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ONTARIO EDITION FALL 2026

Ontario Realtors Care Foundation Motorcycle Ride for Charity 2026 Canadian Apartment Investment Conference CREA REPORT: Canadian Home Sales Slide Down Slightly in August TRREB: Market Watch Upcoming Real Estate Events October – December 2026 Special Feature: SUKH TAX

PAM SETIA

Building Wealth through the Art of Real Estate

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2026 MOTORCYCLE RIDE FOR CHARITY SEPTEMBER 23: AURORA-COBOCONK-BANCROFT-DENBIGH-CALABOGIE SEPTEMBER 24: CALABOGIE-PORTLAND-SYDENHAM-PRINCE EDWARDBELLEVILLE

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UPCOMING UPCOMINGFEATURE FEATURECOVER COVERSTORY STORY- -BC BCSOUTH SOUTHASIAN ASIANREAL REALESTATE ESTATEMAGAZINE MAGAZINE

SHAWN SIDHU Founder Founderand andManaging Managing Lawyer LawyerofofNg NgSidhu SidhuLaw Law

Shawn ShawnSidhu Sidhuisisthe theFounder Founderand andManaging ManagingLawyer LawyerofofNg Ng Sidhu SidhuLaw, Law,with witha apractice practicefocused focusedon onhelping helpingindividuals individuals navigate navigatecomplex complexlegal legalmatters mattersand andobtain obtainmeaningful meaningful results resultswhen whenthey theyneed needthem themmost. most. Shawn Shawnisiscommitted committedtotoproviding providingthoughtful, thoughtful,practical practicaland and client-focused client-focusedlegal legalrepresentation. representation.He Heworks worksclosely closelywith with each eachclient clienttotounderstand understandtheir theircircumstances, circumstances,explain explain their theiroptions optionsclearly, clearly,and anddevelop developa astrategy strategytailored tailoredtoto their theirindividual individualneeds. needs.His Hisapproach approachisisgrounded groundedininstrong strong advocacy, advocacy,attention attentiontotodetail, detail,and anda agenuine genuinecommitment commitmenttoto achieving achievingfair fairoutcomes. outcomes. Throughout Throughouthis hiscareer, career,Shawn Shawnhas hasrepresented representednumerous numerous clients clientsinindisputes disputesinvolving involvingICBC ICBCand andpersonal personalinjury injury claims. claims.He Heunderstands understandsthat thatthe theimpact impactofofananinjury injuryextends extends well wellbeyond beyonda alegal legalclaim, claim,affecting affectinga aperson’s person’shealth, health, work, work,family familyand andquality qualityofoflife. life.Shawn Shawnworks workstotoensure ensure these theserealities realitiesare areproperly properlyunderstood understoodand andaddressed addressed throughout throughoutthe thelegal legalprocess. process. Shawn Shawnhas hasdeveloped developedstrong strongprofessional professionalrelationships relationships with withmedical, medical,rehabilitation rehabilitationand andother otherprofessionals professionals throughout throughoutthe theLower LowerMainland, Mainland,allowing allowinghim himtotowork work

collaboratively collaborativelywith withtrusted trustedspecialists specialistswhere whereappropriate. appropriate. He Heprovides provideslegal legalservices servicesininEnglish, English,Punjabi Punjabiand andHindi. Hindi. Shawn Shawnbegan beganhis hispost-secondary post-secondaryeducation educationatatthe the University UniversityofofBritish BritishColumbia, Columbia,where wherehehecompleted completedhis his bachelor’s bachelor’sdegree. degree.He Hesubsequently subsequentlyearned earnedhis hishonours honours law lawdegree degreefrom fromthe theUniversity UniversityofofBirmingham Birminghamininthe the United UnitedKingdom. Kingdom.After Aftercompleting completinghis hislegal legaleducation, education, Shawn Shawnreturned returnedtotothe theVancouver Vancouverarea, area,where wherehehehas hasdeep deep family familyand andcommunity communityroots. roots.He Hewas wascalled calledtotothe theBar Barand and became becamea amember memberofofthe theLaw LawSociety SocietyofofBritish BritishColumbia Columbiainin December December2013. 2013. Today, Today,Shawn Shawnleads leadsNg NgSidhu SidhuLaw Lawwith witha afocus focuson onbuilding buildinga a modern, modern,client-centred client-centredpractice practicewhile whileremaining remaininggrounded grounded ininthe theprinciple principlethat thata alaw lawfirm firmexists existsfirst firstand andforemost foremosttoto serve serveitsitsclients clientsand andcommunity. community. That Thatcommitment commitmentextends extendsbeyond beyondthe thepractice practiceofoflaw. law. Shawn Shawnbelieves believesiningiving givingback backtotothe thecommunity communitythat thathas has supported supportedhim himand andremains remainsinvolved involvedininlocal localinitiatives initiativesand and charitable charitablecauses. causes.For ForShawn, Shawn,building buildinga asuccessful successfulpractice practice means meansnot notonly onlyserving servingclients clientswell, well,but butalso alsocontributing contributing meaningfully meaningfullytotothe thecommunity communityininwhich whichthe thefirm firmoperates. operates.

AWARD AWARDWINNING WINNINGLAW LAWFIRM FIRMIN INTHE THELOWER LOWERMAINLAND MAINLANDFOR FOREVERY EVERYIMPORTANT IMPORTANTMATTER MATTER Ng NgSidhu SidhuLaw Lawrepresents representspeople peopleacross acrossCanada Canadaininpersonal personalinjury, injury,insurance insuranceclaims, claims,real realestate, estate,wills willsand andestates, estates,criminal, criminal,family family and andimmigration immigrationlaw. law.From Fromyour yourfirst firstmeeting meetingthrough throughtotoresolution, resolution,we wekeep keepthings thingsclear clearand andkeep keepyou youininthe theloop. loop.

Free FreeCase CaseEvaluation EvaluationCall Call11(778) (778)800-0454 800-0454

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Message from the Publisher Dear Readers,

As Ontario’s real estate market continues to evolve, buyers, sellers, investors and industry professionals are navigating This year marks a truly special milestone for BC South Asian Health Magazine as we proudly celebrate changing conditions, shifting opportunities and important financial decisions. In this issue of South Asian Real Estate 15toyears our community. What began as a vision to can create culturallythe relevant Magazine, we aim bring of youserving timely insights, industry updates and perspectives that helpmeaningful, you better understand conversations has grown into a trusted global brand. Over the years, we have remained committed to market and make informed decisions in an ever-changing real estate landscape.

amplifying stories that matter—stories rooted in empowerment, education, and representation for Sou

