Darlene & Devon Garat - Garat Financial Group

Established Family

Families with older children need a wise cash flow management plan.

Protecting Your Family

No financial strategy is complete without a plan to protect loved ones from financial loss.

Your Investments

Wise asset allocation and careful investment selection are key to a well-balanced portfolio.

Your Legacy

A detailed estate plan creates a legacy that can benefit your heirs in many ways.

Your Retirement

Retirement comes with many possibilities. We help you make the most of every opportunity.

Young Family

A wise financial strategy keeps a family on track during all the "growing-up" years.

Starting Out

A good financial strategy is a great foundation for a solid relationship.

Your Child's Education

Few things in life are more rewarding than helping the next generation get a great education.

Single

When life situations change a good financial strategy can help to lower the stress.

Income Tax Planning

Minimizing taxes through carefully planning is a powerful financial strategy.

Running a Business

Running a successful business can be one of life's most rewarding experiences.

Chart Your Course to Financial Success

You’ve worked hard for your money, so controlling your risks is important. We know that your financial goals and dreams are very personal, so we are here to help you achieve the future you dream of.

We carefully consider your needs, goals and dreams in order to implement a well-constructed financial solution, so that you can have peace of mind about your financial future. At Garat Financial Group, we prepare you for the turns that life takes, and believe in being proactive, not reactive.

Garat Financial Advisors work with you to develop your personal strategy to help you achieve financial success.

Lay out and simplify all your financial commitments
Develop strategies to address financial concerns
Protect you during unforeseen life events
Deliver tax-efficient strategies across all aspects that improve your financial fitness
Review. Revise.

Your life changes. So should your plan.

Please contact us with your financial questions and concerns.

We put the pieces together to build your vision for the future:

Cash Flow Management
Life insurance
Debt management
Income Replacement
Disability Insurance
Critical illness Insurance
Retirement savings
Tax efficient investments

Serving Vancouver Island since 1997

Latest Articles

7 Everyday Habits of Wealthy People

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September 14, 2026

Audio Version When we think of wealthy people, it is easy to picture massive inheritances, incredibly lucky stock picks, or lottery winnings. However, the reality is usually much less glamorous. For most self-made …

The Adolescent Years: Are You Ready?

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September 14, 2026

Audio Version Have you ever thought about setting aside a little extra cash specifically for your child’s teenage years? If you’ve got a child rapidly approaching middle school, you might want to start …

The Income Tax Bond

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September 14, 2026

Audio Version Meet Dan and Susan. At 65 and 63, they’re finally ready to kick back, relax, and enjoy a well-deserved retirement. They’ve played their financial cards right: their house is completely paid …

Insurance Companies

At Garat Financial, we can provide you with coverage to suit your specific needs.

Listed below are some of the insurance companies we represent:

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