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Discover what clients are saying about our investment management firm, Heda Investments in Woodbridge, Vaughan, GTA, Toronto, Ontario. Real testimonials from real clients! Testimonials Testimonials "Sunil Heda has proven to be a competent, trustworthy and valuable financial advisor. Based on my experience with Sunil and other past experiences, I would highly recommend him." - Paul "Sunil Heda has managed my investment portfolio for the past eight years. During this period the portfolio has grown a significant percentage because of his skillful ability to transact at the appropriate time and in the appropriate securities. Mr. Heda comes to this area of work with excellent skills. I can confidently recommend him as a Financial Advisor for Investment portfolios." - Abe "My Investments, pension funds, RRSPs were with various institutions and I was loosing track of it; wasn’t aware that consolidation can be done. Sunil explained the possibilities, helped with operational procedures to bring all investments under consolidation & helped me to appreciate & enjoy seeing my funds growing. Thanks a lot Sunil." - Rajashree "Thanks for providing us excellent services. Sunil responds to every email within minutes & takes best efforts to understand & answer all queries." - Neera "I am extremely happy with the services provided by Sunil. He is always alert with conditions and up to date in knowledge of current financials and investments. I will be pleased to recommend his name to my friends and families." - Rajender "Sunil has done a great job managing my portfolio, not just in terms of the positive steady growth I have enjoyed, but the highly tailored service, advice and options Sunil brings forward. It has been a positive experience from managing my own portfolio." - Vivek "Sunil shows professionalism, patience and a certain level of detail which is assuring. He is responsive with timely communications with his clients. He brings forward solutions with long-term thinking keeping in view the client requirements." - Rajesh "Sunil Heda has given me very good advice and structured an effective investment strategy, based on an assessment of risk tolerance, to meet my income needs and asset growth objectives. He has provided me with clear and well researched analysis of market conditions and available investment options. Sunil is friendly, responsive and proactive in carrying out actions and servicing my portfolio. He is a thoroughly reliable professional who also adds value by regularly keeping me informed with market updates and relevant investment related publications of interest. Sunil is a high quality Investment Advisor" - Gopinath "It was a pleasure working with sunil who seemed to have all the answers to our health & financial insurance questions. Sunil always goes beyond & above to find the right product for my family, he is professional & knowledgeable in his career. *Outstanding Service* I would highly recommend Sunil to my friends & family members. Thank you Sunil." - Georges "Warren Buffet maintains 'Risk comes from not knowing what you are doing'. In these busy times common investor is very ignorant and finds it challenging to keep pace with the performances of all contemporary corporates and mushrooming startups. Hence the quest for honest and sincere experts to identify opportunities to park hard earned savings in a fruitful way. Enter Sunil Heda!! Sunil's relentless efforts impressed me. His sincerity and integrity is unquestionable. His expertise is established by his in-depth knowledge backed by his rich experience. Historically, he has showcased his mettle and produced results for me. Following Buffets tenet, I invested in something I know - meaning, I've invested in Sunil's expertise and again following Warren Buffets prophecy, forgotten about my investment for long run with an unwavering belief that I shall come out triumphant. Thank you for your help Sunil." - Yatendra "Sunil is well experienced with investment and insurance field in Canada & US. He has earnest urge to do well for all his customers in terms of optimal returns on investments & required insurance to protect families.; "He was patient, sincere & honest while detailing various investments options, risks associated and the ways to mitigate risks to possible minimum. I am happy with the investment options he chose for us & it’s consistent returns." Thanks a lot Sunil." - Vinayak "Sunil Heda is thorough, knowledgeable and trustworthy. We appreciate his depth of knowledge, skill and no pressure style. We would recommend him highly." - Beverly "Sunil is thorough professional and explained to us well with various insurance options. He had been very patient with our queries and helped us to navigate through various choices and in the end we felt that we made a good choice. I recommend him as a trusted insurance advisor." - Ram "I would like to say that I have been very happy with the service I have received and the professionalism that I have encountered when dealing with Sunil Heda over the years. Sunil has made a real difference in our lives by providing advice to better understand our needs in retirement. We now have a great management plan to have a secure financial future in retirement. Thank you, Sunil. I couldn't have had a better financial advisor. You have always been happy, thoughtful and a great mentor." - Raj "I met Sunil at community event and our conversation steered towards financial solutions. His erudite knowledge on a multitude of financial services attracted us to go for an initial discussion with him. We had a financial advisor, but we found Sunil understood our short-term goals and long-term objectives with a much greater clarity along with a strong willingness to help us achieve all of them. In all subsequent discussions and transactions, Sunil always guided us as his family member, and we were always a top priority for him. We slowly and steadily moved our investment portfolio of RRSPs, TFSAs, RESPs, Insurance and Non registered investments to Sunil. The slow and steady approach was determined as we got to see how well he was managing our investments and how impressively the portfolio was managed to optimize maximum returns even in adverse times, all with a very low fee. All guidance and advise received from Sunil, his management of our investment portfolio, his client- first attitude and an undying will to help his clients achieve their financial objectives is noteworthy. We, after a 3+ years’ experience on transacting and working with Sunil would strongly recommend him to our friends and families.Thanks for the awesome journey Sunil ‘Bhaiya’ and we hope to go miles ahead with this relationship.Please accept our sincere thanks (Bhaiya is a Hindi word for Brother, to signify our immense respect for him)." - Rahul "Sunil has recently completed my Retirement Financial Plan. During all the personalized workshops he conducted with me and my wife, he was diligent, through, and professional in his approach. The final deliverable was a document validated and signed by a Certified Financial Planner, with multiple alternatives, projected life events and detailed year by year cash flows. I will be using the recommended alternative to work out my retired life. It gives me the confidence that I will be able to survive at my current lifestyle, in this age of uncertainties, high taxes, ever-increasing inflation and ever-decreasing government benefits to retired people. I would recommend any prospective retiree, who has not already done so to get in touch with Sunil and work out their retirement." - Jyoti "My wife and I have known Sunil for the last 10 years and have been impressed with his patience, professionalism and knowledge. As our circumstances change, he has advised us on how to tweak our planning to make the best. Now both our daughters have started their retirement planning with Sunil and we feel confident that his advice will serve all of us well. We highly recommend Sunil for anyone who is looking for a good financial advisor." - Manjunath "I came to know Sunil through my association with Konkani association. The first thing that came across through that meeting was being sincere and presenting an approach to investments to suit your needs. Over the later period though many dealing with Sunil and that initial impression of being down to earth sincere approach to meeting client’s needs has crystallized. Another thing I like about Sunil is he is ready to engage in discussions for mutual benefit. Sunil comes across as someone who does his homework in depth for client’s investment needs." - Madhav Load More Insightful Videos Play Video Play Video 02:40 Financial resolution: outliving one’s savings Clément Gignac, Senior Vice-President and Chief Economist, discusses longevity risk. Play Video Play Video 02:42 Conditions hypothécaires diversifiées Play Video Play Video 02:30 The Rule of 72 Learn how to use the Rule of 72 to determine how long it will take your money to double in any interest-bearing account. Knowledge is power! Play Video Play Video 02:55 Need to Invest Early Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today! Play Video Play Video 02:49 See how Life Insurance helped Henry and Stacey Wondering why to purchase life insurance? Find out how life insurance helped Henry and Stacey. https://www.bmo.com/insurance/life-insurance# For more information about BMO Insurance or our products, please consult your insurance advisor or contact us at 1-877-742-5244. Play Video Play Video 01:12 Retirement Planning with GIF 100/100 Play Video Play Video 02:13 Financial resolution: the value of an advisor Clément Gignac, Senior Vice-President and Chief Economist, shares with you the importance of working with an advisor. Play Video Play Video 02:27 What is diversification? Learn, in easy-to-understand terms, what diversification is and why it is important in your investment strategy.

Heda Investments offers Proactive, Professional, Wealth Management Services. This includes Portfolio Management Services, Insurance Management and Retirement Planning Services. Your Vision and Goals. Our Personalized, Professional Wealth Management Services. Begin your Wealth conversation now! Welcome to Heda Investments Services Insights Who are you? About Us Investment Advisor & Associate Portfolio Manager, Manulife Wealth Inc. Life Insurance Advisor, Manulife Wealth Insurance Services Inc. Meet Sunil Heda CPA (US), CIM® A seasoned finance professional with over 25 years' experience in global institutions, including CIBC and presently at Manulife Wealth. Sunil holds the Certified Public Accountant - CPA (US) and Chartered Investment Management - CIM® designations and manages his Investment and Wealth Management practice in Ontario and British Columbia. Sunil is also licensed Life Insurance Advisor in Ontario and British Columbia. Comprehensive Skill Set: Professional training and proficiency in Portfolio Management and Insurance Management, having received training in he Canadian Securities and Insurance industry ;also prior experience in Accounting, Finance, Information Technology and Risk management. Proactive & Personalized Service: Committed to a proactive, professional approach, providing comprehensive Investment and Wealth Management services to Business Owners, Professionals, and Individuals. Our Team Contact Us Testimonials What We Do ? INVESTMENT MANAGEMENT BANKING SERVICES RISK & INSURANCE MANAGEMENT RETIREMENT PLANNING, TAX AND ESTATE PLANNING Our Brochure Testimonials " Sunil has done a great job managing my portfolio. We were new to Canada and he helpd us navigate the multiple investment options here. He is responsive with timely communications and brings forward solutions with long-term thinking. " Saurabh All Testimonials Our Niche We enable access to all Investment avenues on the market and are not bound by proprietary products We offer comprehensive Wealth Management services through entire journey - through accumulation, growing, protecting and transferring wealth working closely with accountants and tax lawyers for tax, retirement and estate planning We offer Discretionary Portfolio Management Services , providing you with a range of inherent benefits. $1.3 Trillion Manulife has over $1.3 trillion (US$1.0 trillion) in assets under management and administration as of Dec 31, 2022 #1 Manulife is not only Canada’s largest insurance company in terms of total assets, it also ranks among the world’s top 10 in the category Since 1887 Manulife serves one in four Canadians as of Dec 31, 2022 Events Upcoming Events Webinar - Tax planning strategies for your savings - Monday, March 23, 2026 Mon, Mar 23 Webinar More info Learn more Webinar - Internet scams—protect yourself and your money - Thursday, March 26, 2026 Thu, Mar 26 Webinar More info Learn more Webinar - Taxes and your retirement income - Friday, March 27, 2026 Fri, Mar 27 Webinar More info Learn more Webinar - Taxes and your retirement income - Friday, March 27, 2026 Fri, Mar 27 Webinar More info Learn more Webinar - Four common investing mistakes and how to avoid them - Tuesday, March 31, 2026 Tue, Mar 31 Webinar More info Learn more Webinar - Getting started with investing - Thursday, April 2, 2026 Thu, Apr 02 Webinar More info Learn more Load More Sunil's Blogs Webinar - Tax planning strategies for your savings - Wednesday, April 15, 2026 Do you want to know more about how your savings can help you save money on taxes? Join this webinar to learn practical tax planning tips and strategies. We go over how to avoid tax penalties, maximize deductions, and make the most of your savings. An Active Manager’s Lens Into Private Investment Grade Credit The rise of private markets has brought new attention to private investment grade (IG) credit, which can offer investors a premium over public IG for giving borrowers customized terms – though that premium comes with certain risks. Income Strategy Update: Seeking Stability With High Quality Fixed Income Uncertainty remains high, but so are bond yields, leading to attractive opportunities for active investors, Amid continuing volatility in our global economic outlook, we seek to invest in high quality fixed income More Blog Sunil Heda, CPA (US), CIM® Investment Advisor and Associate Portfolio Manager, Book a no obligation consultation with an experienced Investment Portfolio Manager Book Meeting Get Life Insurance, Critical Illness, Disability Insurance Quote Insurance Quote Buy Travel Insurance Purchase Travel Insurance (including for Supervisa) for Visitor or Travelling Canadians Book a no obligation call- back with an experienced Investment Portfolio Manager Book a Call Back

Retirement Planning & Estate Strategies includes Retirement Income Goal Setting, Projection and Analysis, Pension Analysis, Severance Pay, Beneficiary Audit, Legacy Planning, Inheritance, Intergenerated Transfers, Estate Bon, Gifting to Children, Trusts and Charitable Donations. Retirment Planning & Estate Strategies What we provide Retirement Income Goal Setting, Projection and Analysis Pension Analysis, CPP and OAS Analysis Severance Pay - Analysis & Investment of Lumpsum payment Beneficiary Audit Legacy Planning Inheritance Intergenerational transfers Estate Bond Gifting to Children Trusts Charitable donation * Some Estate Planning strategies may require the involvement of a Legal professional Complimentary Retirement Planning Workshop Tax Minimization Strategies* Tax efficiency of investments Tax Deferral , Tax Conversion Tax Gain / Loss Harvesting Tax efficient transfer assets through your Estate Income splitting Inter-Generational transfer *Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant. Retirement Planning Pyramid It’s important to plan for your financial future. If you’re not sure how to plan ahead, take a look at the Retirement Planning Pyramid. This widely accepted and simple tool can help you create a retirement plan that is built on a solid foundation. The pyramid illustrates which financial matters you should address first: debt reduction, insurance needs, a properly drawn will and an emergency fund. As you move up the pyramid (by reducing debt and acquiring assets), your income protection needs are replaced by your need to accumulate more wealth. Ask us to help you plan ahead using the Retirement Planning Pyramid. Corporate In-Kind Donating As more and more corporations invest their retained earnings directly in various vehicles like mutual funds or publicly traded securities, the value of their portfolio tends to grow. And as business owners build their corporation's portfolio, they may also want to 'give back' while taking advantage of the tax benefits of donating investment funds to charity. However, what many business owners may not know is that where corporate investments have increased in value, a corporate donation in-kind results in a more favorable tax consequence than selling the investment and donating the cash. Learn More > Contact Us > Insightful Videos Play Video Play Video 16:00 Estate Planning: The Four Documents You Need | Money Unscripted | Fidelity Investments Estate planning is a process that’s full of emotions. And full of questions. Where do you start? Who should be part of the conversation? And what are the key documents you need? On this episode of Money Unscripted, host Ally Donnelly and Fidelity’s Pamela Pirone-Benson break down everything from writing a will and setting up a trust to choosing your power of attorney and navigating estate taxes. Watch now. 00:00 Welcome to Money Unscripted 00:55 Why you should have an estate plan 01:24 What is an estate plan? 02:01 Getting organized 03:11 The core four estate planning documents 03:40 What is a power of attorney? 04:03 Having a health care proxy 04:31 What is a living will? 05:07 Do I need an attorney to draft my documents? 05:43 Elements of a last will and testament 07:28 What is probate? 07:49 Wills vs. trusts 09:22 What to know about estate taxes 10:26 How strategic gifting can impact estate taxes 11:10 When to revisit your estate plan 11:58 How to start estate planning conversations 14:52 Estate planning: A recap Questions? Drop them below 👇 and we’ll reply right in the comments. 5 steps to create an estate plan: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-made-easy 10 estate plan pitfalls to avoid: https://www.fidelity.com/viewpoints/wealth-management/estate-planning-common-pitfalls View all episodes here: https://www.fidelity.com/learning-center/money-unscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! • To see more videos, subscribe on YouTube: https://www.youtube.com/fidelityinvestments • Follow Fidelity on Reddit: https://www.reddit.com/r/fidelityinvestments/ • Follow Fidelity on Instagram: https://www.instagram.com/fidelityinvestments • Follow Fidelity on TikTok: https://www.tiktok.com/@fidelityinvestments • Follow Fidelity on Facebook: https://www.facebook.com/fidelityinvestments/ • Follow Fidelity on LinkedIn: https://www.linkedin.com/company/fidelity-investments/ • Follow Fidelity on Discord: https://discord.gg/FidelityInvestments • Ask Fidelity on X: https://www.twitter.com/Fidelity © 2025 FMR LLC. All rights reserved. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 1195862.2.0 Play Video Play Video 22:39 Bend, Not Break: Investing in Real Estate Amid Economic Uncertainty In this episode of PIMCO Pod, we explore why today’s uncertain environment means real estate investors may want to prioritize durable income—andstrategies that can perform even when markets are flat or faltering. The discussion and content provided within this podcast is intended for informational purposes only and may not be appropriate for all investors. Reliance upon information provided in a podcast is at the sole responsibility of the listener. The information included herein is not based on any particularized financial situation, or need, and is not intended to be, and should not be construed as, a forecast, research, investment advice or a recommendation for any specific PIMCO or other security, strategy, product or service. Past performance is not a guarantee of future results. All investments contain risk and may lose value. Investors should speak to their financial advisors regarding the investment mix that may be right for them based on their financial situation and investment objective. Podcasts may involve discussions with non-PIMCO personnel and such content contain the current opinions of the speaker but not necessarily those of PIMCO. Other podcasts may consist of audio recording of an existing PIMCO article and such material contains the current opinions of the manager. The opinions expressed in all podcasts are subject to change without notice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. This is not an offer to any person in any jurisdiction where unlawful or unauthorized. For additional important information go to www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures Play Video Play Video 01:10 The future of liability-driven investing Learn what the next phase in liability-driven investing (LDI) looks like, and see what trends are driving the evolution. CORP-12712 date of first use: feb 2025 Play Video Play Video 03:26 Can China's Real Estate Market Get Back on Track? | with John Kratochwil AGF Investments Inc. senior analyst John Kratochwil explains how recent government measures in China could spur interest in the country's real estate sector. Play Video Play Video 02:21 Are powers of attorney part of your estate plan? The Wealthy Barber wants to know Who will care for you if you can’t? David Chilton explains why it’s important to have powers of attorney, especially at his age. Learn more at https://rbc.com/royaltrust Do you have a plan for who will look after you should you become incapacitated? In this video, David Chilton, the Wealthy Barber, explains why it’s “absolutely vital” to have powers of attorney as part of your estate plan. “When you get to be my age—in your 60s—you’re constantly seeing friends who are incapacitated due to a heart attack, a stroke, an accident … They don’t have a power of attorney in place … [it’s a] huge inconvenience and hassle factor dealing with the courts,” he says. Watch the video to learn more about what you should look for in the person you appoint as a power of attorney. Play Video Play Video 01:46 When should you start saving for retirement? You don’t need a lot of money to begin saving for retirement. It’s not always possible to invest large amounts to save for retirement, but it’s also not necessary. Play Video Play Video 01:41 Signing up for Manulife Vitality for Group Benefits How to sign up and get the Manulife Vitality app. The Manufacturers Life Insurance Company (Manulife) The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. PO Box 2580, STN B Montreal QC H3B 5C6. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Play Video Play Video 02:24 Retirement Planning - My Money Tools Video. Do you want to find out if the money you are saving today supports your retirement goals? If you are not sure, it's time to learn why it is important to use the Retirement Planner calculator and the Asset Allocation tool.

Do you want to know more about how your savings can help you save money on taxes? Join this webinar to learn practical tax planning tips and strategies. We go over how to avoid tax penalties, maximize deductions, and make the most of your savings. Register Now: Wednesday, April 15, 2026 7:00 P.M., ET

The rise of private markets has brought new attention to private investment grade (IG) credit, which can offer investors a premium over public IG for giving borrowers customized terms – though that premium comes with certain risks.

Uncertainty remains high, but so are bond yields, leading to attractive opportunities for active investors, Amid continuing volatility in our global economic outlook, we seek to invest in high quality fixed income

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.