We are proud to Asians feature everywhere. Pam Setia on our cover, whose unique background in both real estate and financial planning have shaped a holistic approach to building wealth through property. With more than 20 years of experience in banking, Pam We are honored to continue standing the only platform dedicated exclusively to transaction health, wellness, focuses on education, strategic acquisition, negotiation and as financial planning, helping clients look beyond the fashion, fitness for the South Asiangoals. community onthe a global scale. Thismakes focusthis hasanalways bee and consider thebeauty, long-term role realand estate can play in their financial Her “Steal Deal” philosophy insightful featureat forthe anyone approaching estate with greatertopics strategythrough and purpose. heart of who wereal are. By addressing a culturally informed lens, we have been able

to spark dialogue, inspire healthier andThe celebrate diversity and strength of ourincommunit We also take a closer look at recent developments shapinglifestyles, the industry. Canadianthe Apartment Investment Conference across generations. Toronto brought together leading multifamily owners, developers, investors, lenders and advisors to discuss capital markets, development feasibility, affordability, technology andof thegrowth outlookand toward 2027. At the same time, recent reports from multiple CREA Our journey has also been one expansion. With a strong presence across provin and TRREB provide a snapshot of a market where sales, listings and prices remain in transition, reinforcing the importance in Canada, we are now excited to be extending our footprint internationally. We are currently in the of staying informed and understanding both national and local trends.

process of expanding to California (USA), London (UK), and Dubai (UAE)—with India and Australia next

In this issue, we also previous feature on Sukh Tax, highlighting the growing importance taxdeeper planningopportunities and financial to conne ourrevisit radar.a These new markets represent not just geographic growth, of but guidance for property owners, investors and entrepreneurs. As real estate decisions become increasingly connected to with South Asians worldwide. broader financial planning, having the right professional advice can play an important role in building and protecting longAs we look ahead, 2026 is shaping up to be a year filled with major milesto term wealth.

and bold new chapters. We are energized by what lies ahead and remain

As we look ahead, we on want to sincerely thank focused further solidifying our strong foundation as the #1 magazine our readers, advertisers, industry partners and source catering to South Asians worldwide. Thank you to our readers, supporters for continuing to be part of our journey. partners, and contributors for being an integral part of this journey—w Your support allows us to keep connecting our look forward to growing, evolving, and celebrating together. community with valuable people, businesses, opportunities andCheers information. We lookHealthy forwardNew Year! to a Happy, to making South Asian Real Estate Magazine even bigger, better and more impactful in 2027, with expanded coverage, new voices and even more opportunities to connect our readers with the ever-changing world of real estate.

RINA GILL RINA GILL

Publisher, South AsianMagazine Health Magazine Publisher, South Asian Real Estate

778 688 4973

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The publisher is not responsible for any manuscripts, images, photographs or any other material. By accepting and publishing advertising, editorial, advertoria any other information in this publication; the publisher in no way recommends, guarantees or endorses quality of services or products and information within The publisher is not responsible for any manuscripts, images, any other By accepting and publishing advertising, profiles oror entity w of the above-mentioned. Although everyphotographs precaution isortaken in thematerial. preparation of this publication, the Publisher shalleditorial, have no advertorial, liability to any person any other informationtoinany thisloss publication; thecaused publisher in no way recommends, guarantees or endorses quality services or products and information within the context or damage by the contents of this publication. The Publisher is not liableoffor any errors or omissions and does not guarantee in any way the of the above-mentioned. Althoughprovided every precaution is taken the preparation of this publication, Publisher shall have no liability toreserved. any person entity with respect may be information in the contents of in this publication. Copyright 2026 by Thethe Hype Advertising Agency. All rights Noor part of this publication to any loss or damage caused by the contents of The Publisher is not liable for any errors or omissions and without does notwritten guarantee in any way thePublisher. accuracy of bythis anypublication. means, electronic, or mechanical, including internet photocopying permission of the information provided in the contents of this publication. Copyright 2026 by The Hype Advertising Agency. All rights reserved. No part of this publication may be reproduced by any means, electronic, or mechanical, including internet or photocopying without written permission of the Publisher.

CANADIAN APARTMENT INVESTMENT CONFERENCE 2026 Toronto • September 9, 2026 • Metro Toronto Convention Centre, North Building Executive take-away

CAIC 2026 brought together Canada's multifamily owners, developers, investors, lenders, operators and advisors around a common question: how to deploy capital and operate assets effectively while market conditions, construction economics, affordability requirements and technology continue to shift.

Event scale 500+ senior executives referenced by the organizer

Industry breadth 15+ major agenda themes

What dominated the conversation 1. Capital markets & investment positioning Sessions focused on inflation, bond yields, interest-rate expectations, valuation/cap-rate dynamics, lender activity, underwriting shifts and the investment outlook into 2027. The closing roundtable continued the forward-looking discussion on where capital may be deployed.

2. Development feasibility under pressure Construction-cost management, pro-forma discipline, land and debt financing, modular/prefabricated approaches and infrastructure were recurring themes. The agenda linked project feasibility to both financing conditions and the ability to control delivery costs.

3. Affordability & housing supply Affordable housing solutions were discussed alongside government incentives, public-private partnerships, demographic change and the “missing middle.” The organizer also highlighted a $4-billion federal affordablehousing fund and measures intended to streamline residential approvals.

4. Operations, AI & tenant experience AI and PropTech were treated as practical operating tools rather than standalone technology topics: leasing automation, tenant management, predictive maintenance, cost reduction and risk management were all on the program. Tenant retention and amenity ROI were also framed against newsupply competition.

5. Market-by-market differentiation The provincial-market discussion compared Toronto, Vancouver, Montreal and Calgary, including buying activity, valuations, transactions, pro-forma viability and bulk-condo opportunities—reinforcing that national strategy still needs local underwriting.

Notable voices Benjamin Tal (CIBC Capital Markets) addressed the Canadian and global economic outlook. Jason Castellan (Skyline) and Alexandra Khazzam (Hines Canada) served as co-chairs. The program also featured senior representatives from CAPREIT, Boardwalk REIT, KingSett Capital, Hazelview Investments, Oxford Properties, Dream, CMHC, RBC Capital Markets, CBRE, JLL and other major industry organizations.

Outcomes & Implications For Multifamily Players

KEY TAKEAWAYS

The event's practical value was less about a single market call and more about a set of operating and investment disciplines that repeatedly surfaced across sessions. Capital discipline remains central Underwriting assumptions need to remain responsive to financing costs, valuation shifts, lender appetite and market-specific transaction evidence. The event's emphasis on capital stacks and debt alternatives points to continued focus on structure as well as price.

Cost control is an investment strategy Construction-cost optimization, modular delivery, procurement, contract strategy and better estimation were presented as levers that can materially affect feasibility—not simply project-management issues.

Technology is moving into the NOI conversation AI-enabled leasing, maintenance and tenant-management tools were discussed in terms of productivity, resident experience and operating-cost reduction. That shifts the question toward where measurable operating value can be captured and what risks need controls.

Affordability is increasingly intertwined with investment feasibility Government programs, approvals, development charges, HST treatment and evolving affordability mandates were part of the investment conversation. For developers and owners, policy literacy is increasingly connected to underwriting and project timing.

2027 positioning starts with market selection The closing outlook and provincial comparisons reinforced the need to distinguish between markets and asset types. Portfolio decisions will depend on local supply, demographics, financing, valuations and execution conditions rather than a single national narrative.

GURPREET KAUR MANN Leadership & Executive Career Strategist | Founder & CEO, GKM Coaching

Building Careers. Building Leaders. Building Legacies. Entrepreneur, executive coach, and career strategist Gurpreet Kaur Mann has built a reputation for helping professionals and business owners position themselves as industry leaders. With a background in human resources, talent strategy, leadership development, and personal branding, she has spent more than a decade helping ambitious individuals unlock new opportunities, increase their earning potential, and create careers and businesses that align with their long-term vision. As Founder and CEO of GKM Coaching, Gurpreet works with executives, entrepreneurs, and high-performing professionals who are ready to elevate their visibility, influence, and income. Her expertise in LinkedIn branding, executive positioning, compensation negotiation, and leadership strategy has helped clients secure senior leadership roles, grow successful businesses, and strengthen their professional presence in highly competitive markets. Her insights have earned recognition from major media outlets and industry organizations, further establishing her as a trusted authority in career and business growth. For readers in the real estate industry, Gurpreet’s message is clear: success today requires more than expertise—it requires visibility, leadership, and a powerful personal brand. Whether working with real estate professionals, entrepreneurs, or corporate leaders, she helps clients communicate their value with confidence, attract the right opportunities, and create sustainable success. Through coaching, speaking, and mentorship, Gurpreet continues to empower professionals to think bigger, lead with purpose, and build lasting legacies for themselves and their families.

www.gkmcoaching.com

Highlights n

Founder & CEO, GKM Coaching

Executive Career & Leadership Strategist

LinkedIn Personal Branding Expert

Forbes Coaches Council Member

Recognized among leading women entrepreneurs and executive coaches

Trusted advisor to executives, entrepreneurs, and growth-focused professionals

linkedin.com/in/manngurpreet

OUR COMMUNITY NEEDS US. TOGETHER, WE CAN MAKE A DIFFERENCE.

Did you know: 85,000+ Ontarians are homeless 160,000+ households spend more than 50% of their income on rent Over 1 million Ontarians relied on food banks in 2025, resulting into 8.7 million+ visits Source: Association of Municipalities of Ontario & Feed Ontario, January 2026

YOUR SUPPORT OF THE ONTARIO REALTORS CARE® FOUNDATION HELPS FUND ORGANIZATIONS ACROSS ONTARIO WORKING TO ADDRESS SHELTER AND FOOD INSECURITY IN OUR COMMUNITIES.

MAKE AN IMPACT. GIVE TODAY.

REALTORSCAREONTARIO.CA

CREA REPORT: CANADIAN HOME SALES SLIDE DOWN SLIGHTLY IN AUGUST Ottawa, ON September 15, 2026 – The number of home sales recorded over Canadian MLS® Systems decreased by 0.7% on a month-over-month basis in August 2026. Monthly activity has now remained largely unchanged since May. (Chart A)

this year but already priced in by markets. This fresh round of incoming headwinds is expected to dampen the prospects for further housing market momentum heading into 2027.” Chart A

AUGUST HIGHLIGHTS: n National home sales fell by 0.7% month-overmonth. n Actual (not seasonally adjusted) monthly activity came in 6.9% below August 2025.

“Sales activity and price trends were largely unchanged for a fourth consecutive month in August,” said Shaun Cathcart, CREA’s Senior Economist. “What has changed is the broader economic environment, with the Bank of Canada recently warning of rising inflation risks, along with doubts about the durability of recent economic growth. For borrowers, fixed mortgage rates have already increased on higher bond yields. Meanwhile, on the variable rate side, a rate hike is not only back on the table for www.crea.ca

613-237-7111

Chart B

n The number of newly listed properties climbed 3.3% on a month-over-month basis. n The MLS® Home Price Index (HPI) was unchanged on a month-over-month basis and was down 3% year-over-year. n The actual (not seasonally adjusted) national average sale price was up 0.6% on a year-over-year basis in August 2026. New listings rebounded by 3.3% on a month-over-month basis in August 2026, reversing three straight declines earlier in the summer. “The noticeable increase in new supply in August was both broad based across all the largest markets and most apparent towards the end of the month. This suggests sellers were looking to get an early start to the fall market, particularly given how late Labour Day was this year,” said Garry Bhaura, CREA Chair. “For buyers, it will mean the usual seasonal burst of new properties to choose from, but at the same time they also have to contend with a fresh round of economic uncertainty. If you’re thinking about buying or selling a property in this evolving market, get in touch with a REALTOR® in your area today.” The gain in new supply combined with the small decline in sales in August caused the national sales-to-new listings

ratio to ease back to 49.1% compared to 51.1% in July. The long-term average for the national sales-to-new listings ratio of 54.7%, with readings roughly between 45% and 65% generally consistent with balanced housing market conditions. There were just under 200,000 properties listed for sale on all Canadian MLS® Systems at the end of August 2026, in line with the historical average for that time of the year and just 1.4% above the year earlier level. Overall supply has been more or less sliding sideways since spring 2025. There were 4.8 months of inventory on a national basis at the end of August 2026, unchanged for the fourth consecutive month and slightly below the long-term average for the measure of five months. Based on one standard deviation above and below that long-term average, a seller’s market would be

below 3.6 months, and a buyer’s market would be above 6.4 months. The National Composite MLS® Home Price Index (HPI) was unchanged from July to August. Prices have remained largely unchanged monthto-month since the spring, marking the longest period of price stability since 2024, when prices were flat throughout the year. The non-seasonally adjusted National Composite MLS® HPI was down 3% compared to August 2025. Year-over-year declines have been shrinking since January, with the August 2026 reading marking the smallest decrease since October 2025. (Chart B) The non-seasonally adjusted national average home price was $668,219 in August 2026, up 0.6% from the same month last year. The next CREA statistics package will be published on Friday, October 16, 2026.

UPCOMING REAL ESTATE EVENTS IN ONTARIO OCTOBER 2026

Veritas 14th Annual Great Canadian Real Estate Conference October 14, 2026 National Club, Toronto 9 AM–5 PM Focus: housing market, investment, developers, lenders, mortgage brokers, economists and commercial real estate. Sponsorship opportunities are still open.

CCI Grand River Conference October 23, 2026 Ontario

Ottawa Real Estate Forum October 20, 2026 Ottawa, Ontario This is one of Informa's major Canadian realestate forums, bringing together developers, investors, owners, lenders and other CRE professionals.

A condominium-focused conference that could be particularly relevant for condo developers, property managers, lawyers and housing professionals.

OCTOBER 2026

The Missing Middle Conference – Toronto 2026 Highly Relevant

CCI Toronto Condo Conference November 13–14, 2026

November 16–17, 2026

Toronto

Fairmont Royal York, Toronto A major condo-sector event covering condominium professionals and stakeholders.

It will bring developers, builders, private lenders, capital allocators, municipal leaders, planners, architects and consultants together. It focuses on mid-density housing, zoning, policy and innovative capital. There is also a Developers’ Den on November 16 featuring five real-estate development projects pitching to investors and capital partners.

2026 MAC Awards – Federation of Rental-housing Providers of Ontario November 25, 2026 Toronto Relevant if you want to connect with multifamily/rental housing owners and operators.

DECEMBER 2026

Canadian Real Estate & Construction Week / Real Estate Forum December 2–3, 2026

Metro Toronto Convention Centre

The Real Estate Forum brings together 2,800+ senior decision-makers, 1,400+ owners/ developers/investors and 1,300+ C-level/V-level executives. There are several related events during the same week: Dec. 1

Global Property Market

Dec. 1

Apartment Development & Affordable Housing Conference

Dec. 2-3

Real Estate Forum

Dec. 2-4

The Buildings Show

Dec. 3-4

Canadian Real Estate Asset Management

That makes December 1–4 particularly attractive because you could potentially cover multiple events and meet a very large number of developers, investors, construction companies, architects and real-estate professionals in one trip.

Pam Setia Building Wealth Beyond Real Estate

I’m a licensed realtor and financial planner with over 20 years of experience in the banking industry, which allows me to approach real estate from a fully integrated wealth-building perspective rather than simply as a transaction. “Through What The Financial, I help clients bring their Real Estate | Financial Planning decisions together as part of one coordinated strategy. Whether someone is purchasing their first home, building an investment portfolio, or planning for long-term wealth, my goal is to provide the education, structure, and guidance needed to move forward with confidence.” My journey into real estate was driven by recognizing a significant gap in how people were making financial decisions. Many individuals were earning well but lacked a clear strategy for building long-term wealth, particularly when it came to leveraging real estate effectively. Through my experience in banking, I saw firsthand how powerful real estate can be when combined with the right financial planning and real estate strategy. www.whatthefinancial.ca

pam@whatthefinancial.ca

@pamksetia

@whatthefinancial

I’m someone who deeply values people, relationships, and creating opportunities for others. A lot of who I am today comes from watching my parents navigate life as immigrants. That insight led me to build What The Financial, where I help clients align their real estate decisions with their broader financial goals, focusing on strategy, structure, and longterm impact rather than short-term outcomes.

Beyond your professional success, who is Pam Setia personally? How have your upbringing, family values, or life experiences shaped the way you approach business and leadership? Beyond my professional success, I’m someone who deeply values people, relationships, and creating opportunities for others. A lot of who I am today comes from watching my parents navigate life as immigrants. They worked incredibly hard, sacrificed constantly, and often had to make major financial decisions without having easy access to trusted financial information or guidance. Growing up, I saw firsthand how overwhelming money, homeownership, and financial systems could feel when you’re trying to build a life in a new country. That experience shaped the way I approach both business and leadership today. It’s why I care so much about education, transparency, and making complex financial conversations feel approachable and empowering instead of intimidating. I’ve always believed that details matter because people matter. Whether I’m helping someone buy their first home, invest in real

estate, or build a long-term financial plan, I approach every client relationship with empathy and care. I understand that behind every transaction is a family, a dream, a sacrifice, or a future someone is trying to create. My leadership style is rooted in service, trust, and collaboration. I don’t believe success is just about numbers or deals — it’s about impact. I want people to feel supported, informed, and confident when they work with me. That mindset has shaped the foundation of What The Financial and continues to influence how I mentor others, build partnerships, and create programs that genuinely help people move forward in life.

Your philosophy, “Steal the Deal,” focuses on creating instant equity at acquisition. What first inspired you to develop this executiondriven approach. to real estate? The philosophy behind “Steal the Deal” came from years of seeing people focus too heavily on market timing instead of deal structure. Early on in my real estate journey, I realized that wealth isn’t created when you sell a property — it’s created the moment you buy it correctly. Watching families, investors, and even my own community struggle financially taught me that most people were buying emotionally, without understanding leverage, equity, or long-term positioning. I wanted to develop an approach that focused on execution, strategy,

and creating immediate value at acquisition rather than hoping appreciation alone would save the investment.

properties where the numbers, location trends, and value-add opportunities align.

I look at several key indicators, including comparative market analysis, historical For me, “Steal the Deal” means buying with neighbourhood appreciation trends, intention. It’s about identifying opportunities infrastructure development, transit others overlook, negotiating intelligently, expansion, population growth, rental demand, understanding the numbers deeply, and and replacement value. I also evaluate ensuring there’s built-in equity from day properties that may be underperforming one. That instant equity creates flexibility, due to cosmetic condition, inefficient security, and long-term wealth-building layouts, management issues, or lack potential. of market exposure, where My background in strategic improvements My background financial planning and could enhance value over real estate gave me a in financial time. unique perspective planning and real Another major factor because I don’t estate gave me a unique is buying below just look at relative market value properties — I look perspective because I don’t based on current at the full financial just look at properties—I comparable sales and ecosystem look at the full financial understanding how around the buyer. financing structure, I analyze cash flow, ecosystem around the renovation potential, and financing structure, buyer future demand may impact appreciation potential, long-term equity growth. In tax positioning, and many cases, the opportunity is future scalability. That’s what not just the property itself, but how transformed this from a mindset the acquisition is positioned financially from into a repeatable execution strategy. day one. At its core, “Steal the Deal” is about My background in financial planning and real empowering people to make smarter, more estate allows me to assess opportunities strategic decisions so they can create from multiple angles — including cash flow generational wealth instead of simply owning sustainability, borrowing strategy, and property. scalability for future investments.

In today’s competitive Ontario market, how do you identify properties that truly have hidden equity potential from day one?

In today’s Ontario market, identifying hidden equity potential requires discipline, data analysis, and a long-term investment mindset — not speculation. My approach is rooted in fundamentals and focuses on acquiring www.whatthefinancial.ca

That said, real estate markets are constantly evolving, and no strategy or investment outcome can ever be guaranteed. Market conditions, interest rates, economic shifts, and property-specific risks all play a role in performance. My philosophy is centred on reducing unnecessary risk through education, due diligence, and strategic acquisition principles supported by market research and financial analysis.

pam@whatthefinancial.ca

@pamksetia

@whatthefinancial

You emphasize structuring and negotiation as wealth-building tools. What differentiates your negotiation strategy from the traditional transactional model? What differentiates my negotiation strategy from the traditional transactional model is that I don’t approach negotiations with a short-term “close the deal” mindset. I approach them as a long-term wealthbuilding exercise focused on structure, positioning, and future financial impact. Traditional real estate negotiations often focus primarily on price. While price is important, I believe true value is created through the terms, financing strategy, timing, risk mitigation, and overall structure of the transaction. A well-structured deal can significantly improve cash flow, preserve capital, create flexibility, and position a client for future opportunities. I also believe negotiation is about information and preparation. Understanding market trends, seller motivation, inventory conditions, financing environments, and comparable sales allows me to negotiate from a position of strategy rather than emotion. In competitive markets like Ontario, that preparation can create opportunities others may overlook. Most importantly, my approach is

relationship-driven, not pressure-driven. I prioritize transparency, education, and aligning the transaction with the client’s goals rather than simply completing a sale. Every deal carries financial consequences, and I believe clients deserve a strategy that supports sustainable wealth creation, not just a successful closing day. Of course, every transaction and market environment is different, and outcomes can never be guaranteed. My focus is always on applying informed negotiation principles, due diligence, and strategic structuring to help clients make well-informed real estate decisions.

“Steal the Deal” applies across all price points—from first homes to luxury investments. How do you tailor this strategy differently for a first-time buyer versus a seasoned investor? The core philosophy of “Steal the Deal” stays the same across every price point: acquire strategically, create value at purchase, and position the buyer for long-term financial strength. What changes is how the strategy is executed based on the client’s goals, risk tolerance, financial position, and stage of experience.

For a first-time buyer, the strategy is heavily education-focused. Many first-time buyers are navigating emotional decisions, affordability concerns, financing limitations, and uncertainty around the market. My role is to help them identify opportunities where they can enter the market intelligently while building a strong financial foundation. That may include targeting properties in emerging centred ons, identifying homes with future appreciation potential, evaluating opportunities for secondary income, or negotiating terms that improve affordability and long-term flexibility. The focus is on sustainability, equity growth potential, and minimizing unnecessary financial strain. With seasoned investors, the conversation becomes more analytical and executiondriven. We focus on portfolio scalability, cash flow optimization, financing structures, refinancing potential, market cycles, valueadd opportunities, tenant demand, and longterm return metrics. Experienced investors are typically looking at leverage efficiency, risk-adjusted opportunities, and ways to maximize capital deployment across multiple assets. The strategy often involves identifying underutilized properties, redevelopment potential, repositioning opportunities, or acquisitions where operational improvements can increase overall asset value. What remains consistent in both cases is the emphasis on data, due diligence, negotiation, and disciplined acquisition principles rather than speculation. I believe successful real estate investing — whether it’s a first home or a luxury investment property — comes from making informed decisions aligned with longterm financial objectives. Of course, every client situation and market environment is different, and real estate outcomes can never be guaranteed. My approach is always centred on education, strategic planning, and helping clients

www.whatthefinancial.ca

evaluate opportunities through a wellinformed financial lens.

Your teaser highlights disciplined capital structuring. What financial principles do you believe most buyers overlook when trying to build long-term wealth through real estate? One of the biggest financial principles I believe buyers overlook is that real estate wealth is not built solely through ownership — it’s built through disciplined capital structuring, strategic leverage, and long-term financial positioning. Many buyers focus almost entirely on the purchase price or monthly payment without fully understanding how financing structure, cash flow management, liquidity, and debt positioning impact their long-term wealth trajectory. In my experience, the most successful real estate investors think beyond the transaction itself and focus on how each acquisition fits into a larger financial strategy. A major concept people often underestimate is the power of preserving capital. Putting every dollar into a down payment may reduce borrowing costs, but it can also limit flexibility, emergency reserves, future investment opportunities, or renovation capital. Strategic leverage, when used responsibly, can allow buyers to maintain liquidity while still benefiting from long-term asset growth and equity accumulation. Another overlooked principle is cash flow sustainability. Many buyers become overly focused on appreciation assumptions without properly stress-testing carrying costs, interest rate changes, maintenance expenses, vacancy risks, or long-term affordability. Sustainable wealth is typically built through disciplined financial management, not speculation.

pam@whatthefinancial.ca

@pamksetia

@whatthefinancial

I also believe buyers underestimate the importance of acquisition quality. Creating value at the time of purchase through negotiation, market analysis, location selection, and value-add potential can significantly influence long-term outcomes. In many cases, the strength of the purchase decision matters more than short-term market fluctuations. Lastly, I think many people fail to view real estate as part of an overall financial ecosystem. Real estate decisions should align with tax planning, borrowing capacity, investment diversification, estate planning, and future lifestyle goals. That integrated approach is what helps transform real estate ownership into long-term wealth-building potential.

“I’ve built my business around education first. I believe leadership is not about selling — it’s about empowering people to make informed decisions that can positively impact their families for generations. A large part of my role is helping clients feel seen, understood, and confident in spaces that can otherwise feel overwhelming or transactional. Of course, financial situations, risk tolerances, and market environments vary from buyer to buyer, and no investment strategy or financial outcome can ever be guaranteed. My philosophy is centred on education, due diligence, and helping clients make informed decisions based on disciplined financial principles and long-term planning.

You’ve built a reputation rooted in integrity and deep community connection. How has serving the South Asian community across Ontario shaped your leadership style? Serving the South Asian community across Ontario has had a profound impact on both my leadership style and the way I approach business. It has reinforced the importance of trust, education, relationships, and cultural understanding in every interaction. Growing up in an immigrant family, I understand many of the challenges that South Asian families experience firsthand — whether it’s navigating financial systems, building generational stability, balancing cultural expectations, or making major financial decisions without access to clear guidance. “In many households, conversations around money, investing, real estate, or financial planning were often limited, not because people lacked ambition, but because they lacked access to trusted information and representation. That experience shaped the way I lead today. I’ve built my business around education first. I believe leadership is not about selling — it’s about empowering people to make informed decisions that can positively impact their families for generations. A large part of my role is helping clients feel seen, understood, and confident in spaces that can otherwise feel overwhelming or transactional. Serving the South Asian community has also taught me the value of relationship-based leadership. In our culture, trust is earned over time, and reputation matters deeply.

I approach every client relationship with accountability, transparency, and a long-term mindset because I understand that people are not just trusting me with a transaction — they’re trusting me with their future, their family goals, and often years of hard work and sacrifice. It has also strengthened my sense of responsibility as a leader. Representation matters, especially in industries like finance and real estate where many immigrant families historically felt underserved or misunderstood. I take pride in creating conversations around wealth-building, ownership, financial literacy, and legacy planning in a way that feels accessible and culturally relatable. Ultimately, serving this community has reminded me that leadership is about impact. It’s about creating opportunities, sharing knowledge, building trust, and helping people move from survival thinking into long-term wealth-building and financial confidence. Of course, every family and financial journey is unique, and outcomes can never be guaranteed. My focus has always been on education, strategic guidance, and helping clients make informed decisions aligned

www.whatthefinancial.ca

with their individual goals and circumstances.

Real estate can often feel reactive and emotional. How do you guide clients to think strategically and view purchases as deliberate wealthbuilding moves rather than just lifestyle decisions? Real estate can absolutely become emotional because for most people, it represents security, identity, family, and achievement. While those emotional factors are important, my role is to help clients balance emotion with strategy so their decisions support both their lifestyle and longterm financial goals. I guide clients by shifting the conversation from “What do you want to buy?” to “What is this purchase designed to accomplish for your future?” That mindset change creates a more intentional approach to homeownership and investing. A big part of my process involves education and financial clarity. Before looking at properties,

pam@whatthefinancial.ca

@pamksetia

@whatthefinancial

I help clients understand concepts like equity growth, leverage, carrying costs, market positioning, liquidity, cash flow sustainability, and long-term affordability. When people understand how real estate fits into their broader financial picture, they tend to make more disciplined and informed decisions rather than reactive ones.

The feature mentions resilience and ambition as part of your journey. What were some defining challenges that strengthened your perspective on leadership in real estate?

I also encourage clients to evaluate purchases through both a lifestyle lens and an investment lens. For example, we discuss questions like:

One of the biggest challenges that shaped my perspective on leadership in real estate was learning how to navigate industries that are highly transactional while still staying grounded in values, integrity, and long-term relationships. Early in my journey, I realized that success is not just about closing deals — it’s about earning trust consistently, especially during uncertain or highpressure moments.

●

Does this property align with your longterm financial goals?

●

Does it preserve flexibility for future opportunities?

●

Is the location positioned for long-term demand and growth?

●

How does this impact your overall financial health and borrowing capacity?

●

Can this property continue serving you as your life evolves?

