For a family, financing a home, protecting the household, planning for tax, protecting assets, funding children’s education and eventually passing wealth on all end up affecting one another.
Guaranti exists to look at that whole picture, and to stay with a family through it.
About us
Guaranti Group was founded in 2015 by Elvis Hui. Over the past decade the firm has grown from a mortgage brokerage into a platform combining three professional capabilities — mortgage financing, financial and risk planning, and wealth and asset protection — operating as a family office for families rather than institutions.
Three core services
Mortgage financing
Residential mortgages · commercial mortgages · construction financing · refinancing · private lending · specialised structures.
Particular experience with self-employed borrowers, business owners, newcomer families, clients with complex income structures, and financing within a broader plan for high-net-worth households.
We treat a mortgage as the beginning of a family’s planning, not the end of a transaction.
Financial and risk planning
Tax planning · retirement planning · RESPs · life and critical illness insurance · business risk management · household cash flow planning · succession arrangements.
Growth matters. Managing risk matters more. What we try to build with clients is a household’s long-term ability to absorb the things that go wrong.
Wealth and asset protection
Corporate structuring · wills and trusts · asset segregation · shareholding arrangements · private lending documentation · family succession · cross-border arrangements · residency and international planning.
Once wealth has been accumulated, holding it becomes more demanding than creating it. Its real value lies in whether it can be protected over time and transferred without friction.
Protection, planning and corporate services
Personal protection — life insurance, critical illness insurance, disability insurance, travel insurance.
Wealth planning — RRSP, TFSA, RESP, FHSA, segregated funds, retirement planning, tax-efficient estate planning.
Corporate solutions — group benefits and employee protection, corporate tax and wealth planning, business succession planning, key person and shareholder protection.
General insurance
Personal property. Detached and townhouse policies covering the building and contents against fire, theft and water damage. Condominium and strata policies covering interior improvements, personal property, and exposure to a strata’s high deductible. Tenant policies covering personal property and tenant legal liability. Landlord and investment property policies covering the asset and loss of rental income.
Automobile. ICBC basic coverage, including remote renewal.
Commercial. Commercial general liability, protecting against third-party injury and property damage claims. Commercial property and equipment coverage for premises, retail space, inventory and specialised tools. Packaged programs designed for retailers, restaurants, professional services offices and independent contractors.
Founder
Elvis Hui founded Guaranti Group in 2015, starting in mortgage financing and building the team into a one-stop financial services platform and family office for households.
Professional network
What we actually provide is the coordination of the different resources a family needs at different stages of life. We work with specialist teams on an ongoing basis:
Legal. When clients need asset protection or legal documentation, we connect them to legal teams covering corporate and commercial, real estate and financing, wills and trusts, and family and asset agreements.
Tax and accounting. When clients need tax planning, we connect them to accounting teams for corporate and personal tax structuring and compliance filings.
International. When clients need cross-border planning, we connect them to international resources for cross-border residency and asset arrangements.
Legal, tax and immigration services are provided by independent professionals within their own areas of practice and regulatory authorisation. Guaranti Group coordinates access to those advisors; it does not provide legal, tax or immigration advice.
First published on Guaranti’s WeChat account.