The Immigrant Playbook

 Free Resource

Navigate Your Financial Future with The Immigrant Playbook

As an immigrant professional or entrepreneur in Canada, your financial picture is uniquely complex. This free guide gives you the strategies, clarity, and confidence to build lasting wealth... on your terms.

 Understand your Canadian tax obligations as a newcomer
 Optimize your RRSP, TESA & FHSA for maximum growth
 Build a financial plan that aligns with your values and goals
 Turn financial complexity into lasting clarity and confidence



An immigrant helping immigrants.

Created by Paulo Songane, shaped by his own immigrant journey in Canada.

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The Immigrant Playbook offers
a human-first approach to financial planning,
helping immigrant professionals and entrepreneurs turn complexity into clarity.

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including True North Retirement Counsel. As a client of Q Wealth, you may receive services from both Q Wealth and True North Retirement Counsel. Note that individuals from True North Retirement Counsel will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. True North Retirement Counsel may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered as a Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan and Yukon, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan, and a Commodity Trading Manager in Ontario. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.