In competitive markets like Ontario, emotions can often lead buyers to overextend financially or make rushed decisions. My approach is to create structure and remove unnecessary pressure by focusing on data, planning, negotiation strategy, and long-term sustainability. I want clients to feel confident that their purchase is not only emotionally fulfilling, but also financially responsible. Ultimately, I believe real estate should be viewed as part of a larger wealth-building strategy rather than an isolated transaction. Whether it’s a first home, a family upgrade, or an investment property, the goal is to help clients make decisions that support stability, opportunity, and long-term financial growth over time. Of course, every market cycle, property, and client situation is unique, and no financial or investment outcome can ever be guaranteed. My focus is always on helping clients make informed, well-structured decisions through education, due diligence, and strategic planning.

Coming from an immigrant background also gave me a very different perspective on resilience. I watched my family work incredibly hard to build stability while navigating systems that often felt unfamiliar or inaccessible. That experience taught me the importance of persistence, adaptability, and creating opportunities through education and discipline rather than shortcuts. Professionally, I’ve also experienced the realities of market shifts, changing interest rate environments, competitive industries, and the emotional pressure clients face when making major financial decisions. Those moments reinforced the importance of remaining calm, strategic, and solutions-focused as a leader. Clients are not just looking for someone to facilitate a transaction — they’re looking for guidance, clarity, and confidence during significant life decisions. Another defining challenge was balancing growth with authenticity. As my business expanded across Real Estate | Financial Planning, it became even more important to build systems, partnerships, and leadership practices that aligned with my core values. I learned that sustainable success comes from consistency, transparency, and protecting your reputation over the long term, even when it means making difficult decisions.

I also believe leadership is strengthened through responsibility. Working closely with families, firsttime buyers, investors, and entrepreneurs showed me how deeply financial decisions impact people’s lives. That responsibility pushed me to continuously grow my knowledge, improve my processes, and approach every client interaction with empathy and accountability. Ultimately, those challenges taught me that leadership in real estate is not about being the loudest person in the room — it’s about being dependable, strategic, resilient, and genuinely committed to helping others build stability and opportunity for themselves and their families. Of course, every entrepreneurial and market journey comes with uncertainty, and challenges are part of any business environment. My approach has always been centred on long-term thinking, disciplined decision-making, and leading with integrity through changing circumstances.

“Each deal unlocks what comes next.” How do you help clients think beyond a single transaction and map out a multi-step wealth strategy? I always tell clients that a property should not be viewed as an isolated purchase — it should be viewed as a stepping stone within a larger financial strategy. The philosophy behind “Each deal unlocks what comes next” is rooted in intentional planning, disciplined structuring, and understanding how one well-executed decision can create future opportunities. When I work with clients, I focus on helping them understand the long-term role a property can play within their broader wealth-building journey. That means we look beyond the immediate transaction and evaluate questions like: ●

How does this purchase impact future borrowing power?

●

Will this property create equity growth potential over time? www.whatthefinancial.ca

●

Does the financing structure preserve flexibility for future investments?

●

Can this asset eventually support refinancing, rental income, or portfolio expansion?

●

How does this align with long-term family, lifestyle, and financial goals?

For first-time buyers, that might mean helping them purchase strategically in a location with long-term growth potential so their first property becomes a foundation for future investments or wealth accumulation. For investors, it may involve structuring acquisitions in a way that supports scalability, cash flow management, and capital efficiency across multiple properties. A major part of the process is helping clients think in phases rather than one-time events. Real estate wealth is often built through a series of disciplined decisions over time — not through one perfect deal. I encourage clients to think about timelines, liquidity, debt management, risk tolerance, market positioning, and how each acquisition can strengthen their overall financial ecosystem.

pam@whatthefinancial.ca

@pamksetia

@whatthefinancial

My background across real estate and financial planning allows me to approach strategy holistically. I’m not only looking at the property itself, but also how financing, cash flow, tax considerations, leverage, and long-term planning interact. That integrated perspective helps clients make decisions with both present needs and future opportunities in mind. Ultimately, my goal is to help clients move from transactional thinking to a strategic ownership mindset. Every purchase should ideally create optionality, flexibility, and a stronger financial position that can support what comes next in their journey. Of course, every client situation, market condition, and investment outcome is unique, and no strategy or financial result can ever be guaranteed. My approach is always centred on education, due diligence, and helping clients make informed decisions aligned with their long-term objectives.

As you continue shaping conversations in Ontario’s real estate space, what legacy do you hope to leave—not just in transactions completed, but in futures built? The legacy I hope to leave goes far beyond transactions or sales volume. I want to be remembered for helping people change the trajectory of their lives through education, ownership, and long-term financial empowerment. For me, real estate has never just been about buying and selling properties. It’s about helping families create stability, helping first-time buyers build confidence, helping investors think strategically, and helping communities understand that wealth-building is possible with the right guidance, structure, and mindset. Coming from an immigrant background, I understand how transformational access to information can be. Many families work incredibly hard but are never taught how to leverage real estate, financing, or financial planning as tools for long-term growth. A big part of my mission has

been creating conversations that make wealthbuilding feel accessible, understandable, and achievable — especially for communities that may have historically felt underserved or overlooked. I also hope to leave a legacy of integrity and leadership within the industry itself. I want people to know that success and ethics can coexist—that you can lead with transparency, build meaningful relationships, prioritize education, and still create impact at a high level. That you can lead with transparency, build meaningful relationships, prioritize education, and still create impact at a high level. Reputation, trust, and how you make people feel throughout the process matter deeply to me. Beyond individual clients, I hope the work I’m doing contributes to a broader shift in how people approach real estate — not as a quick transaction or speculative decision, but as part of a larger strategy around financial literacy, generational planning, and long-term opportunity. Ultimately, if the people I’ve worked with feel more confident, more informed, more financially empowered, and better positioned to create opportunities for future generations, then I would consider that the most meaningful legacy I could leave. Of course, every financial journey is unique, and outcomes can never be guaranteed. My commitment has always been to provide education, strategic guidance, and support that helps clients make informed decisions aligned with their long-term goals and personal circumstances. CONNECT WITH ME Whether you are purchasing your first home, expanding your real estate portfolio, or looking to create a more coordinated financial strategy, my team at What The Financial and I can help you understand your options and plan your next move with confidence. Visit www.whatthefinancial. ca, email me at pam@ whatthefinancial.ca, or follow @pamksetia and @ whatthefinancial on Instagram to connect and learn more.

Connect with me and start building your strategy

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MARKET WATCH GTA REALTORS ® Release August Stats TORONTO, ONTARIO, September 3, 2026 – The number of homes available for sale in August 2026 was down noticeably compared to last year in the Greater Toronto Area (GTA). Following this trend, home sales also edged lower, as the number of transactions was arguably limited by less choice in some neighbourhoods. Less choice and more competition between buyers could ultimately result in renewed price growth in the months ahead. GTA REALTORS® reported 5,057 home sales through TRREB’s MLS® System in August 2026 – down 2.1 per cent compared to August 2025. New listings entered into the MLS® System amounted to 12,075 – down by 14.1 per cent year-over-year. On a seasonally adjusted basis, August 2026 home sales were down slightly month-overmonth compared to July 2026, while new listings were up. “If inventory tightens and home prices begin to rise, some buyers may face a trade-off between waiting for greater economic certainty and purchasing before prices move higher. At the same time, improving market conditions for sellers could bring more listings to market, providing buyers with additional choice,” said Toronto Regional Real Estate Board (TRREB) President Daniel Steinfeld. The MLS® Home Price Index (MLS® HPI) Composite benchmark was down by 4.5

August 2026

Economic Indicators

per cent year-over-year in August 2026. The average selling price, at $993,410, was down by 2.7 per cent. On a month-over-month seasonally adjusted basis, MLS® HPI Composite was essentially flat compared to July 2026.

