Currently Accepting New Clients Across Canada. Contact Us Today!
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We’re on a mission to help couples turn financial stress into financial strength. By offering transparent, personalized, and fee-only financial advice, we enable you to achieve your goals together—whether it’s buying your dream home, saving for your children’s education, or preparing for early retirement.
Our dynamic duo approach brings a unique advantage. We understand that every couple has two perspectives, and often two different approaches to managing money. By working together, we offer a balanced perspective—addressing both sides of the equation. We tailor solutions to fit not just your financial needs, but your relationship, helping you grow closer as you grow your wealth.
Meet the Minds Behind TruCents
Arefa Kachwala, is motivated by a profound desire to alleviate financial stress and enable people to fully enjoy the joys of life. She believes that financial stress can seep into many areas of life, preventing individuals from experiencing true happiness.
With over a decade of experience in finance, including five years in the Canadian banking industry, Arefa is a CFA charter holder and has completed the Advanced Financial Planning program by FP Canada.
Arefa's goals for TruCents Financial are deeply rooted in her passion for financial literacy. She aims to offer comprehensive financial coaching to clients, making financial planning accessible and affordable for everyone.
Arefa approaches her clients with a friendly demeanour, finding joy in helping them make sense of their finances and providing them with a plan to achieve their goals. Her clients appreciate knowing that, regardless of where they start, there are always steps they can take to reach their financial goals.
Raj Artwani founded TruCents Financial to address the need for independent, transparent, and comprehensive financial advice that he saw missing in the Canadian financial sector. With a Chartered Financial Analyst (CFA) charter and over a decade of experience in investment, credit, and retirement planning, Raj is passionate about making financial planning & low cost investment management accessible to all Canadians.
Having experienced both financial stability and hardship growing up, Raj understands the critical importance of sound financial planning. His mission is to demystify finance by providing expert advice in a clear and understandable manner, helping clients achieve lasting financial well-being.
Raj’s personable approach ensures clients feel genuinely cared for and supported. He leverages his expertise to offer the best guidance possible, committed to your financial success and fulfillment.
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