Blueprint of YOUR Financial
As a small business owner, how do i plan for my own and my employees' needs?
Your Financial Security
How will leave my residual estate to the people i love with a minimum of taxation?
Life Insurance
Will i know when i will need life insurance the most?
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Every client is unique
and every plan has to be unique

At Progressive Financial Strategy our philosophy is that each client requires a financial portfolio to match their varied risk appetite and it takes an expert understanding of the financial markets to design a portfolio that achieves the clients’ desired goals.

Ask the team how, sent us a message

A Relationship That Goes Beyond Banking

How do I maximize the value of my business when I leave?

As a small business owner, how do I plan for my own and my employees’ needs?

What are the tax consequences of the succession plan?

How can I most effectively transition my business?

I need retirement income from my business.

How will I divide company shares and leadership responsibilities between my children?

I want to retain control over my business for some period after retirement.

What happens to the business if one partner is incapacitated?

What is a buy-sell agreement between business partners?

What if my partner gets a divorce and the settlement calls for the spouse to receive a portion of our joint business assets?

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Aligning All Your Financial Matters

Retirement Planning

How will I build a retirement income that I and my spouse can't outlive?
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Educational Planning

What are my options for funding for my kids post secondary education?
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Estate Planning

How do I preserve what I have worked so hard for?
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Helping you in every little helps

Tax Strategies

A little planning ahead can go a long way to keeping your taxes as low as possible. In order to plan ahead properly, you'll need to understand how your income will be taxed.
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Dharna SPA

Wealth Management

Investing and making financial decisions in today’s sophisticated market requires time, patience and expertise. At Progressive Financial Strategy.
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Testimonials

“Since we moved our entire portfolio with Harpal, we received excellent service and sound advice on what and how we should invest. Our portfolio is regularly reviewed to improve our return. Other advisors we had dealt with before never spent any time with us. Also, our previous accountant just took our T4s and other tax slips and filed our returns. Harpal always advises us on what we should be doing to reduce our taxes..a service we never received before. His service is really excellent”
Nirmal and KamaljitCEO
“Getting my old accounting firm to return my calls was a pain. At Dharna CPA, they treat me like a somebody and are available to talk or meet whenever I need them. Now, that’s service!”
G. S.,
“After switching to Dharna CPA from my regular accountant, they made a few changes that significantly reduced my taxes and helped me get money back from CRA. If only I had found them sooner!”
C. B.,
"Harpal Dharna and his associates have been my financial advisors for over 3 years, and thanks to Harpal's advice, my net worth has doubled in that time. Harpal is always available to discuss my financial situation and is patient and takes the time I need to explain financial matters, sometimes more than once! As my life situation changes, Harpal makes suggestions as to my investments and I very pleased with the results. I frequently recommend his services to my friends and family. Thank you, Harpal”
Reverend. PUnity Church
“I had been dealing with my accountant, who was also my close friend, for so many years. Every year I paid huge amounts in taxes and nothing was recommended. After bringing Harpal on board, he analyzed the entire setup and recommended a number of changes. As a result, not only my taxes were reduced significantly, he also helped me get money back from CRA. I now trust Harpal implicitly and follow what he says. I have been recommending him to other colleagues and business owners without hesitation.”
Curtis. BPresident, Strategic Concepts Group
“I have been dealing with Harpal and his company for many years. I have developed very strong trust levels in his ability in income tax strategy (both personal and business) as well as Wealth management such that I follow his recommendations without question. The service levels from his office are just excellent and he is available to talk or meet whenever I need him.”
Garry. SPresident GSI (Constructions) management Inc
“I am very pleased with the investment programs that Harpal has put together for me. Not only the investments are performing well, they are exceeding my expectations. My cash flow is positive and I am very happy. Also, services that I receive are very good and I am truly satisfied.”
Gail. LCEO
“I had my investment with this other firm for so long and it did nothing – they just sat there. Since I moved my investments to Harpal, my investments have performed beyond my expectations. I feel very good. Harpal is available whenever I need him. He is down to earth person and tells things the way they are. He does not try to camouflage or hide matter. He tries to help his clients”
Carl. CSite supervisor

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