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Sanjay Gupta Financial Expert, Principal — Mode Money Managers
Sanjay Gupta Financial Security Advisor • M.M.S., CSC®, RIS®, PFA®, CEA, CFP
CSI - Sanjay Gupta Financial Expert Credentials RIA - Wealth Architecture Professional PFA - Estate Sovereignty Certification CEA - Estate Sovereignty Expert CFP - Certified Financial Planner*

* Certified to advise on Indian financial planning matters by FPSB of India, an Affiliate of Financial Planning Standards Board Ltd.

We do not sell financial products.
We engineer structural permanence for generations.

What We Do

What is Complete Financial Architecture?

Every service you need — insurance, investments, and planning — under one roof, with zero product bias.

Life Insurance for Estate Sovereignty - Sanjay Gupta Financial Advisor Vancouver

Life Insurance

Affordable coverage to protect your loved ones. Term, whole life, and universal policies tailored to your family structure.

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Disability Insurance and Wealth Architecture - Sanjay Gupta Vancouver

Disability Insurance

Monthly income replacement if illness or injury prevents you from working. Your most valuable asset is your ability to earn.

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Critical Illness Coverage by Sanjay Gupta Financial Expert Vancouver

Critical Illness

Tax-free lump sum upon diagnosis of a covered condition. Focus on recovery, not financial survival.

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Travel Insurance Surrey BC - Mode Money Managers

Travel Insurance

Comprehensive travel and visitor coverage for Canadians abroad and foreign nationals visiting Canada, including Super Visa plans.

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Health & Dental benefits - Wealth Architecture

Health & Dental

Extended health, dental, and paramedical coverage for individuals, families, and small business groups.

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Mortgage Protection for Estate Sovereignty

Mortgage Protection

Safeguard your home with an income replacement plan to cover your monthly mortgage obligations if the unexpected happens.

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RRSP - Sanjay Gupta Financial Expert

RRSP

Tax-deductible retirement savings. Reduce your taxable income today while building a secure retirement nest egg for tomorrow.

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TFSA Wealth Architecture

TFSA

Your money and all growth tax-free for life — with total liquidity. The most flexible wealth-building tool in Canada.

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RESP Planning for Estate Sovereignty

RESP

Gift your child a fully-funded education. Maximize government grants and build tax-sheltered growth for post-secondary.

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Mutual Funds - Sanjay Gupta Financial Expert

Mutual Funds

Professionally managed, diversified portfolios across equity, fixed income, and alternative asset classes. Access to 20+ fund families.

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Annuities and Wealth Architecture

Annuities

Guaranteed income for life after retirement. You will never outlive your assets with a properly structured annuity.

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RDSP Estate Sovereignty

RDSP

Investment accounts for Canadians with disabilities, amplified by significant government grants and bonds.

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Retirement Planning by Sanjay Gupta Financial Expert

Retirement Planning

RRIF drawdown strategy, CPP optimization, pension coordination, and a retirement income plan that lasts as long as you do.

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Estate Architecture and Sovereignty Planning

Estate Architecture

Dynasty trusts, estate freezes, and succession plans that transfer your wealth to the next generation with minimal tax erosion.

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Tax Optimization - Wealth Architecture

Tax Optimization

Corporate structure planning, holding companies, and tax-efficient withdrawal strategies for business owners and high earners.

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Dental Financial Care and Estate Sovereignty

Dental Financial Care

Specialized financial planning for dentists and dental professionals — practice protection, associate agreements, and incorporation strategy.

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Invest in India - Sanjay Gupta Financial Expert

Invest in India

Cross-border investment strategies for Canadians with ties to India. NRE/NRO accounts, repatriation planning, and portfolio diversification.

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Family Legacy Planning for Estate Sovereignty

Family Legacy Planning

Holistic alignment of income, investments, and insurance to secure the life goals and dreams of every family member across generations.

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S. GUPTA
Sanjay Gupta Financial Expert — Principal, Wealth Architecture

How does Mode Money Managers build Structural Financial Integrity?

