I'm Praveen, an LLQP-licensed insurance agent in Ontario. I help young families get protected and save smarter — life insurance, RESPs, and tax-efficient plans, compared across 6+ providers so you get the right fit, not the default option.
Save just 10% of your paycheck and distribute it strategically across three pillars. Most families don't need complex strategies — they need a clear, consistent plan they can stick to.
Insurance to safeguard your family against life's uncertainties — life, disability, and critical illness coverage.
Tax-efficient products designed to grow your money while minimizing what you owe — built for your future.
Long-term wealth accumulation strategies that build a secure financial foundation for you and your family.
Comprehensive financial planning to protect and grow your family's wealth
Protect your family with the right coverage — life, critical illness, and disability insurance tailored to your needs.
Calculate your needs →Learn how insurance-based products like segregated funds can offer tax-advantaged growth, creditor protection, and estate benefits.
Tax calculator →Build long-term savings through segregated funds and insurance-based strategies designed for wealth accumulation and retirement readiness.
Growth calculator →I connect you with trusted legal professionals for will preparation and power of attorney, ensuring your insurance and financial plans work together seamlessly.
Get started →Understand how life insurance and segregated funds can help protect your estate and potentially bypass probate. I coordinate with legal and tax professionals.
Plan your estate →Most parents leave government grant money unclaimed. I help Ontario families open and fund RESPs properly — including the 20% Canada Education Savings Grant — as part of their family's protection plan.
Read the free RESP guide →From first call to your personalized plan — here's what to expect
Free 30-minute consultation to understand your goals and situation
Collect information about income, assets, and current coverage
Compare providers and create personalized recommendations
Put your plan into action with ongoing annual reviews
I'm Praveen — an LLQP-licensed insurance agent in Ontario, and the person behind Ten Percent Club.
I got into this for a simple reason: too many families I know were either unprotected or overpaying for coverage, and nobody had ever sat down and explained the basics in plain language.
I'll be straight with you: I'm early in my practice. I'm building it one family at a time. That's not a weakness — it means you get my full attention, honest answers, and a plan built around your actual life, not a template.
Every client gets my full attention, honest guidance, and a plan that truly fits their needs. I'm building my practice one family at a time.
Interactive calculators to better understand your financial picture
See how RRSP, TFSA, FHSA, and RESP contributions can reduce your taxes
Try Calculator →Track your assets, liabilities, income, and expenses all in one place
Open Tracker →Plan and track your monthly spending by category with visual breakdowns
Open Tracker →No. I'm compensated by the financial institutions when we implement your plan. My planning services are completely free to you.
No. I partner with multiple leading providers through WFG, which allows me to compare options and find the best fit for your needs and budget.
Absolutely. We can start with basic protection and build from there as your income grows. Even small steps now compound over time.
Perfect! I'll review your existing coverage to ensure it's still appropriate and identify any gaps or optimization opportunities.
No preparation needed. Just bring an open mind and be ready to discuss your goals, current situation, and concerns. I'll guide you through the rest.
I'm based in Mississauga, Ontario, and serve clients virtually across Canada or in-person in the Greater Toronto Area.
No pressure, no obligation. Let's discuss your goals and see how I can help.