Business Details
50+ Years
experience
Your Trusted Financial Partner in Vancouver, BC
At ZLC Financial, we have dedicated ourselves to serving Western Canadian business owners and their families since 1946. Our integrated approach ensures that every financial strategy we craft is tailored to the unique circumstances, needs, and goals of our clients. We prioritize long-term relationships, offering high-touch service that goes beyond generic solutions. With a team of seasoned professionals, we combine decades of experience with a commitment to innovation, ensuring our clients benefit from both expertise and personalized attention.Our focus on trust, transparency, and community investment has solidified our reputation as a leader in financial advisory services. We pride ourselves on delivering actionable insights that preserve and grow wealth while addressing the complexities of business succession, estate planning, and retirement strategies.
Services
Business Family Succession
Charitable Strategies
Estate Planning
Retirement Solutions
Employee Benefits
Investment Management
Structured Settlements
Life Insurance
Integrated Financial Planning
Wealth Preservation
Details
- Year established: 1946
Highlights and features
- We offer over 75 years of experience in financial advisory services for business owners.
- Our team-based approach ensures comprehensive, tailored solutions for complex financial needs.
- We prioritize long-term client relationships built on trust and transparency.
- Our tax-efficient charitable strategies maximize impact while optimizing wealth management.
- We integrate estate, retirement, and business succession planning for holistic financial security.
What people say
Trust their expertise
Personalized service
Decades of experience
Tax-efficient strategies
Seamless succession planning
Services
Business Family Succession
Our Business Family Succession service helps owners transition their enterprises smoothly while preserving wealth. We address tax implications, leadership continuity, and family dynamics to ensure sustainable transfers. Clients benefit from customized strategies that align with both personal and business objectives.
Charitable Strategies
Charitable Strategies enable clients to maximize their philanthropic impact through tax-efficient methods. We design solutions like donor-advised funds and life insurance gifts, ensuring donations align with wealth management goals while supporting meaningful causes.
Estate Planning
Estate Planning services protect and distribute assets according to client wishes. We coordinate wills, trusts, and tax mitigation techniques to provide clarity for heirs while minimizing legal and financial complexities during transitions.
Retirement Solutions
Retirement Solutions focus on securing sustainable income streams tailored to lifestyle goals. We balance growth and risk management to ensure financial stability throughout retirement, adapting strategies as client needs evolve.
Employee Benefits
Employee Benefits advisory services optimize workplace programs for businesses of all sizes. We design cost-effective health, retirement, and insurance packages that enhance employee retention while aligning with corporate financial objectives.
People
Garry Zlotnik
Chairman & CEO
Garry Zlotnik co-founded ZLC Financial and has over 40 years of experience in financial advisory services. He specializes in business succession planning and has guided the firm's growth into one of Vancouver's leading independent advisory firms.
Michelle Richier
President
Michelle Richier leads strategic initiatives at ZLC Financial with a focus on client-centric innovation. Her leadership emphasizes integrating financial planning with community investment to deliver holistic solutions for business owners.
Aeronn Zlotnik
Principal Financial Associate
Aeronn Zlotnik specializes in retirement income strategies and investment management. With over 20 years at ZLC, he combines technical expertise with personalized service to help clients achieve long-term financial security.
Vilayphone (Violet) Smith
Associate, Integrated Financial Planning
Violet Smith provides comprehensive financial planning for high-net-worth clients, focusing on estate and tax optimization. Her CPA, CFP, and TEP credentials ensure clients receive technically rigorous yet accessible advice.
Farzin Remtulla
Principal Financial Associate
Farzin Remtulla combines accounting and financial planning expertise to deliver tailored wealth management solutions. His focus on tax-efficient strategies has made him a trusted advisor for entrepreneurs and professionals.
Questions
What is business succession planning and why is it important?
Business succession planning ensures smooth ownership transitions while minimizing taxes and preserving value. It's critical for maintaining operational continuity and securing your family's financial future.
How can charitable giving benefit my financial strategy?
Charitable strategies reduce tax liabilities while supporting causes you care about. We help maximize impact through tax-efficient vehicles like donor-advised funds and life insurance gifts.
What happens to my RRSP when I retire?
You can cash in your RRSP, convert it to a RRIF for regular income, or purchase an annuity. We help choose the option that aligns with your retirement income needs.
Do I need life insurance if I'm a single parent?
Yes. Life insurance protects dependents by replacing income and covering expenses like childcare or education. We design policies that address your family's specific financial needs.
How can businesses control employee benefit costs?
We optimize plans through design adjustments, provider negotiations, and employee education. This maintains coverage quality while managing rising healthcare and insurance expenses sustainably.
What's included in a comprehensive estate plan?
A complete estate plan includes wills, trusts, powers of attorney, and tax strategies. We ensure your assets are distributed according to your wishes while minimizing probate fees.