Sanjay Gupta began his career in Mumbai — Asia’s financial hub — before bringing his expertise to Vancouver and across Canada. His purpose is simple: make institutional-grade financial strategy accessible to every family, regardless of where they are in their wealth journey.

As a licensed Financial Security Advisor, Life & Health Insurance Advisor, and Mutual Fund Representative, Sanjay offers a fully integrated approach — insurance, investments, tax optimization, and estate planning — all under one roof with zero product bias.

Sanjay Gupta Signature

Insurance Pillar

  • Life
  • Disability
  • Critical Illness
  • Travel
  • Super Visa
  • Health & Dental

Investment Pillar

  • RRSP
  • TFSA
  • RESP
  • RRIF
  • RDSP
  • Mutual Funds
  • Annuities
Fiduciary Intelligence

What are the Latest Insights on Wealth & Estate Planning?

Strategic perspectives on wealth architecture, tax optimization, and family estate sovereignty in Canada.

Financial Planning for Newcomers to Canada - Roadmap
Newcomers & Families • May 10, 2026

Financial Planning for Newcomers: A Step-by-Step Roadmap

A clear, step-by-step roadmap to organize your money, build credit, and navigate your first few years in Canada.

Sanjay Gupta, CEA Read Article →
Non-Registered Investments vs TFSA vs RRSP
Investments & Tax • Apr 12, 2026

Non-Registered vs TFSA vs RRSP: The Clear Guide

Understand how TFSA, RRSP, and non-registered investment accounts work together in a tax-smart plan.

Sanjay Gupta, CEA Read Article →
Financial Planning Checklist for Canadian Families
Newcomers & Families • Jan 20, 2026

Family Financial Planning: The 12 Essentials Checklist

A comprehensive 12-point checklist to help Canadian families organize, optimize, and secure their financial future.

Sanjay Gupta, CEA Read Article →
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Client Stories

What do clients say about Mode Money Managers?

★★★★★ 5.0 on Google · 100+ Reviews
★★★★★

“Over the past ten years, Sanjay and his team have guided us through some of our biggest financial decisions… Their values are deeply rooted, their communication is top-notch.”

Mehak Khanna - Testimonial

Mehak Khanna

Learning & Development Manager

★★★★★

“The team at Mode Money Managers has made me feel supported and confident… I appreciated how they involved my kids… understanding money in a practical way.”

Twisa Jariwala - Testimonial

Twisa Jariwala

Architect

★★★★★

“Very professional and resourceful! They created a strategy based on my preferences instead of sticking a template to me — rare in this business.”

Dr. Yakun Gupta - Testimonial

Dr. Yakun Gupta

General Dentist & Clinical Skills Instructor

★★★★★

“Privilege of working with Mode Money Managers. They addressed requirements promptly and explained them in a simplified manner.”

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Dikshant Joshi

Professional Actor

★★★★★

“Fantastic customer service… guided us through my Mom’s travel insurance process. Always helpful and always available!”

Heer Champaneri - Testimonial

Heer Champaneri

Business Analyst

★★★★★

“I have been lucky enough to get in touch with Mode Money Managers for all my financial needs. Staff is super courteous and services are professional and unbiased. Highly recommended.”

Client Review from Bhavik Patel - Mode Money Managers Testimonial

Bhavik Patel

Mechanical Engineer

★★★★★

“Sanjay and his stellar team are very kind and patient when educating me about money matters. If you are looking for financial advice from very kind people I highly recommend them!”

M

Matthew

Landscaper

★★★★★

“I found that the staff at Mode Money Managers are honest and offer a wide variety of financial services. Pleasant experience because of their always quick support!”

Client Review from Rima Patel - Mode Money Managers Testimonial

Rima Patel

Freelancer

★★★★★

“I had an excellent experience with Mode Money Managers. Their team is highly professional, knowledgeable, and truly takes the time to understand your financial goals — personalized, not one-size-fits-all.”

Client Review from Shanil Jariwala - Mode Money Managers Testimonial

Shanil Jariwala

Customer Service Representative | CSR, ICBC

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