Vancouver, British Columbia
Most financial advisors sell products. We build relationships. Subrat Panda and the VFS team have helped 500+ Canadian families navigate real financial decisions — from paying off debt to retiring early.
$25M+
Assets under management
About VFS
We started VFS because the financial advice industry felt broken — built around commissions, products, and templates that fit no one's real life. Our approach is different. We spend more time listening than selling.
Whether you're dealing with debt, building your first investment portfolio, or planning retirement 20 years out, the process starts the same way: an honest conversation.
"Most people don't need more products. They need someone who can look at their whole picture and say — here's what actually makes sense for you."
— Subrat Panda, Founder
What We Do
Six core areas. One team that knows your whole story.
Term life, whole life, critical illness, and disability. We help you figure out exactly what coverage you need — and skip what you don't. No commissioned push.
TFSA, RRSP, RESP, and non-registered accounts. A portfolio built around your actual goals and risk comfort — not a model portfolio we're paid to recommend.
$68,000 paid off in 26 months. That's what one client's plan looked like. We build debt payoff strategies that work with your life — not against it.
Your mortgage is probably your biggest debt — and your biggest asset building tool if structured right. We help you make it work for you.
Free workshops, our blog, and one-on-one coaching. The more you understand your money, the better decisions you make — full stop.
CPP, OAS, GIS optimization. A real retirement roadmap — not a generic plan that assumes you'll retire at 65. Many of our clients retire 2-4 years earlier than they planned.
500+
Families Served
$25M+
Assets Managed
98%
Client Retention
12+
Years Experience
How It Works
We listen. No pitch. You tell us where you are, where you want to be. If we're a good fit, we'll say so. If not, we'll point you somewhere better.
We review everything — income, debt, insurance, assets, goals. Every number. No assumptions.
A real roadmap built for your life. Specific actions. Realistic timelines. Things you can actually follow.
Quarterly reviews. Adjustments when life changes. One call away whenever you need us. That's the relationship.
Real Outcomes
"We paid off $68,000 in consumer debt in 26 months. We didn't change our lifestyle — we just changed our strategy. VFS showed us where the money was actually going."
"I thought I'd be working until 67. VFS helped me retire at 62 with pension, CPP optimization, and a $60K/year passive income portfolio. Still feels surreal."
"Net worth up $240,000 in four years. I understand my money now — every dollar has a job. VFS gave me that clarity."
From the Journal
Most debt payoff advice assumes you're willing to live like a hermit. We're not. Here's a more realistic approach.
The math is simple. The psychology is hard. Here's why disciplined investors come out ahead.
Albert Einstein called it the eighth wonder of the world. Here's how to actually use it.
The Team
VFS isn't a call centre. We're a small, dedicated team that knows our clients by name. Subrat leads with 12+ years of financial planning experience, supported by specialists in insurance, investments, and tax strategy.
Founder & Lead Advisor, CFP®
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Get Started
Free 30-minute consultation. No obligation. No sales pitch. Just an honest conversation about your financial picture and whether we can help.
Location
250 Centre St, Richmond Hill, Vancouver, BC
hello@vancouverfinancialsolutions.ca
Phone
(604) 694-0900
Hours
Monday – Friday, 9am – 6pm PT