Stefano Pannu - Financial Advisor RGF Wealth Vancouver
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Stefano Pannu

Financial Advisor
BA CFP
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As a Certified Financial Planner (CFP) my objective is to establish long-term relationships built on trust. We work together, through disciplined planning, to develop a comprehensive financial plan to help you reach your goals.


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Stefano Pannu

Financial Advisor
BA CFP
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As a Certified Financial Planner (CFP) my objective is to establish long-term relationships built on trust. We work together, through disciplined planning, to develop a comprehensive financial plan to help you reach your goals.


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Stefano Pannu

Financial Advisor

BA CFP

Bryn Hamilton and I work together to gain an understanding of the things in life that are important and meaningful to you.  We then provide guidance by thoroughly outlining clear options that are then implemented with the outcome of making your future goals a reality.   This is done through a holistic financial plan that will give you clear direction and confidence in your future. We will take the time to ensure you fully understand to be able to choose your path wisely and delegate responsibly, while enjoying the simplicity and convenience of independent and transparent advice.

I began my career in the financial industry in 2012, then joined RGF Integrated Wealth Management in 2016.  I pride myself on providing comprehensive financial planning advice in all areas of financial planning with the goal of bringing value and meaningful happiness to your life.  The way to achieve this is through a disciplined financial planning process coupled with knowledge and expertise resulting in a sound documented plan.  Your plan will provide the key to reaching your personal and financial goals. 

I was born and raised in Burnaby, British Columbia.  Currently, I live in Coquitlam with my wife Danielle and my two daughters. I enjoy travelling and being active while participating in various sports in both playing and coaching capacities.  My family and I enjoy the opportunity to often visit Kelowna in the Okanagan, where we have a large extended family.  I am always looking to further my knowledge whether that is through the latest book or podcast.  One of my proudest commitments is participating as a cyclist in the annual Ride to Conquer Cancer for the BC Cancer Foundation.

Industry Associations

IFB – Independent Financial Brokers of Canada
FPSC – Financial Planning Standards Council
ICBC – Insurance Council of BC




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Degrees and Designations

BA (Communications) – Simon Fraser University
CFP (Certified Financial Planner)

Education

CSC  (Canadian Securities Course)
CPH  (Conduct & Practices Handbook)
LLQP (Life License Qualification Program)
WME (Wealth Management Essentials)
Certificate in Personal Financial Services Advice




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IIROC
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TEAM MEMBERS
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Specialized Expert Knowledge
Business Owners 

Financial planning for business owners tends to be quite complex, involving such factors as multifaceted estate issues, tax considerations, and succession planning that align with ever-changing and stringent government tax legislation. Due care in determining a personal financial strategy involves an advanced level of expertise of Canada’s corporate landscape as well as an understanding of the business as it is now and as it is forecasted to be in future. 

Through our financial planning process, we aim to address business owners’ big-picture needs by constructing customized strategies to achieve their specific goals of wealth preservation, avoidance of unnecessary tax burdens, creditor protection, risk assessment, wealth accumulation and wealth distribution to themselves, their family, estate and charities.




SPECIALIZED EXPERT KNOWLEDGE
Tech Sector

Today’s tech sector environment has evolved significantly in the areas of culture and compensation.  The current landscape is unique in the sense that it incorporates progressive features such as specialized compensation models, employment structures and retention incentive packages among other exclusive characteristics.

Our financial planning process will navigate you through the complex and ever-changing tech sector landscape. Our goal is to provide you with clarity and an understanding of your unique set of circumstances.  Whether it be from equity ownership of your employer and eligibility of the Lifetime Capital Gains Exemption (LCGE) upon sale of them, to equity-based stock option alternatives (RSU, DSU, SAR, etc.), to potential integration of a personally-owned corporation, to something as simple as frequent and significant pay increases and the tax planning strategies that are associated with them.  We will work with you to provide the necessary financial planning steps and solutions to formulate a logical path from today into the future.


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Specialized Expert Knowledge
Public Sector Defined Benefit Pensioners 

Wealth management for the public-sector employee may seem to be a simple endeavor; however, there are numerous unique financial planning challenges specific to the Defined Benefit (DB) pensioner that lie just beneath the surface.  Typical unforeseen and overlooked challenges we address are: forced income, unexpected expenses and taxation.  These are inevitable by the very nature of how a pensioner will be positioned for retirement, having mainly accumulated wealth in registered environments.  The result, due to a lack of predetermined accessible funds from a tax-preferential income source, is pensioners becoming “tax bracket sensitive.” 

Our financial planning process aims to overcome the many hurdles specific to the DB pensioner.  Strategies like Income Splitting, Asset Location, and Pension Option Analysis are some solutions, to name a few, that can be applied.




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  • "I originally came to Bryn and Stefano to discuss my personal retirement compensation package and also to discuss the options available for my future financial planning.  I was very impressed with the personalized professional service and advice I was given and how it was tailored to meet my specific financial needs."

    - Julie C.

  • "I felt very comfortable with the clear and concise explanations I was given to make an informed decision about the direction I wanted to head in. I have no hesitation in recommending Bryn and Stefano's services with complete trust and I look forward to a continued relationship with them."

    - Julie C.

  • "I have been a client of Bryn and Stefano for more than 10 years. During this time, they have guided me through numerous changes in my life."

    - Kitt T.

  • "I originally began working with Bryn and Stefano as a result of moving up through my career with my employer.  Bryn and Stefano were able to address all my financial planning needs, especially any tax implications and how this effects my long term goal of retirement."

    - Brad M.

  • "When I have needed advice they are always available to discuss financial issues and regularly put suggestions to me regarding ways to improve my position and specific needs as a physician."

    - Kitt T.

  • "I have also been impressed with their willingness to engage with my other advisers (Accounting, Legal and Finance) to ensure that my overall strategy is sound."

    - Kitt T.



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