Kayal Financial Solutions



Providing Wealth Security for Your Business & Family

Proudly Serving Our Community For The Last 30 Years.

Our Mission

Our mission is to help professionals, self-employed individuals, and small business owners with their financial planning needs. We strive to provide customized strategies aligning with their goals and aspirations. We aim to empower our clients to make informed decisions and achieve long-term financial success by offering transparency, collaboration, and ongoing support.

Empower Your Financial Future with Personalized Solutions

Discover a suite of Individual & Business Financial Services that secure your today and empower your tomorrow. Explore protection plans and investment opportunities crafted to align with your goals, ensuring a resilient and prosperous future.

Individual Financial Services

Life Insurance

Provides financial protection for individuals by paying out a sum of money to beneficiaries in the event of the insured person’s death.

Disability Insurance

Offers income replacement in case an individual becomes disabled and is unable to work due to illness or injury.

Critical Illness Insurance

Pays a lump sum to the policyholder upon diagnosis of a covered critical illness, helping to cover medical expenses and provide financial support during recovery.

RRSP (Registered Retirement Savings Plan)

An investment account that allows individuals to save for retirement while enjoying tax benefits. Contributions are tax-deductible, and investments grow tax-free until withdrawal.

RESP (Registered Education Savings Plan)

Designed to help individuals save for a child’s post-secondary education. Contributions to an RESP grow tax-free, and there are government grants available to enhance savings.

FHSA (First Home Savings Account)

A registered plan that enables prospective first-time home buyers to save for their first home in a tax-efficient manner.

TFSA (Tax-Free Savings Account)

A flexible savings and investment account that allows individuals to earn tax-free income on their contributions. Withdrawals can be made at any time, tax-free.

RDSP (Registered Disability Savings Plan)

A long-term savings plan for individuals with disabilities that offers tax-deferred growth and potential government grants and bonds to help secure their financial future.


Financial products that provide individuals with a steady stream of income during retirement by converting a lump sum of money into regular payments over a defined period or for life.

GICs (Guaranteed Investment Certificates)

Fixed-term investments where individuals deposit money for a specific period at a fixed interest rate, guaranteeing the principal and interest.

Mutual Funds

Investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets, managed by professional fund managers.

Segregated Funds

Similar to mutual funds, segregated funds are investment products offered by insurance companies, providing potential growth while offering certain guarantees and protection against market downturns.

Business Financial Services

We offer a comprehensive range of services tailored to each stage of your business.

During the survival stage, business owners must plan for potential threats that could harm the company’s viability. Business continuation planning includes insurance for key persons, loan protection, funding buy-sell agreements, and provisions for income replacement and overhead expenses. These strategies safeguard the business, its income, and financial security, ensuring a lasting legacy for future generations.

During the growth stage, businesses focus on attracting and retaining key employees through innovative benefit packages and deferred compensation plans. Strategies may include shared ownership critical illness insurance plans, an Individual Pension Plan (IPP) for enhanced retirement income, and employee benefits like group insurance and savings to boost loyalty and productivity.

At the maturity stage, business succession planning becomes paramount. This comprehensive process assists owners in planning the eventual transition out of business management and the transfer of ownership upon retirement. It encompasses assets transfer to the next generation, equalizing the estate among them, and delves into trust planning and philanthropy. Business succession planning considers all possibilities, including addressing the potential impacts of an owner’s death or disability.

Throughout all stages, our expertise lies in maximizing tax efficiency, enabling you to retain more of your hard-earned profits and protect your wealth for the future.

Our Partners

Unlocking Success Together..

What Our Clients Say..

Contact Us


Claude Kayal

RLU, Fin.Pl, Financial Security Advisor
514-342-2002 ext. 221


Alexander Karalekas

Financial Security Advisor
514-342-2002 ext. 227


Elaine Mailhot

Office Manager
514-342-2002 ext. 225

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Our Team

Get in touch with our team for any inquiries, collaborations, or just to say hi. We’re here to listen and engage with you!