Open to planning roles · Houston, TX
Talk it through across the table, or see your goals take shape on screen. Either way, your interests come first.
(01) Timeline
Each step since 2021 built on the last: from member advice at a credit union to certification by FP Canada.
Full résumé (PDF) →Before planning · 2014–2021
KYC and reconciliations at a Hong Kong bank; a finance diploma; grew a Toronto telecom’s customer base 58%.
Khalsa Credit Union
RRSP · RESP · TFSA · RDSP
Member financial plans
01 · 2021
Promoted at Khalsa CU
Advised in
Englishਪੰਜਾਬੀहिंदी
02 · Promoted
Coast Capital Wealth
150+
client households
+30%
AUM growth, contributed
03 · 2023
January 2026
Also · Apr 2026
BBA, Finance
Okanagan College
04 · Jan 2026
CFP Board Accelerated Path
Target exam · March 2027
Target exam · Mar 2027
05 · 2027 · Next
Recognition02
Employee of the Month ×3
Carry Telecom
2018–21
Promoted to Senior Advisor
Khalsa Credit Union
2021–23
Community02
Junior Achievement mentor
Youth financial literacy
Volunteer
Member education and community events
Khalsa Credit Union
2021–23
1Certified to advise on Canadian financial planning matters by FP Canada™, an Affiliate of Financial Planning Standards Board Ltd. FP Canada certification requires completed education, an exam, qualifying work experience and a commitment to its ethics standards.
(02) Experience
Pick a role to see what the work involved and what it produced.
Full résumé (PDF) →Coast Capital Wealth
Client households
150+
1 DOT = 1 HOUSEHOLD
Khalsa Credit Union
Promotion
Registered accounts
Certification and a degree
Carry Telecom · Eastern Bank Limited
Customer base · Carry Telecom
+58%
(03) Approach
One fictional example, written twice: the way a plan report puts it, and the way I’d say it across the table.
Financial plan · Tax strategyP. 14
Given the client’s current marginal rate (22%) relative to the projected marginal rate in the distribution phase (24%), we recommend a series of partial Roth conversions from pre-tax IRA assets during the low-income window before RMDs commence. Annual conversion amounts should be calibrated to the upper threshold of the current bracket, with MAGI monitored against IRMAA surcharge tiers and the taxation of Social Security benefits. The pro-rata rule applies to any after-tax basis, and the five-year rule governs converted principal. Conversion tax is to be funded from non-qualified assets to preserve tax-deferred compounding.
MAGI = a term the client would have to look up
Tax on each $10,000 movedIllustrative
$200 less tax on every $10,000 moved.
Fictional example, for illustration only.
(04) A tool I built
Some clients want a conversation. Others want to see their numbers move. I can offer both.
Across the table
A one-on-one plan in plain English, revisited as life changes.
On your screen
Personal tools built around a household's own goals, like this retirement check. I design and code them myself, with AI as my build partner, and check every number.
Projected at retirement · age 65
$679,800
Target · 25× spending
$1,500,000
Short by $820,200. Saving about $1,260 a month, not $500, closes the gap.
45% OF TARGETAfter inflation, so every figure is in today’s dollars.
From Accrue & Brew. Educational only. Fictional example numbers.
(05) Side project
bhawankaur.com/accrue-and-brew
Build log · Educational only
01
Started from the questions clients actually ask
Output · 4 guides
02
Wrote every page in plain English
Output · 15k words
03
Designed and coded the calculators, with AI as my build partner
Output · 2 working calculators
04
Checked every number against IRS and CRA sources, and kept it current
Output · US guide + Canadian layer
(06) What I bring
Four years of planning at two Canadian credit unions, the compliance habits that come with it, and the tools I build so a plan is easy to follow.
01Planning
Four years at two Canadian credit unions. 150+ households.
02Compliance
KYC, KYP and suitability on every recommendation.
03Tools
Built Accrue & Brew: 15k words, 4 guides, 2 working calculators.
(07) Questions
For hiring managers and recruiters. Something else? Email me.
01
Yes, in Canada. FP Canada certified me in January 2026, after I completed its education, exam, experience and ethics requirements.
In the U.S., I'm pursuing certification through CFP Board's Accelerated Path, which recognizes certification from FPSB affiliates such as FP Canada and waives the core coursework. Target exam: March 2027.
02
The process is the same: discovery, cash flow, goals, risk, recommendations, review. Most Canadian accounts have a close U.S. counterpart, even where the tax rules differ.
KYC, suitability and audit-ready files carry straight over.
03
Salaried planning roles on a team: financial planner, associate financial planner or wealth planning associate, at RIAs, private-bank wealth teams and investment firms in Houston or remote.
04
Start with the household, then the money. Put the plan in order so people know what to do first, and review it every year or when life changes.
(08) Contact
Open to planning roles
Four years of planning at two Canadian credit unions, 150+ households, certified by FP Canada. Now based in Houston.
Résumé
Résumé (PDF)Based in
Houston, TX
Looking for
Financial Planner
Associate Financial Planner
Wealth Planning Associate
Teams
RIAs, private-bank wealth, wealth-tech
