Novel Wealth are trusted advisors to Canadian professionals.
Move past big banks and DIY platforms to your own financial team that manages your money, builds wealth - and saves on fees.
04/09/2026
Our page was hacked recently, leading to some "novel" (but unauthorized) ads for glasses cases. We have regained access to the account and cleared out the spam. We apologize for any confusion!
Most importantly, this breach was limited to social media and did not affect any of our internal operations.
Stay vigilant!
In this video, tech compensation experts Sham Flora and Jerome Townsend highlight the difference between traditional Bay Street institutions and a small, independent advisory firm - like Novel Wealth.
And why clients are the winners.
📍➝Questions Answered: https://www.novel-wealth.com/
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Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals:
Guests:
Jerome Townsend | CA, CPA, CIM®
- Partner: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
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Novel Wealth is a trusted wealth advisory for Canadian tech professionals. If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
If you’ve spent a decade at Microsoft or another major tech firm, your RSUs may have grown into a substantial nest egg sitting in a Fidelity or Morgan Stanley account. It feels good.
But what many high-income tech professionals miss is this: vested RSUs are taxed as ordinary income, often with 50% withheld at source, and leaving shares untouched can create a looming six-figure tax bill.
Sham Flora and Jerome Townsend of Novel Wealth explain what to do about it.
Ready to move beyond big banks and DIY platforms? We got you!
📍➝ Questions Answered: https://www.novel-wealth.com/
===
Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals:
Guests:
Jerome Townsend | CA, CPA, CIM®
- Partner: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
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Novel Wealth is a trusted wealth advisory for Canadian tech professionals. If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
Many investors praise DIY platforms as a “zero-fee” solution, especially when the goal is simply tracking market performance. But the reality is, focusing only on investment can leave critical gaps in your overall financial picture.
Sham Flora and Jerome Townsend of Novel Wealth discuss how effective wealth management goes beyond returns to include retirement planning, proper insurance coverage, and strategic tax optimization.
Because DIY platforms won’t protect your wealth or set you up for long-term financial security. Smart planning means looking at the full picture.
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Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals:
Guests:
Jerome Townsend | CA, CPA, CIM®
- Partner: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
===
===
Novel Wealth is a trusted wealth advisory for Canadian tech professionals. If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
Many tech pros believe DIY investing is smarter and cheaper. But the hidden cost isn’t fees, it’s mistakes, missed tax strategies, and compounding inefficiencies.
In this video, tech compensation experts Sham Flora and Jerome Townsend break down the hidden risks behind the “smartest guy in the room syndrome” — from relying on incomplete or outdated data, to underestimating the complexity of tax optimization, to ignoring the real cost of your time.
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Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals:
Guests:
Jerome Townsend | CA, CPA, CIM®
- Partner: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
===
===
Novel Wealth is a trusted wealth advisory for Canadian tech professionals. If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
Many believe that truly high-quality financial planning is reserved for those with millions in savings because traditional firms often overlook tech professionals in favour of retirees with millions.
But Novel has a smarter approach - one that focuses on the power of high current earnings, especially in the fast-paced tech sector. The real access point to top-tier financial strategy isn’t about what you’ve already accumulated; it’s about what you’re earning now and how you put it to work.
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Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals:
Guests:
Jerome Townsend | CA, CPA, CIM®
- Partner: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
===
===
Novel Wealth is a trusted wealth advisory for Canadian tech professionals.
If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
Moving from Canada to the U.S. for a tech role? Learn why RRSPs, TFSAs, and especially a move to California can trigger unexpected tax consequences — and how to avoid costly cross-border mistakes.
In this video, tech compensation experts Sham Flora and Jerome Townsend from Novel Wealth explain what Canadian tech professionals need to know before relocating to the United States. While RRSPs are generally recognized by the IRS, California is a major exception that can result in double taxation of growth.
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Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals:
Guests:
Jerome Townsend | CA, CPA, CIM®
- Partner: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
===
===
Novel Wealth is a trusted wealth advisory for Canadian tech professionals. If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
03/12/2026
RSUs, Stock Plans & Tax Strategy for Canadian Tech Professionals
Learn how Canadian tech professionals can optimize RSUs, stock plans, and taxes with Novel Wealth’s family office approach. Reduce fees, simplify finances, and grow your wealth.
In this video, Mark Davies and Sham Flora from Novel Wealth explain how Canadian tech professionals can take control of their finances, manage RSUs and stock plans, and reduce taxes and fees with a fully integrated family office approach.
Using real client examples, they show how Novel Wealth simplifies complex financial planning, provides access to exclusive investment opportunities, and ensures personalized strategies tailored to tech industry challenges.
Move beyond big banks and DIY platforms to a dedicated team of advisors focused on helping you build wealth and minimize taxes.
📍➝ Let's Get Started: https://www.novel-wealth.com/
The true cost of DIY finance isn’t just the fees you avoid; it’s the hidden, compounding effect of mistakes that quietly erode your wealth. For high-earning professionals, even a minor oversight can snowball into major losses over time.
Working with a dedicated, certified advisor mitigates these risks, protecting your long-term growth and ensuring your money works as hard as you do. This is the perspective every ambitious professional needs for true wealth protection.
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Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals:
Guests:
Jerome Townsend | CA, CPA, CIM®
- Partner: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
===
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Novel Wealth is a trusted wealth advisory for Canadian tech professionals. If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
Most wealth management firms look at your bank account. We look at your trajectory.
At Novel Wealth, we focus on potential and complexity — not just net worth. If you're building wealth at Google, Microsoft, or another major tech firm, your financial life is too sophisticated for cookie-cutter bank advice.
Because mistakes compound, not just interest.
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Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals:
Guests:
Jerome Townsend | CA, CPA, CIM®
- Partner: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
===
===
Novel Wealth is a trusted wealth advisory for Canadian tech professionals. If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
Discover the often-overlooked tax tip that tech professionals miss every year, which can mean overpaying thousands to the CRA.
Sham Flora reveals why many tech professionals overlook a critical tax planning step with their restricted stock units (RSUs). Strategically moving these into tax shelters like RRSPs and TFSAs is key to minimizing what's lost to taxes. This simple financial planning oversight costs thousands, highlighting the importance of proper tax strategies for high-income earners.
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Check out Tech Money Smarts on YouTube.
- The Money Show for Canadian Tech Professionals
Guest: Sham Flora | CFA, CFP®
- Lead Advisor: Novel Wealth
- Associate Portfolio Manager: Q Wealth Partners
🌐 https://www.novel-wealth.com/
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Novel Wealth is a trusted wealth advisory for Canadian tech professionals. If you're ready to move beyond big banks and DIY platforms, give us a call.
📍Book your free discovery call at ✆ www.novel-wealth.com
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |
