Vancouver, British Columbia

Wealth advisory
for those who
expect more.

Subrat Panda and VFS work with Canadians who want more than a savings account. We build comprehensive financial strategies — for those who take their financial future seriously.

Book Your Consultation Our Services

500+ Families advised

$25M+ Assets managed

12yrs Of expertise

98% Client retention

The VFS Difference

Built around
your life,
not a product catalogue.

Most financial advisors have one tool and sell one solution. We have six core service areas — and we use whichever ones actually fit your situation. Insurance when you need it. Investments when the time is right. Debt strategy before investment. Never the other way around.

The result is a financial plan that actually makes sense for your life — not a template that kind of almost fits.

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Subrat Panda

Founder, CFP® · RRC™

What We Offer

Comprehensive advisory.
Exceptional care.

🛡

Insurance Planning

Term life, whole life, critical illness, and disability coverage. We help you understand exactly what protection you need — and skip what you don't. No commissions, no pushy pitches.

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📈

Investment Advisory

TFSA, RRSP, RESP, and non-registered accounts. A diversified portfolio built around your actual goals, timeline, and risk tolerance — not a model portfolio we're paid to sell.

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💰

Debt Management

$68,000 eliminated in 26 months. That's what a proper debt strategy can do. We build realistic plans that work with your life — not a punishing austerity budget.

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🏠

Mortgage Strategy

Your mortgage is your biggest debt and your biggest leverage tool. We help you structure it to build wealth, not just service interest payments forever.

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📚

Financial Literacy

Free workshops, our blog, and one-on-one coaching. The better you understand your money, the better decisions you make — and the less you need us over time.

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🤝

Retirement Planning

CPP, OAS, GIS, pension strategies. Many of our clients retire 2-4 years earlier than they thought possible. We build the roadmap — you decide when to take the exit.

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The Process

How we work with you

Free Consultation

30 minutes. No pitch. You tell us where you are, where you want to be. If we're the right fit, we'll say so.

—

Full Analysis

We review your complete financial picture — every asset, liability, goal, and concern. Every number, no assumptions.

—

Your Plan

A real roadmap built for your life. Specific actions. Realistic timelines. Things you can actually follow.

—

Ongoing Partnership

Quarterly reviews, real-time adjustments when life changes. One call away whenever you need us.

Success Stories

Real outcomes.
Real people.

"We paid off $68,000 in consumer debt in 26 months without cutting our lifestyle. VFS showed us where the money was actually going — once we saw it, paying it off was almost easy."

Raj & Kiran S.

Surrey, BC — Debt Freedom, 2024

"I was convinced I'd be working until 67. VFS helped me retire at 62 with a pension, optimized CPP, and a $60,000/year passive income portfolio. Still feels surreal every month."

Michael J.

Vancouver, BC — Retirement, 2023

"Net worth up $240,000 in four years. I finally understand where every dollar goes — and where it's going. VFS gave me that clarity. Worth every penny."

Aisha P.

Burnaby, BC — Wealth Building, 2024

Client Testimonials

What our clients actually say

★★★★★

"Subrat and his team didn't just give us a plan — they gave us peace of mind. We finally feel like our future is actually secure."

Priya M., Vancouver

★★★★★

"The debt payoff strategy was a total game-changer. $90,000 in consumer debt gone in 30 months. Didn't sacrifice our lifestyle at all."

Jason & Sarah T., Richmond

★★★★★

"Six years with VFS. Portfolio has grown consistently even through market downturns. The consistency is what I value most."

David L., North Vancouver

Get in Touch

Take control of
your financial future.

Your first consultation is always complimentary. No obligation. No sales pressure. Just an honest conversation about where you are and where you want to be.

Location

250 Centre St, Richmond Hill, Vancouver, BC

hello@vancouverfinancialsolutions.ca

Phone

(604) 694-0900

Hours

Monday – Friday, 9am – 6pm PT

Wealth advisory
for those who
expect more.

Built around
your life,
not a product catalogue.

Subrat Panda

Comprehensive advisory.
Exceptional care.

Insurance Planning

Investment Advisory

Debt Management

Mortgage Strategy

Financial Literacy

Retirement Planning

How we work with you

Free Consultation

Full Analysis

Your Plan

Ongoing Partnership

Real outcomes.
Real people.

Reading for serious builders.

The 5-Step Plan to Become Debt-Free Without Sacrificing Your Lifestyle

Dollar-Cost Averaging — Why Disciplined Beats Clever

The Rule of 72 — Why Compound Interest Is the 8th Wonder

10 Money Mistakes Keeping People From Building Wealth

What our clients actually say

Have a quick question?
Ask our AI Advisor.

Take control of
your financial future.

Request Your Free Consultation

Wealth advisoryfor those whoexpect more.

Built aroundyour life,not a product catalogue.

Subrat Panda

Comprehensive advisory.Exceptional care.

Insurance Planning

Investment Advisory

Debt Management

Mortgage Strategy

Financial Literacy

Retirement Planning

How we work with you

Free Consultation

Full Analysis

Your Plan

Ongoing Partnership

Real outcomes.Real people.

Reading for serious builders.

The 5-Step Plan to Become Debt-Free Without Sacrificing Your Lifestyle

Dollar-Cost Averaging — Why Disciplined Beats Clever

The Rule of 72 — Why Compound Interest Is the 8th Wonder

10 Money Mistakes Keeping People From Building Wealth

What our clients actually say

Have a quick question?Ask our AI Advisor.

Take control ofyour financial future.

Request Your Free Consultation

Wealth advisory
for those who
expect more.

Built around
your life,
not a product catalogue.

Comprehensive advisory.
Exceptional care.

Real outcomes.
Real people.

Have a quick question?
Ask our AI Advisor.

Take control of
your financial future.