Aspiring Financial Planner

Transform Your Financial Future

Hi, I'm Nivethan Raj. With cutting-edge financial strategies and personalized wealth management, I help ambitious individuals and families build lasting financial legacies.

Nivethan Raj
Nivethan Raj
Investment Specialist
MF Licensed 5 Years Exp
3 Banks
Top Institutions
5 Years
Experience
Interactive Planning Tool

See Your Financial Future

Adjust the sliders below to explore how different scenarios could impact your financial future. Watch your projected wealth grow in real-time.

Your Financial Parameters

Projected Net Worth at Retirement
$2,847,523
In 30 years

Portfolio Growth Projection

Projected Growth
Contributions

Ready to turn these projections into reality? Let's create your personalized financial plan.

Comprehensive Solutions

How I Can Help You

🎯

Retirement Planning

Strategic retirement roadmaps ensuring you can maintain your lifestyle and achieve your dreams in your golden years.

💎

Investment Management

Sophisticated portfolio strategies designed to maximize returns while managing risk according to your goals.

🏛️

Estate Planning

Comprehensive estate strategies to protect and transfer your wealth efficiently to future generations.

My Portfolio

The Journey of Excellence

From managing portfolios in India to advising clients at Canada's leading financial institutions

🎮 Career Journey Quest

CURRENT LEVEL

Investment Coordinator

National Bank of Canada • 6 Months

  • ⚡ Handled high volume of client interactions, resolving financial requests and identifying investment opportunities for retention
  • ⚡ Advised clients on registered and non-registered accounts with tailored, goal-based solutions
  • ⚡ Ensured compliance with KYC requirements and suitability assessments
  • ⚡ Built strong relationships through timely follow-ups and cross-department coordination
🏆

Watch My Pitch

My passion for financial planning

💎
LEVEL 2

Investment Specialist

BMO Wealth Management • 6 Months • Toronto, ON

  • ⚡ Maintained suite of accounts across Smartfolio Product Line (RRSP, TFSA, RIF, RESP, non-registered)
  • ⚡ Verified AML compliance and documented findings in RIS, handled EFT setup and changes
  • ⚡ Completed ATON and non-ATON transfers across Canada, maintaining strong OFI relationships
  • ⚡ Assessed client investment objectives and documented in Pathway, RIS, and AWS systems
  • ⚡ Resolved 60+ tickets daily on BPM, consistently meeting all SLAs
LEVEL 3 - FOUNDATION

Investment Advisor

Blue Diamond Capital - India • 4 Years

  • ⚡ Managed portfolio totaling INR 500,000 AUM with high-net-worth clients
  • ⚡ Developed customized strategies: asset allocation, risk management, diversification using mutual funds and ETFs
  • ⚡ Ensured compliance with banking laws and maintained high ethical standards
  • ⚡ Monitored market trends and contributed to 10% increase in portfolio growth
🌟

🎯 Total Experience

5 Years

3 Major Organizations • 2 Countries

🎓 Certifications & Licenses

📜

Mutual Funds Licensed

Authorized to trade and advise on mutual fund investments

✅

Qualified for CFP

Ready to write Certified Financial Planner examination

Proven Success Stories

Real Life Sample Plans

Explore actual financial plans I've created for clients (names changed for privacy). See how personalized strategies transform financial futures.

The Tech Professional

Sarah Thompson, 28, Software Developer

$120K
Annual Income
$45K
Current Savings

Goals Achieved:

  • ✔ Emergency fund: 6 months expenses
  • ✔ Max TFSA + RRSP: $25K/year
  • ✔ House down payment at age 30
  • ✔ FIRE target: Age 45
Projected Net Worth at 45
$2.8M

The Growing Family

Mike & Lisa, 35 & 33, 2 Kids

$250K
Combined Income
$380K
Current Assets

Goals Achieved:

  • ✔ 529 Plans: $500K by college
  • ✔ Life insurance: $2M coverage
  • ✔ Tax optimization: Save $35K/year
  • ✔ Retirement at 60 secured
Projected Net Worth at 60
$5.4M

The Business Owner

Robert Anderson, Entrepreneur

$23M
Net Worth
$15M
Business Value

Goals Achieved:

  • ✔ Estate freeze strategy
  • ✔ Holding company optimization
  • ✔ Tax savings: $200K+/year
  • ✔ Multi-generation wealth transfer
Annual Income
$1.1M

The Early Retiree

Jennifer, 52, Retired Professional

$3.5M
Retirement Portfolio
$180K
Annual Income

Goals Achieved:

  • ✔ Retired at 52 years old
  • ✔ 40+ year sustainable income
  • ✔ Tax-optimized withdrawals
  • ✔ CPP enhanced by 42%
Estate Value at 95
$2M+

The UHNW Family

David & Patricia, Ultra-Wealthy

$45M
Net Worth
$2M
Annual Income

Goals Achieved:

  • ✔ Family trust structure
  • ✔ $10M charitable foundation
  • ✔ Tax optimization: $500K+/year
  • ✔ Multi-generation legacy plan
Projected Net Worth 2035
$85M

The Medical Professional

Dr. Ahmed, 38, Surgeon

$450K
Annual Income
$280K
Student Debt

Goals Achieved:

  • ✔ Debt-free by age 41
  • ✔ PC optimization: $200K/year
  • ✔ IPP pension plan: $1.5M
  • ✔ Retire at 55 with $300K income
Net Worth at Age 55
$8.5M
Comprehensive Financial Solutions

Our Services

📊

Financial Planning

Comprehensive financial roadmaps tailored to your unique goals and circumstances.

💼

Investment Management

Professional portfolio management with diversified strategies for optimal returns.

🎯

Retirement Planning

Strategic planning for RRSP, TFSA, and pension accounts to ensure a comfortable retirement lifestyle.

💰

Wealth Accumulation

Build your wealth through systematic savings, mutual fund investments, and asset allocation strategies.

📈

Portfolio Analysis

Comprehensive review of your investment portfolio with recommendations for optimization and rebalancing.

🏦

RRSP & TFSA Advisory

Maximize your tax-advantaged accounts with strategic contribution planning and investment selection.

🛡️

Risk Assessment

Evaluate your risk tolerance and create an investment strategy aligned with your comfort level and goals.

👨‍👩‍👧‍👦

Education Planning

RESP strategies to help save for your children's future education with government grants and tax benefits.

📋

Financial Reviews

Regular portfolio check-ups and financial health assessments to keep you on track toward your goals.

🌱

Goal-Based Planning

Customized strategies for major life goals like buying a home, starting a business, or early retirement.

🔄

Account Transfers

Seamless ATON and non-ATON transfers between financial institutions with full compliance support.

💎

Mutual Funds Selection

Expert guidance on selecting the right mutual funds based on your investment objectives and risk profile.

🎓

Financial Education

Empower yourself with knowledge about investing, market trends, and smart money management strategies.

Get Started Today

Let's Build Your Future

Ready to take control of your financial future? I'm here to help you create a personalized strategy that aligns with your goals and dreams.

📞
Call Directly
+1 (905) 783-7974
✉️
Email Me
nivethanraj.ca@gmail.com
📍
Visit Office
Bay Street, Toronto, ON

Schedule Your Free Consultation