Real GDP Growth

The average selling price edged up over the previous month.

“Ownership housing in the GTA has remained relatively affordable over the past year, with average prices dipping and mortgage rates remaining somewhat flat. Recent news on the overall economy and job creation has been positive.

Toronto Employment Growth

The main hold-back for many households has been concerns around trade with the United States and the potential for higher inflation and borrowing costs in the future,” said TRREB’s Chief Information Officer Jason Mercer.

July

“A more balanced resale market is a positive development, but it does not address Ontario’s ongoing housing supply and affordability challenges. Governments should take advantage of this opportunity to eliminate barriers to attainable housing, including restrictive zoning policies, high taxes and development charges, and lengthy approval processes. Municipalities, in particular, play a significant role in determining how much housing is built, how quickly projects move forward, and the overall cost of delivering homes,” said TRREB CEO John DiMichele.

July

2026

-0.1%

2026

1.5%

Toronto Unemployment Rate (SA) July

2026

6.8%

Inflation (Yr./Yr. CPI Growth) 2026

3.0%

Bank of Canada Overnight Rate August

2026

2.3%

2026

4.5%

Prime Rate August

Mortgage Rates

August 2026

1 Year

5.49%

3 Year

6.05%

5 Year

6.09%

Sources and Notes i - Statistics Canada, Quarter-over-quarter growth, annualized. ii - Statistics Canada, Year-over-year growth for the most recently reported month. iii -Bank of Canada, Rate from most recent Bank of Canada announcement. iv -Bank of Canada, Rates for most recently completed month.

August 2026

August 2025

Sales & Average Price by Major Home Type Sales TRREB MLS® Average Price August 2026

416

905

Total

416

905

Total

Detached

550

1,849

2,399

$1,525,749

$1,218,148

$1,288,669

Semi-Detached

159

280

439

$1,110,639

$830,033

$931,665

Townhouse

165

667

832

$797,856

$784,086

$786,817

885

445 1,330 $1,021,300

$651,648

$549,868

$617,593

416

905

Total

416

905

Total

Detached

3.6%

-0.4%

0.5%

-0.1%

-2.6%

-1.8%

Semi-Detached

1.3%

0.7%

0.9%

-1.8%

-7.2%

-5.0%

-9.0% August -9.5% 2025 -6.9% -2.6%

-12.9%

-7.5%

-8.6%

-2.1%

-7.6%

-3.6%

Condo Apt

$993,410

YoY % change

Average Price

-11.3% TownhouseAugust 2026 Condo Apt -0.2%

TRREB MLS Sales Activity

Year-Over-Year Summary

ate Board

2026

2025

% Chg

Sales

5,057

5,168

-2.1%

New Listings

12,075 1,225

14,052 0

-14.1% -2.1%

Active Listings

24,482 0

27,594 0

-2.1% -11.3%

Average Price

$993,410

$1,021,300

-2.7%

Avg. LDOM

6.1%

August 2026

Avg. PDOM

4.1%

TRREB MLS Average Price

August 2025

$1,021,300

5,057

$993,410

Market Watch, August 2026

5,168

August 2026

August 2025

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MASTERING THE TAX SEASON: EXPERT INSIGHTS FROM

SUKH TAX & FINANCIAL SERVICES What inspired your family to start Sukh Tax and Financial Services, and how has the journey evolved over the years? With a passion for entrepreneurship, our family decided to start the business over a decade ago to help Canadians and local businesses grow. Over the years, we have continually evolved our service offerings to adapt to the ever-changing business environment. Currently we operate four physical locations and serve clients across Canada through our virtual platforms, including the Sukh Tax App, WhatsApp, and our website. Our primary focus remains on being a trusted financial partner to our clients, driving innovation, and leveraging technology to provide comprehensive, holistic services.

www.sukhtax.com

905-456-0660

What are the key advantages and challenges of running a family-owned business? Among others, some of the key advantages of running a family-owned business are having a shared vision, flexibility, and commitment. As a family, we share a common vision for the long-term direction of the business, which strengthens the decision-making process. There is also a lot of flexibility when it comes to decisionmaking. In a family environment, it is easier to facilitate discussions and implement changes quickly because the main decision makers are in constant contact with one another. Lastly, there is a high level of commitment within a family business as everyone is striving to achieve a common goal. Some of the challenges when it comes to running a family business include finding balance, role ambiguity and conflict resolution. Finding a balance between personal and professional life can be difficult, particularly if business discussions are cutting into family time. This can have a negative impact on personal relationships. Role ambiguity can also pose a challenge as family members may have overlapping or unclear responsibilities. To avoid confusion and inefficiencies, it is important to clearly delegate roles among the family members. Conflict resolution is another important challenge that can lead to difficulties when managing a family business.

Some of the challenges when it comes to running a family business include finding balance, role ambiguity and conflict resolution. Finding a balance between personal and professional life can be difficult, particularly if business discussions are cutting into family time How do you divide roles and responsibilities among family members to ensure smooth operations? To create efficiencies, each family member is delegated roles based on their strengths. These roles and responsibilities are clearly defined to avoid confusion, and regular touchpoints are scheduled to ensure timelines are being met. By utilizing the skills and expertise of each individual, we are able to improve the efficiency of business operations. Creating an organized structure within any business is important to ensure productivity, and even more particularly important in a family run business.

What values or principles do you believe set Sukh Tax apart from larger or non-family-run competitors? We believe that the following values set Sukh Tax apart from our competitors: Client-centric approach – we place a strong emphasis on personalized customer service and building longterm relationships with our clients. Our key goal is to deliver excellence, through providing quality services and showcasing mastery in our industry. www.sukhtax.com

905-456-0660

At Sukh Tax, we are continuously exploring innovative solutions to enhance our services where we leverage modern technologies to better serve our clients

Respect – showing respect to clients and team members is the most important value that we embody at Sukh Tax. We make it a priority to ensure that every client interaction is conducted with respect. We also prioritize mutual respect among team members to foster a collaborative work environment, where we support and encourage each other’s professional growth. Community involvement – as a family-run business, we strive to be a part of the community and give back in every possible way that we can. To remain involved, we have participated in numerous local events where we share valuable tax knowledge. We have also sponsored community events as we believe in supporting other local business and organizations. Innovation – at Sukh Tax, we are continuously exploring innovative solutions to enhance our services where we leverage modern technologies to better serve our clients. In today’s fast-paced environment, we ensure to remain open-minded and adapt our business practices to align with the evolving dynamics of the financial world.

What are the biggest mistakes you see businesses and individuals make during tax season? The biggest common mistakes that we see both businesses and individuals make during tax season are missing deadlines, failing to keep accurate records, not seeking professional help, not planning for tax liabilities, and ignoring changes in tax laws. Missing deadlines on your personal and corporate tax filings can result in heavy penalty fees and interest charges, that can be hard to reverse. These charges can be avoided by maintaining your books at a trusted accounting firm that will ensure that deadlines are met. We also see individuals and businesses failing to keep accurate records of their transactions, which can lead to inaccurate tax filings. The third common mistake is not seeking professional help. We see this more often with individuals than businesses, as taxpayers often underestimate the complexity of personal tax filings. It is important that both individuals and businesses seek professional help with technical tax matters.

www.sukhtax.com

905-456-0660

We also encourage our clients to take advantage of new product offerings that can digitalize their day-today accounting, allowing for more accurate record-keeping

Many individuals and businesses do not plan for upcoming tax liabilities and are often shocked by the owing amount at the time of tax filing. It is important to remember if that you have self-employment or business income, you need to set aside estimated tax payments as these payments are not withheld throughout the year. Lastly, tax laws are subject to frequent changes and not being aware of these developments can lead to missed opportunities or even non-compliance. It is important that you speak to your accountant to understand how recent changes in tax law can have an impact on your finances.

How has the tax landscape changed in recent years, and how do you help clients navigate these changes? The tax landscape is ever-changing and in recent years particularly, we have seen changes in Harmonized Sales Tax (HST) and Goods and Services Tax (GST), capital gain rules, taxation of cryptocurrency and overall, a shift to digital tax filing. In today’s technology-focused business environment, Canada has increasingly moved towards digital tax filing and reporting, allowing for more flexibility and efficiency. We have helped clients navigate these changes by keeping them educated through our regular email blogs as well as touchpoints to discuss how these changes impact their specific financial situations. We also encourage our clients to take advantage of new product offerings that can digitalize their day-to-day accounting, allowing for more accurate record-keeping.

What strategies do you recommend to businesses for better tax planning and compliance throughout the year? Some key strategies that we recommend to businesses include: maintaining accurate and organized records, understanding your tax obligations, and seeking professional advice before completing major transactions. It is important for businesses to maintain up-todate recordkeeping to ensure that financial data is accessible, accurate, and complete, which is essential for preparing accurate tax filings. Businesses can use bookkeeping software or ask their accountant to help with timely accounting. It is also very important for businesses to understand their tax obligations to avoid issues such as non-compliance penalties and CRA audits.

www.sukhtax.com

905-456-0660

Depending on the nature of the transactions, each business can have different tax implications and deadlines. Therefore, it is crucial to speak to your accountant to understand your business’s specific tax obligations. Lastly, it is essential to speak to a trusted professional, such as your lawyer and accountant, before completing substantial transactions. Seeking advice before making these decisions can really help you to understand alternatives and manage your financial situation better. Our focus at Sukh Tax is to be a forward-looking firm, taking a proactive approach to help our clients with due diligence before making important decisions.

Can you share a memorable success story where Sukh Tax helped a client save significantly or overcome a major tax challenge? At Sukh Tax, we have helped businesses big or small resolve and deal with complex tax situations, but one of our most recent memorable success stories is one where we helped a vulnerable senior client benefit from her unused RRSP contributions. Upon checking her CRA records for previous tax filings, this client had RRSP balances from previous years that were not used as a tax deduction. Although the process took months to resolve with constant coordination with CRA, we were able to help this client change her tax situation from a very large balance owing to a refund position. As a result, the client expressed deep gratitude, and it is that sense of appreciation that motivates us as a firm and makes our work so rewarding. No matter the size or profile of a client and their tax situation, Sukh Tax is committed to helping clients financially prosper.

What role does community engagement play in your business, and how do you maintain strong client relationships? As a family run business, staying involved within the community and maintaining meaningful client relationships is highly valued. Within the community, we ensure to upkeep our involvement by attending local events, as well as events within the accounting industry. Through these events, we are able to share valuable tax knowledge and provide mentorship to young professionals. Over the years, we have also built a strong internship program for accounting students, helping them to kickstart their careers. At the firm, we place high importance on building strong client relationships through maintaining a personal touch with our client base. We do so by taking the time to ensure that each client interaction is handled with care, professionalism and with a helpful mindset.

What advice would you give to young entrepreneurs starting their own business, particularly in financial services? Starting a business, especially in financial services, can be both exciting and challenging. As a young entrepreneur entering this field, it’s crucial to not only focus on innovation and growth but also on building trust, compliance, and long-term sustainability. Some key pieces of advice are to focus on expertise, leverage technology, building relationships and being adaptable. As the financial services industry is highly regulated and technical, it is essential to have a solid understanding of financial concepts, regulations, and the specific needs of your target clientele. This will help build trust and creditability with your clients. It is also important to keep up with new and emerging technologies, as financial technology (fintech) is revolutionizing the financial services industry. Consider integrating this cutting-edge technology into your offerings to enhance the client experience and operational efficiency. Within the financial services industry, it is crucial to network and build relationships with not only prospect clients, but also with other professionals. Having connections with likeminded professionals will help you stay up to date of current and common practices which will allow you to improve on the quality of your service offerings. Lastly, staying adaptable and open to change is key in today’s world. The financial services industry is always evolving, and it is essential to stay on top of market trends, new financial products, changing regulations and technological advancements. Being adaptable allows you to pivot and seize new opportunities when they arise, which can become your competitive advantage. www.sukhtax.com

905-456-0660

How is Sukh Tax adapting to emerging trends like digital transformation, AI, or new financial tools in the tax and financial industry? At Sukh Tax, a key factor in our mission statement is to employ modern strategies to provide comprehensive end-to-end services. We make it a top priority to stay up to date with and invest in new and emerging technologies to better serve our clients. In the recent years, we have expanded our service offerings to include virtual platforms such as the Sukh Tax App, WhatsApp, and our website where clients are able to file and discuss their personal and corporate tax returns completely online. We also use various cloud-based accounting software, which allows our business clients to take advantage of new accounting tools that can increase efficiency. We believe that staying at the forefront of emerging technological advancements not only benefits us, but more importantly, helps our clients improve the quality of their financial management.

What’s next for Sukh Tax and Financial Services, and what are your long-term goals for the business? Our long-term goal for the business is to continue remaining client-centric and provide the best possible services to our network. Sukh Tax aims to go beyond just being your typical accounting firm; instead, our mission is to be the financial partner for Canadian businesses and individuals. Being there to support our clients at every step of their financial journey holds great importance to us and is the objective behind every business decision made at Sukh Tax. LOCATIONS: 2-519 Ray Lawson Blvd Brampton ON L6Y 0N2 info@sukhtax.com (905) 456-0660 ext 1

18-488 Eglinton Ave W Mississauga ON L5R 0G2 eglinton@sukhtax.com (905) 456-0660 ext 2

13-2275 Britannia Rd W Mississauga ON L5M 2G6 britannia@sukhtax.com (905) 456-0660 ext 3

13-1235 Queensway E Mississauga ON L4Y 0G4 queensway@sukhtax.com (905) 456-0660 ext 4

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