Straight-talking financial adviser for business owners and senior professionals 👨🏻‍💼 Jargon-free financial advice and planning without the pinstripe suit 😎 Do you know how much you’ll have to live on in retirement?

Your company stock is worth more than your house.

On paper, you're wealthy. In reality? You're terrified of having all your eggs in one very expensive basket.

I get it.

As one client put it: "If you talk to people who worked at Nokia or Blackberry, you know that rich feeling can flip very quickly."

I'm Shabbar. I've spent 15+ years helping professionals just like you turn financial complexity into life clarity.

Here's what I believe: Money is never the end goal. It's the tool that gives you choices.

Whether you're wrestling with RSU golden handcuffs or wondering "When can I actually retire?", the questions that keep you awake aren't really about money. They're about life:

- What lifestyle do I want when I retire and how much will this cost?
- How much should I be saving for my retirement?
- When can I afford to stop working, slow down, or perhaps work part-time?
- What income can I expect from my various pension plans?

My approach is different. I don't start with your portfolio - I start with your life.

What makes me different with RSUs specifically?

I help you diversify smartly - reducing concentration risk while still backing your company to succeed. We explore strategies like utilising spouse allowances, maximising available tax vehicles, and creating a balanced approach that doesn't leave you overexposed to one stock's performance.

The result?

Take one recent client - a senior professional whose RSU grants had grown to over 50% of their net worth. They felt wealthy on paper but terrified about having everything tied to one company.

Within 18 months, we'd reduced their company stock exposure to just 7% while building a diversified, tax-efficient portfolio. We used both spouses' CGT allowances, timed sales around vesting dates to avoid unnecessary tax, and wrapped the proceeds in ISAs and pension contributions.

Now they sleep better, have genuine diversification, and still benefit from their company's success - just without the anxiety of having all their eggs in one basket.

Ready to stop feeling trapped by your own success?

Shabbar Kassam

TD Commercial Banking

Manager, Banker Confidence & Segmentation

Relationship Manager

Senior Account Manager

TD Commercial Bank

Analyst

TD-Commercial Bank

Account Manager

Associate

TD is one of the largest banks in North America. We serve more than 19 million customers, including 6 million that we serve online. Our mission is to be the best run, customer-focused, integrated financial institution with a unique and inclusive employee culture. 81,000 TD Bank Group employees represent the strongest team in banking and delivering legendary customer experiences is who we are – it’s in our DNA. It’s part of being the The Better Bank.

As a Small Business Advisor, I provide business customers with the advice they need and help them choose the right combination of banking products and services. My goal is to help business owners spend less time banking and more time focusing on what they do best: building their business.
I’m committed to helping them by discussing their banking needs, offering borrowing and investment solutions and delivering excellent personal service.
All opinions expressed here are my own and do not represent
TDs views or opinions.

Small Business Advisor, Small Business Banking

United Contact (1985) Inc.

General Admin.

Zohair Kassam

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Shabbar Kassam

Zohair Kassam

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