About

Whether you're raising a family in Surrey, running a business in Surrey, approaching retirement in White Rock, or navigating a major life transition — the financial decisions you make today shape everything that follows.

At Rajni Sharma Financial Services Ltd, we help people like you get clear on where you stand, make confident decisions about your money, and build a roadmap that grows with your life. We work with families, business owners, and professionals across the Lower Mainland who want more than a product — they want a relationship with an advisor who actually knows their name, returns their calls, and proactively checks in when life changes.

Before I joined this practice, I spent 15 years in real estate development — working on projects ranging from single family homes to large-scale apartment buildings. I navigated permits, managed trades, hit tight construction timelines, and learned very quickly how to read a situation and the people in it. You develop a sharp instinct for what's real and what isn't. That skill

— call it a finely tuned radar for what doesn't add up — turned out to be one of the most useful things I could bring into financial management.

Real estate teaches you that every project has layers: the visible stuff and the stuff underneath that determines whether the whole thing holds together. Financial guidance is the same. What looks simple on the surface — a life insurance policy, an investment account, a retirement projection — often has critical details underneath that most people never think to ask about. I ask about them.

I came into this work because I wanted to help people build something real and lasting. Working alongside Rajni, who has spent 20 years doing this at the highest level, has sharpened everything I do.

On the personal side, life is full and loud in the best way. My wife Pauline and I have two boys — Brooklyn and London — with a third on the way, so the house is never quiet, and I wouldn't have it any other way. I stay active, work out regularly, golf when the schedule allows, and love bringing people together — whether that's family, friends, or anyone worth sharing a good meal and a drink with.

Our family spends time in Newport Beach whenever we can get there, which has given me a genuine appreciation for what it looks and feels like to build a life you truly love living — and how much intentional planning goes into making that possible.

That's what I want for Clients. A strategy built well enough that the life they want is actually within reach.

I've been part of this team for over 10 years, and what I can tell you is that the culture here is genuine. The care Rajni brings to every Client relationship — it's real, and it sets the tone for everything we do.

My role is to make sure the day-to-day runs smoothly so that Clients always feel looked after and our advisors can focus entirely on the people in front of them. Over a decade in this office, I've built a deep working knowledge of everything we do — from account administration and client onboarding to navigating Sun Life's systems and making sure nothing falls

through the cracks. Clients often tell me that talking to me feels like talking to someone who actually knows them. That's intentional. I pay attention, I remember details, and I genuinely care about the people on the other end of the phone.

If helping people is something you can have a gift for, I think that's mine. There's nothing more satisfying than solving a problem for someone who walked in stressed and walked out feeling taken care of.

Outside of work, my two young daughters keep me completely on my toes — and I love every minute of it. They are my whole world and the reason I understand, deeply and personally, why the families we work with are so motivated to get their financial lives right.