serve?

Mode Money Managers™ is headquartered in Surrey, British Columbia, and serves clients across Canada including Vancouver, Burnaby, Richmond, Langley, Abbotsford, Delta, and Coquitlam. The firm also serves Indian professionals and NRI clients internationally. Contact: +1 (604) 503-6644 or advise@modemoney.ca.

Does Mode Money Managers offer financial planning for dentists in Canada?

Yes. Mode Money Managers™ operates a dedicated practice through DentalFinancialCare.ca exclusively for Canadian dentists, dental associates, and incorporated dental clinics. Services include overhead expense insurance, own-occupation disability insurance, corporate life insurance, RRSP/TFSA/RESP optimization, and practice succession planning.

How much does a financial advisor cost in Canada?

For insurance products, Mode Money Managers™ advisors are compensated by the insurance carrier through commissions embedded in your premium, so there is no direct fee charged to the client for insurance advice. For investment planning, fee structures vary by product and account size. Initial consultations are always complimentary. Contact advise@modemoney.ca to get started.

Okanagan • British Columbia

Financial Advisor in Kelowna

Kelowna is the Okanagan's hub, drawing retirees, pre-retirees, and business owners with its lifestyle, wine, and tourism economy. A wave of relocations and second-home purchases has made Kelowna one of the province's most dynamic planning markets.

Sanjay Gupta, CFP®Certified Financial Planner

5.0 / 113 ReviewsGoogle Rated

A+ AccreditedBetter Business Bureau

Independent FiduciaryNot tied to one bank

Local Perspective

Planning that fits Kelowna

Tourism and seasonal businesses create uneven cash flow, making tax-smart investing and retirement income planning especially valuable for Kelowna owners and retirees.

Whether you are in Lake Country, West Kelowna, Rutland or anywhere across Kelowna, we build a plan around your goals and shop the whole market on your behalf.

Who we help in Kelowna

Tailored strategies for the people and priorities most common across Okanagan.

Retirees and pre-retirees relocating to the Okanagan

Tourism and hospitality business owners

Second-home and recreational property buyers

Families and professionals new to the region

Our Services

Insurance & investment solutions in Kelowna

Full-market access to the protection and growth strategies that matter most.

Life InsuranceLearn more

Disability InsuranceLearn more

Critical IllnessLearn more

Super Visa InsuranceLearn more

RRSP PlanningLearn more

TFSA PlanningLearn more

RESP Education SavingsLearn more

Travel InsuranceLearn more

Serving every community in Kelowna

Lake CountryWest KelownaRutlandLower MissionGlenmore

Nearby

Also serving the areas around Kelowna

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Questions

Financial advice in Kelowna, answered

Yes. Mode Money Managers™ serves clients throughout Kelowna and the surrounding Okanagan, both in person and virtually. As an independent fiduciary firm led by Sanjay Gupta, CFP®, we work across all of British Columbia, so Kelowna residents get the same full-market access to insurance and investment solutions as our Surrey head office clients.

We are fully independent. We are not tied to any single bank or insurer, which means we shop the entire Canadian market on behalf of Kelowna clients and recommend what genuinely fits your situation, not a proprietary product line.

For insurance products there is no direct fee to you; the insurer pays a commission embedded in the premium. Initial consultations for Kelowna residents are always complimentary. For investment planning, fee structures depend on the accounts and products involved and are explained transparently up front.

Absolutely. A large part of our practice is helping newcomers across Okanagan set up their first RRSP and TFSA, build Canadian credit, arrange life and Super Visa insurance, and understand how worldwide income is taxed in Canada.

Ready to plan your future in Kelowna?

Book a complimentary discovery call with Sanjay Gupta, CFP®, and see what independent, fiduciary advice looks like.

Toll Free: +1 (844) 477-7733

Planning that fits Kelowna

Tourism and seasonal businesses create uneven cash flow, making tax-smart investing and retirement income planning especially valuable for Kelowna owners and retirees.

Whether you are in Lake Country, West Kelowna, Rutland or anywhere across Kelowna, we build a plan around your goals and shop the whole market on your behalf.