Established Family
Families with older children need a wise cash flow management plan.
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Protecting Your Family
No financial strategy is complete without a plan to protect loved ones from financial loss.
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Your Investments
Wise asset allocation and careful investment selection are key to a well-balanced portfolio.
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Your Legacy
A detailed estate plan creates a legacy that can benefit your heirs in many ways.
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Your Retirement
Retirement comes with many possibilities. We help you make the most of every opportunity.
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Young Family
A wise financial strategy keeps a family on track during all the "growing-up" years.
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Starting Out
A good financial strategy is a great foundation for a solid relationship.
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Your Child's Education
Few things in life are more rewarding than helping the next generation get a great education.
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Single
When life situations change a good financial strategy can help to lower the stress.
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Income Tax Planning
Minimizing taxes through carefully planning is a powerful financial strategy.
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Running a Business
Running a successful business can be one of life's most rewarding experiences.
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Chart Your Course to Financial Success

You’ve worked hard for your money, so controlling your risks is important. We know that your financial goals and dreams are very personal, so we are here to help you achieve the future you dream of.
We carefully consider your needs, goals and dreams in order to implement a well-constructed financial solution, so that you can have peace of mind about your financial future. At Garat Financial Group, we prepare you for the turns that life takes, and believe in being proactive, not reactive.
Garat Financial Advisors work with you to develop your personal strategy to help you achieve financial success.
  • Lay out and simplify all your financial commitments
  • Develop strategies to address financial concerns
  • Protect you during unforeseen life events
  • Deliver tax-efficient strategies across all aspects that improve your financial fitness
  • Review. Revise.
Your life changes. So should your plan.
Please contact us with your financial questions and concerns.
We put the pieces together to build your vision for the future:
  • Cash Flow Management
  • Life insurance
  • Debt management
  • Income Replacement
  • Disability Insurance
  • Critical illness Insurance
  • Retirement savings
  • Tax efficient investments

Serving Vancouver Island since 1997

Latest Articles

Meeting a new financial advisor for the first time can feel a bit daunting. What should you say? How much should you share? And perhaps most importantly, what should you expect from the …

Habits That Build Wealth

What’s the secret to building and maintaining wealth? For the rich, it’s not just about earning a high income—it’s about the habits they cultivate. These strategies don’t just help them grow their wealth; …

Let’s face it—your death will create challenges for your loved ones. These challenges will fall into three main categories: emotional, legal, and financial. The good news? You have the power to minimize these …

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Insurance Companies
At Garat Financial, we can provide you with coverage to suit your specific needs.
Listed below are some of the insurance companies we represent: