Fadi Bacha

Financial Security Advisor

Let's Start With a Conversation
  • Mutual Fund Representative¹
  • Financial Security Advisor²

Some see financial freedom as a dream;

others reach it by following a plan.

Hi, I’m Fadi, a finance graduate, investor, and lifelong student of wealth building. I help families and business owners design and implement tax-efficient investing, retirement, insurance, and corporate strategies.
Let's Start With a Conversation
About Fadi
  • Watch the introduction
  • Meet Fadi — how better decisions build financial success
  • How I help

Financial Success Is Not Defined by Finding the Perfect Investment

Many people believe financial success comes from finding the next hot stock or chasing the highest return. My experience has taught me something different.

Financial success is usually the result of making good decisions consistently over time.

That includes:

Having a plan

Paying attention to taxes

Using the right accounts

Managing debt wisely

Protecting your family

Investing with discipline

Staying focused on long-term goals

My role is to help you make those decisions with confidence.

If you'd like a second opinion or a clearer financial direction, I'd be glad to have a conversation.

Let's Start With a Conversation
  • Who I work with

For Individuals and Families

Most people I meet with want clarity. They want to understand their options, make informed decisions, and feel confident about the path they’re taking.

Here are the kinds of questions I encourage you to ask yourself:

01

Am I paying more tax than I should, and what simple steps can reduce my tax bill?

02

Am I making the most of my money?

03

Should I contribute to my RRSP, TFSA, or FHSA, and how much?

04

Is borrowing to invest a smart move or a risky one?

05

Am I saving enough for retirement?

06

I bought gold and crypto, am I investing or am I actually speculating?

07

Do I need life insurance, and if so, should it be term or permanent?

08

What's the difference between disability and critical illness insurance, and do I need either one?

09

How should I prioritize my financial goals when I can't fund everything at once?

10

What's the right balance between saving, investing, and enjoying my money today?

11

Can I realistically reach financial freedom in X years?

  • Complex situations

For Business Owners

Business owners face a different set of challenges, especially around taxes, planning, and protecting their wealth. Common questions business owners ask include:

01

How can I legally take money out of my company with minimal tax?

02

What will my tax bill look like at death?

03

How does investing inside a holding company differ from investing personally?

04

How can I convert highly taxed interest income into more tax-efficient dividends or capital gains?

05

How can my investments be protected and kept out of reach from creditors if my business faces difficult times?

06

How can corporately owned life insurance provide retirement income, and what tax advantages make this strategy attractive for some business owners?

07

As partners, should we use life insurance to fund our buy-sell agreement?

08

Do I have the right insurance in place to protect my business if something happens to me as the key person?

Let's Start With a Conversation

Finance, Concordia University

25+ years personal investing

15 years leading operations

Families & business owners

  • About Fadi

Financial Guidance Built on Education, Experience, and Real Life

My interest in finance began during my university years, when I studied Finance at Concordia University. I started my career in investments, banking, and insurance. Over time, my path shifted, and I spent 15 years managing and expanding customer care operations for multinational organizations serving multiple countries.
During that time, family and friends would still come to me with financial questions, and I realized how much I genuinely enjoyed researching the right answers even when I was simply doing it as a favor. I also found real satisfaction in managing my own investments, RRSPs, RESPs, TFSAs, insurance, home-equity mortgage strategies, and rental properties for more than 25 years. That’s when it became clear this was something I was meant to do for a living.
Today, I help families and business owners take control of their money, avoid costly mistakes, and feel more confident about their financial future. Some see financial freedom as a dream; others reach it by following a plan.

My approach is grounded in professional education, industry experience, and real-life practice, applying the same principles I use in my own financial life.

Let's Start With a Conversation
  • Insights

Short videos on the decisions that matter

  • Planning
  • Five steps toward financial freedom
  • Investing
  • Investing versus speculating: knowing the difference
  • Tax strategy
  • Smarter financial decisions, year after year
  • Contact

Let's Start With a Conversation

Complete the form below and I’ll be happy to get back to you within 1 to 2 business day
  • Fadi Bacha

Mutual fund representative1
Financial security representative2
Centropolis Laval

  • Prefer to contact me directly?

Call or text: 514-804-3212

Email: fadi.bacha@agc.ia.ca

Address
T110-3055 Boul Saint-Martin O, Laval QC H7T 0J3, CANADA

¹ With Investia Financial Services Inc.
² iA Financial Group