Disha Soni - Independent Financial Security Advisor

10/20/2025

The true wealth we seek is 𝗽𝗲𝗮𝗰𝗲 𝗼𝗳 𝗺𝗶𝗻𝗱. This Diwali, while we enjoy the immediate joy, let's remember that our greatest celebration is the feeling of security and stability we've built for the future.

That's why we commit to not just saving, but actively 𝗱𝗲𝘀𝗶𝗴𝗻𝗶𝗻𝗴 a prosperous future.

Wishing you and your family a 𝗛𝗮𝗽𝗽𝘆 𝗗𝗶𝘄𝗮𝗹𝗶! 🪔

10/09/2025

𝟭 𝗶𝗻 𝟯 𝗖𝗮𝗻𝗮𝗱𝗶𝗮𝗻𝘀 𝘀𝗮𝘆 𝘁𝗵𝗲𝘆 𝗱𝗼𝗻'𝘁 𝗸𝗻𝗼𝘄 𝘄𝗵𝗮𝘁 𝘁𝗼 𝗱𝗼 𝘄𝗶𝘁𝗵 𝗶𝗻𝗵𝗲𝗿𝗶𝘁𝗲𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 and many people, who will inherit a substantial portion of this wealth, feel unprepared to make these decisions confidently.

We're co-hosting a live webinar on real estate succession and inheritance for those planning to leave property and those preparing to inherit it.

Topics we'll be discussing:
➡️ Considerations for keeping vs selling property
➡️ Navigating shared ownership
➡️ Turning inherited real estate into opportunity
➡️ Financial considerations of inheriting as well as passing along the property

Join us live on 23rd Oct, 7.00 pm EST.

Real estate succession planning is more than just a legal checklist—it's about preparing for the future and managing the financial and real-world impact of major life events. Whether you are thinking about retirement, a career shift, or simply planning for the unexpected, having a clear strategy i...

10/08/2025

You're a parent and you've started a Registered Education Savings Plan (RESP) for your baby.

That's a great first step! But for many parents, the questions don't stop there:

- What if my child doesn't go to university?
- What if I hit the maximum contribution limit?
- How can I save for non-education goals like a first car or a wedding?

In this special Lunch 'n Learn session, I will go over one of the most frequently asked questions parents have: What other options are available for their children beyond RESPs?

Join us to learn the strategic next steps in securing a comprehensive financial foundation for your child's future, no matter what path they choose.

All sessions are recorded. Registration is required to receive the recording by email.

Registration link:
https://us02web.zoom.us/.../reg.../WN_9-zXc2O7TDWiTqJ5mkTwWg

You're a parent and you've started a Registered Education Savings Plan (RESP) for your baby. That's a great first step! But for many parents, the questions don't stop there: - What if my child doesn't go to university? - What if I hit the maximum contribution limit? - How can I save for non-educatio...

09/25/2025

One of my client - a high-income-earning Director of Marketing.

From the outside, she had “made it.”

Great salary, senior title, full benefits.

But inside — she is restless.

She feels like she is spending more energy building someone else’s company than truly helping clients.

She has a vision for her own startup, focused on the niche she is most passionate about.

The challenge?

- Walking away from that fixed salary felt terrifying.
- The financial side of entrepreneurship felt overwhelming.
- She didn’t know where to even start preparing for the leap.
If this sounds familiar—you’re not alone.

And that’s exactly what I’ll be talking about in tomorrow’s webinar, hosted by YES Employment + Entrepreneurship :

“Power Shift: From Employee to Entrepreneur - How to Financially Prepare for Self-Employment”

Date: Tomorrow, 26th Sept
Time: Noon

I’ll share practical steps and strategies to help you prepare financially so the transition doesn’t feel like a free fall.

Link to register is in the comments below.

05/06/2025

I am having another webinar on 21st May at 6.00pm EST.

This one will be on life insurance FAQs—Everything You’ve Been Wanting to Ask (But Didn’t Know Who to Ask)

Things like:
- I have insurance through work—do I still need personal coverage?
- Do kids really need insurance?
- How do I choose the right policy when there are so many options?

No fluff. No sales pitch —just practical info to help you make informed decisions.

Register here:

You’ve probably heard that you “should” have life insurance—but what kind? How much? And if you already have coverage through work, do you really need more? This webinar isn’t a crash course in definitions. It’s a real conversation about the questions people actually ask—because let’...

04/24/2025

“Should I put money into my RRSP… or not?”

That’s a question I hear all the time.

If you’ve ever:

• Hesitated to join your employer’s RRSP match

• Wondered if RRSP is really better than TFSA

• Worried how it affects your tax bill now and later

If these questions have been sitting in the back of your mind, today's webinar episode of 𝗧𝗵𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗛𝗼𝘂𝗿 – 𝘄𝗶𝘁𝗵 𝗗𝗶𝘀𝗵𝗮 is for you.

I’ll be breaking down:

- The power of RRSPs (and why they’re so hyped)

- How to choose between different types of registered accounts

- The real impact RRSPs have on your future income and government benefits

- Who should and shouldn’t prioritize RRSPs

RRSPs are not one-size-fits-all. And making the wrong choice can cost you more than just a tax refund.

Whether you're a salaried professional or running your own business — this episode will give you the clarity to make smarter money moves.

Join me today – don't leave your RRSP strategy to guesswork!
https://us02web.zoom.us/webinar/register/WN_EFGTNzFPRSSGwod61oz9NQ

04/07/2025

Heard of an Insured Retirement Plan?
It’s a smart strategy that combines protection + retirement growth—but most people don’t even know it exists.

Tomorrow, Behi and I are breaking it down:
🧠 How it works
🎯 Who it’s for
💰 How to know if it fits your financial goals

Not sure if it’s right for you?
👉 Join us and find out.

📅 Tomorrow – Don’t miss it!

04/04/2025

If you have been watching the Stock Market like a hawk today, its time to log off now and enjoy the weekend.

There is nothing you can do about it over the weekend!

P.S. - It is not my favorite show, I have hardly checked it since morning because I believe in my overall plan.

02/06/2025

I recently heard an interview with a fitness coach.

When clients skip workouts or fall off track, her response is simple:

"𝘠𝘰𝘶 𝘴𝘬𝘪𝘱𝘱𝘦𝘥 𝘢 𝘸𝘩𝘰𝘭𝘦 𝘸𝘦𝘦𝘬 𝘢𝘵 𝘵𝘩𝘦 𝘨𝘺𝘮? 𝘖𝘧 𝘤𝘰𝘶𝘳𝘴𝘦 𝘺𝘰𝘶 𝘥𝘪𝘥.

𝘓𝘐𝘍𝘌 𝘐𝘚 𝘉𝘜𝘚𝘠.

𝘕𝘰𝘸, 𝘭𝘦𝘵’𝘴 𝘧𝘪𝘨𝘶𝘳𝘦 𝘰𝘶𝘵 𝘩𝘰𝘸 𝘵𝘰 𝘢𝘥𝘫𝘶𝘴𝘵 𝘺𝘰𝘶𝘳 𝘴𝘤𝘩𝘦𝘥𝘶𝘭𝘦 𝘴𝘰 𝘪𝘵 𝘸𝘰𝘳𝘬𝘴 𝘣𝘦𝘵𝘵𝘦𝘳 𝘧𝘰𝘳 𝘺𝘰𝘶."

It made me think of a similar conversation with a financial advisor:

"𝘠𝘰𝘶 𝘰𝘷𝘦𝘳𝘴𝘱𝘦𝘯𝘵 𝘵𝘩𝘪𝘴 𝘮𝘰𝘯𝘵𝘩 𝘢𝘯𝘥 𝘥𝘪𝘥𝘯'𝘵 𝘴𝘢𝘷𝘦 𝘸𝘩𝘢𝘵 𝘺𝘰𝘶 𝘱𝘭𝘢𝘯𝘯𝘦𝘥? 𝘖𝘧 𝘤𝘰𝘶𝘳𝘴𝘦 𝘺𝘰𝘶 𝘥𝘪𝘥.

𝘚𝘗𝘌𝘕𝘋𝘐𝘕𝘎 𝘐𝘚 𝘌𝘈𝘚𝘠, 𝘈𝘕𝘋 𝘓𝘐𝘍𝘌 𝘛𝘏𝘙𝘖𝘞𝘚 𝘊𝘜𝘙𝘝𝘌𝘉𝘈𝘓𝘓𝘚.

𝘕𝘰𝘸, 𝘭𝘦𝘵’𝘴 𝘴𝘦𝘵 𝘶𝘱 𝘢 𝘴𝘺𝘴𝘵𝘦𝘮 𝘵𝘩𝘢𝘵 𝘸𝘰𝘳𝘬𝘴 𝘦𝘷𝘦𝘯 𝘸𝘩𝘦𝘯 𝘭𝘪𝘧𝘦 𝘨𝘦𝘵𝘴 𝘮𝘦𝘴𝘴𝘺."

No judgment. No guilt. Just learning and moving forward. Because slip-ups aren’t failures—they’re opportunities to make things better.

01/28/2025

Are you tired of nodding along & pretending to understand complex financial jargon while secretly feeling lost?

Imagine starting each day with a new financial term that actually makes sense. No more awkward moments of uncertainty when someone drops words like "derivatives," "hedging," or "bull market" into conversation.

My first exciting project of 2025 is here, and it's designed to transform financial confusion into crystal-clear comprehension.

Get ready for 𝗙𝗶𝗻𝗪𝗼𝗿𝗱 - the game-changing daily newsletter that's about to demystify the financial world, 𝗢𝗻𝗲 𝘄𝗼𝗿𝗱 𝗮𝘁 𝗮 𝘁𝗶𝗺𝗲!

Whether you're a seasoned professional or just starting your financial journey, FinWord will break down those intimidating terms into bite-sized, easy-to-understand explanations.

👉 How to join? Simple!

Check out the signup link in my bio

OR drop a comment saying "FinWord"

Don't miss out on becoming the most financially articulate person in the room. Knowledge is power, and FinWord is your secret weapon! 💪

01/20/2025

𝟭𝟬 𝘂𝗻𝗶𝗾𝘂𝗲 𝗶𝗻𝗱𝗶𝘃𝗶𝗱𝘂𝗮𝗹𝘀, 𝟭𝟬 𝘃𝗶𝗯𝗿𝗮𝗻𝘁 𝗳𝗿𝗲𝗾𝘂𝗲𝗻𝗰𝗶𝗲𝘀, 𝟭 𝘀𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮𝗻𝘁 𝗷𝗼𝘂𝗿𝗻𝗲𝘆

At the Leadership & Wellness Retreat last weekend, we had ten distinct personalities of different age groups, who brought with them their unique energies and perspectives.

This wasn't just a retreat - it was an experience that burst our comfort zones and threw us into the unknown. It was an experience of blending, adjusting, surrendering, accepting, learning, understanding, patience, and reshaping beliefs, habits, and misconceptions.

𝘗𝘢𝘳𝘵𝘪𝘤𝘪𝘱𝘢𝘵𝘪𝘯𝘨 𝘪𝘯 𝘢 𝘳𝘦𝘵𝘳𝘦𝘢𝘵 𝘸𝘪𝘵𝘩 𝘴𝘵𝘳𝘢𝘯𝘨𝘦𝘳𝘴 𝘵𝘢𝘬𝘦𝘴 𝘤𝘰𝘶𝘳𝘢𝘨𝘦. 𝘐𝘵’𝘴 𝘢 𝘤𝘩𝘢𝘭𝘭𝘦𝘯𝘨𝘦 𝘵𝘰 𝘴𝘵𝘦𝘱 𝘪𝘯𝘵𝘰 𝘵𝘩𝘦 𝘶𝘯𝘬𝘯𝘰𝘸𝘯, 𝘵𝘰 𝘴𝘩𝘢𝘳𝘦 𝘴𝘱𝘢𝘤𝘦 𝘸𝘪𝘵𝘩 𝘱𝘦𝘰𝘱𝘭𝘦 𝘺𝘰𝘶’𝘷𝘦 𝘯𝘦𝘷𝘦𝘳 𝘮𝘦𝘵, 𝘢𝘯𝘥 𝘵𝘰 𝘦𝘮𝘣𝘳𝘢𝘤𝘦 𝘥𝘪𝘧𝘧𝘦𝘳𝘦𝘯𝘤𝘦𝘴. 𝘉𝘶𝘵 𝘪𝘵’𝘴 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘷𝘶𝘭𝘯𝘦𝘳𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘵𝘩𝘢𝘵 𝘵𝘳𝘢𝘯𝘴𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘩𝘢𝘱𝘱𝘦𝘯𝘴.

We discovered how differently we operate when we're alone versus when we're with others - and this awareness is a powerful takeaway.

𝗪𝗼𝗿𝗸𝘀𝗵𝗼𝗽𝘀 𝗧𝗵𝗮𝘁 𝗘𝗻𝗹𝗶𝗴𝗵𝘁𝗲𝗻𝗲𝗱 𝗨𝘀

𝗧𝗵𝗲 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 𝗕𝗹𝘂𝗲𝗽𝗿𝗶𝗻𝘁 𝗪𝗼𝗿𝗸𝘀𝗵𝗼𝗽 𝗯𝘆 Sabah Hussain, was a psycho-emotional assessment with creative art to uncover our underlying beliefs, choices, and traits.
𝗚𝗶𝘀𝗲𝗹𝗮 𝗭𝗲𝗿𝗺𝗲𝗻𝗼 𝗠𝗮𝘆𝗮𝗻 𝗟𝗶𝗳𝗲 𝗣𝗮𝘁𝗵 𝗦𝗲𝘀𝘀𝗶𝗼𝗻 enlightened us about our inner journeys and how our paths align with our core essence.
𝗠𝗶𝗿𝗲𝗶𝗮 𝗩𝗶𝗹𝗹𝗮𝗰𝗮𝗺𝗽𝗮 𝗣𝘂𝗶𝗴 (𝗠𝗶𝗺𝗶’𝘀) 𝗛𝗼𝗿𝗺𝗼𝗻𝗮𝗹 𝗗𝗲𝘁𝗼𝘅 𝗦𝗲𝘀𝘀𝗶𝗼𝗻 taught us about healthy, conscious eating habits tailored for women.
𝗦𝗮𝗺𝗶𝗿𝗮’𝘀 𝗬𝗼𝗴𝗮 𝗮𝗻𝗱 𝗣𝗿𝗮𝗻𝗮𝘆𝗮𝗺𝗮 𝗦𝗲𝘀𝘀𝗶𝗼𝗻𝘀 calmed our bodies and minds with her soothing practices.
𝗖𝗼𝗻𝘀𝗰𝗶𝗼𝘂𝘀 𝗪𝗲𝗮𝗹𝘁𝗵 𝗖𝗿𝗲𝗮𝘁𝗶𝗼𝗻 𝗪𝗼𝗿𝗸𝘀𝗵𝗼𝗽 by myself, opened our minds to new perspectives on money and wealth

Leadership isn’t confined to titles like Manager, VP, or CEO.
Real leaders inspire through authenticity, understanding, and self-awareness, regardless of rank or position. You have to learn to lead yourself first, before leading the world.

Let’s continue breaking barriers together. Success never comes by solo efforts - Rome wasn't built in a day, nor by one person - it takes collective effort to create something truly great. 💫