We believe every Canadian family deserves a clear path to financial freedom. With personalized planning and licensed expertise, we help you protect what matters most.
Personalized insurance and investment strategies tailored to your unique situation
7+ years of combined team experience in Canadian financial planning and insurance
Holistic approach covering tax efficiency, retirement gap and legacy building
Serving families across Kitchener, Waterloo, Cambridge, Guelph, Toronto, Mississauga, Brampton, Hamilton, Burlington and all of Ontario
From insurance protection to investment growth — we cover every aspect of your financial life.
Insurance Services
Life Insurance
Disability Insurance
Critical Illness Insurance
Health, Dental & Drug Insurance
Super Visa & Visitor Visa Insurance
Funeral Insurance
Investment Services
RESP — Education Savings
RRSP — Retirement Savings
TFSA — Tax-Free Savings
Mutual Funds & GIC
Pension Plans
Reference Based Services
Mortgages
Collateral Loans
Auto & Home Insurance
Commercial Insurance
Additional Services
Estate Planning
Wills
Tax Strategies
Corporate Financial Planning
How It Works
Get Your Score in 3 Simple Steps
1
Answer 14 Questions
Tap your answers — no typing needed. Takes 90 seconds.
2
Get Your Score Instantly
See your score out of 100 across 3 key financial areas.
3
Book a Free Call
Get a personalized plan from Neelesh based on your score.
Financial Readiness Score
How Financially Ready Are You?
Answer 14 quick questions and get your personalized Financial Readiness Score instantly. Private, secure, takes 90 seconds.
What Clients Say
Trusted by 50+ Canadian Families
★★★★★
"Neelesh helped us realize we were leaving thousands on the table with our RRSPs. Within one meeting he had a plan that saved us $8,000 in taxes last year alone."
Priya S.
Kitchener, Ontario
★★★★★
"I never thought about disability insurance until Surekha walked me through the numbers. Now I feel genuinely protected. The Financial Readiness Score was eye-opening."
Marcus T.
Waterloo, Ontario
★★★★★
"We came in thinking we were set for retirement. Turns out we had a significant gap. Neelesh built us a clear 10-year plan and we sleep better at night because of it."
Jennifer & Rob K.
Cambridge, Ontario
★★★★★
"As a newcomer to Canada I had no idea how RRSP or TFSA worked. The team at FinanceWithNeelesh explained everything simply and set us up perfectly from day one."
Amir H.
Kitchener, Ontario
★★★★★
"Getting my Financial Readiness Score was the push I needed. I scored 52 and six months later after following their plan I am at 74. Incredible difference in confidence."
Sarah M.
Mississauga, Ontario
★★★★★
"They helped us set up life insurance and a will after our second child was born. Now our family is fully protected and it is a huge relief."
David & Anita P.
Waterloo, Ontario
Book a Meeting
Let Us Build Your Financial Plan
A free 30-minute consultation with Neelesh or Surekha. No obligation. No jargon. Just a clear picture of where you stand and how to move forward.
Review your Financial Readiness Score together
Identify your top 3 financial priorities
Walk away with a clear action plan
Book a Free 30-Minute Call
Choose a time that works for you. Available weekdays and weekends.
Last updated: March 19, 2026 | Effective date: March 19, 2026
FinanceWithNeelesh is committed to protecting your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy laws.
1. Who We Are
FinanceWithNeelesh is a licensed insurance and investment advisory practice operating in Ontario, Canada. We are represented by:
We collect information you voluntarily provide through our website including:
Identity information: Full name
Contact information: Email address
Financial profile information: Age range, household income range, savings, investments, debt comfort, insurance coverage, retirement timeline and estate planning status — collected through our Financial Readiness Score quiz
Communication data: Messages sent through our contact form
Technical data: Browser type, IP address, pages visited (via analytics if enabled)
⚠️ We do not collect Social Insurance Numbers, banking credentials, credit card numbers or any government-issued identification through this website.
3. Why We Collect Your Information
We collect and use your personal information for the following purposes:
To calculate and deliver your personalized Financial Readiness Score
To send your score report and personalized financial insights to your email
To follow up with you regarding financial planning consultation opportunities
To respond to inquiries submitted through our contact form
To schedule and manage consultation appointments
To improve our services and website experience
To comply with legal and regulatory obligations applicable to licensed financial advisors in Ontario
4. Legal Basis for Processing
Under PIPEDA, we process your personal information based on your express or implied consent. By completing our Financial Readiness Score quiz or submitting our contact form, you consent to us collecting and using your information as described in this policy. You may withdraw consent at any time by contacting us.
5. How We Store Your Information
Your information is stored securely using industry-standard encryption. We use the following platforms to store and process your data:
Google Workspace — for email communications (servers may be located in the United States)
Google Sheets — for storing quiz responses and lead information
Cloudflare — for website hosting and security
📌 Some data may be stored on servers outside Canada. We ensure any third-party providers maintain comparable privacy protections consistent with PIPEDA.
6. Who We Share Your Information With
We do not sell, rent or trade your personal information. We may share your information only in the following limited circumstances:
Within our team: Between Neelesh Kumar G. and Surekha Ramani M. for the purpose of serving you
Service providers: Third-party tools (Google, Cloudflare) used to operate our website and communications — bound by their own privacy policies
Legal requirements: If required by law, court order or regulatory authority in Ontario or Canada
With your consent: Any other sharing will only occur with your explicit consent
7. How Long We Keep Your Information
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected or as required by applicable law. Generally:
Quiz responses and contact form submissions: 2 years from date of collection
Client consultation records: 7 years as required by Ontario financial advisory regulations
You may request deletion of your data at any time (subject to legal retention requirements)
8. Cookies & Tracking
Our website may use the following:
Essential cookies: Required for the website to function properly
Analytics cookies: To understand how visitors use our website (Google Analytics, if enabled)
No advertising or tracking cookies are used
You can control cookie settings through your browser preferences at any time.
9. Your Rights Under PIPEDA
As a Canadian resident, you have the right to:
Access the personal information we hold about you
Correct inaccurate or incomplete information
Withdraw consent to our use of your information at any time
Request deletion of your personal information (subject to legal retention requirements)
File a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca
To exercise any of these rights, please contact us at neelesh@wealthready.ca. We will respond within 30 days.
10. Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration or destruction. These include SSL/TLS encryption, secure password policies and access controls limited to authorized personnel only.
11. Children's Privacy
Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from individuals under 18. If you believe a minor has submitted information through our website, please contact us immediately.
12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on this page with a new effective date. We encourage you to review this policy periodically.
13. Contact Our Privacy Officer
For any privacy-related questions, concerns or requests, please contact: