Vastu Tips for Sculpture & Paintings in the Home Vastu Vision Inc.
Invest Smart: Harnessing the Power of Cash Flow in Commercial Real Estate Dustin Sidhu
UNDERSTANDING PRE-CONSTRUCTION LEGAL DISPUTES HANDLING LANDLORD-TENANT DISPUTES
CHAMPIONING INNOVATION IN REAL ESTATE LAW AND HUMAN RIGHTS WHILE SHAPING CULTURAL LEGACY
Jeevan Punni’s passion for land development and real estate has propelled him to become one of the most respected Real Estate Brokers in the Greater Toronto Area (GTA). With over a decade of experience, Jeevan has forged partnerships with top-tier developers such as Lifetime, CentreCourt, Empire Developments, Tridel, Fernbrook, Dianels Corp, Liberty Developments, Menkes, Emblem and many others. His exceptional achievements have earned him a spot among Canada’s elite real estate professionals. As a former Top 1% RE/MAX Broker in the country and ranked #14 nationwide, Jeevan has been celebrated with numerous accolades, including the prestigious RE/MAX Hall of Fame Award in 2012 and the RE/MAX International Chairman’s Club Award for outstanding sales performance and many more to current date.
Beyond his success with RE/MAX, Jeevan has also secured several top industry honours, such as the Top Platinum Producer Award, the Top Individual Salesperson Award, and the coveted $10,000 Grand Year-End Prize from Baker Real Estate amongst all realtors. His standout achievement in selling the highest number of suites at new condominium sales offices highlights his unmatched expertise in pre-construction real estate.
Jeevan’s client-centric approach is at the core of his success. His dedication to delivering exceptional service and creating developments that go beyond expectations sets him apart as a trusted advisor in the competitive GTA real estate market. But Jeevan’s reach extends beyond real estate. A true community advocate, he is actively involved in promoting and sponsoring a variety of local events, including the South Asian Trade Shows Expos, Home and Condo Show, Bollywood festivals, and cultural celebrations at the Living Arts Centre. His contributions also span into supporting local children’s soccer teams, collaborating with law enforcement on community initiatives, and giving generously to food banks, Churches and charities.
Whether he’s closing multi-million-dollar real estate deals or supporting local causes, Jeevan Punni remains a visionary leader committed to making a positive impact both in his industry and in his community. His drive, passion, and commitment to excellence continue to shape the landscape of the GTA and beyond. 416
Jeevan Punni’s entrepreneurial journey began at a young age. Even as a teenager, he was driven by a desire to build and create, launching several successful small and home-based businesses. Over the years, this spirit has evolved, positioning him as a seasoned business leader. In addition to his highly successful preconstruction real estate ventures, Jeevan founded multiple businesses, including Homelife G1 Realty, Inc. and Helperzz Management Corp., further solidifying his status as an innovative entrepreneur.
Welcome to this 2nd edition of the Ontario South Asian Real Estate Magazine, brought to you by Rina Gill - The Hype Ad Agency and Dustin Sidhu - Sidhu Luxury Properties. We are excited to feature the esteemed Satwinder Gosal, managing partner of RZCD Law, on our cover. Sat’s expertise and commitment to the real estate sector exemplify the high standards we aim to uphold in our community.
In this issue, we delve into essential topics impacting the real estate landscape. Our article on Pre-construction Disputes offers valuable insights for buyers and developers navigating the complexities of new builds, ensuring a smoother experience for all parties involved. We’re also thrilled to feature Vastu Vision by Kalpesh Joshi, where he explores the principles of Vastu Shastra (Feng Shui) and its significance in creating harmonious living spaces. Understanding these concepts can enhance property value and appeal.
Our Landlord Disputes article addresses common challenges landlords face and provides practical solutions to mitigate risks, empowering property owners to manage their investments effectively. Additionally, Dustin shares his expertise on Investing in Smart Cashflow Properties, guiding readers on how to make informed decisions that ensure long-term financial stability.
Rina’s article on Mastering Your Branding and Marketing is a must-read for anyone looking to elevate their real estate presence. In today’s competitive market, effective branding can set you apart and attract the right clients.
Finally, we are proud to include a special BC feature on Elegant Touch Home Staging by Rita Chohan. Her insights on staging properties beautifully demonstrate how first impressions can significantly impact sales. Rita is in the process of expanding her business across Canada. We hope you find this edition informative and inspiring as we continue to foster growth and connection within our vibrant community.
During this auspicious and prosperous time of the year, we wish you and your loved ones a very Happy Diwali and Bandhi Chhor Divas! May all of you be free from darkness and abundant with light.
The Off-Market Realtor
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Unlock the market with Ourboro.
Preconstruction real estate investments have become increasingly popular in Canada, particularly in fast-growing urban centers like Toronto and Vancouver. Purchasing property before it’s built offers the advantage of securing a lower purchase price, with the potential for significant appreciation by the time the property is ready. However, these deals are not without risks, and legal disputes are common due to issues such as project delays, contractual misunderstandings, or financial hardships that prevent buyers from closing on their units. Navigating these disputes requires an understanding of the legal framework, common issues, and available remedies.
At the core of most preconstruction disputes is the Agreement of Purchase and Sale (APS). This legally binding contract governs the relationship between the buyer and the developer and outlines key terms, including the purchase price, projected completion date, and specifications for the property. It also contains clauses covering potential delays, changes to the project, and remedies if either party fails to meet their obligations.
For buyers, reviewing the APS carefully with the help of a real estate lawyer is crucial. Developers often draft contracts in their favor, including clauses that may allow for material changes to the unit’s design or permit delays beyond the initially projected timeline. Buyers may be unprepared for these contingencies, leading to disputes once the project nears completion.
1. Project Delays: Construction delays are among the most common causes of preconstruction disputes. Projects are frequently subject to unforeseen challenges, such as labor shortages, rising material costs, or delays in obtaining necessary permits. Developers may invoke force majeure clauses in the APS, which protect them from liability for delays caused by factors beyond their control, such as natural disasters or economic crises.
While buyers in Ontario have certain protections under the Ontario New Home Warranties Plan Act, administered by Tarion, these protections are often limited. Buyers can become frustrated if delays are excessive, particularly if they had planned to move into the new property or if they have incurred costs due to extended timelines. Disputes may arise over whether the developer has acted in good faith or managed the delay appropriately.
2. Material Changes to the Unit: Developers usually reserve the right to make minor changes to the unit’s design, layout, or finishes. However, disputes often arise when buyers feel these changes are more significant than expected. For instance, a developer might reduce the square footage of a unit, change its orientation, or alter key amenities. Although these changes are typically allowed within the terms of the APS, they can lead to disputes if buyers feel the final product deviates substantially from what was promised. Buyers may seek compensation or look to terminate the agreement if the changes are significant enough.
3. Misrepresentation and Advertising: Developers often promote preconstruction projects with glossy brochures and marketing materials that may not accurately reflect the final product. While these materials are typically labeled as “artist’s renderings” or “conceptual designs,” disputes can arise when the finished project looks vastly different from what buyers anticipated. Misrepresentation claims can be complex, as developers often protect themselves with disclaimers in the APS. Nevertheless, buyers may still pursue legal action if they believe they were misled by the marketing.
4. Cancellation of Projects: In some cases, preconstruction projects may be canceled altogether due to financial problems, zoning issues, or other unforeseen challenges. In these instances, buyers are usually entitled to a refund of their deposit. However, the cancellation can cause frustration, especially if property values have appreciated since the initial purchase and buyers feel they have missed out on other investment opportunities. Buyers may seek additional compensation for financial losses, but developers often protect themselves from such claims through carefully worded contract clauses.
5. Inability to Close Due to Financial Hardship: Another growing issue in preconstruction real estate is the inability of buyers to close on their units due to unforeseen financial hardships. Many buyers sign preconstruction agreements years before the property is ready for occupancy. During that time, personal financial circumstances may change. For example, interest rates may rise, making mortgage qualification more difficult, or a buyer may lose their job or experience a financial setback.
In such cases, buyers may be unable to secure the financing necessary to close on the property. Failing to close can lead to severe financial penalties, including the forfeiture of the deposit, potential lawsuits from the developer for breach of contract, and even damages for any losses the developer incurs from reselling the unit at a lower price. Buyers should always consider their financial stability before entering into a preconstruction agreement and include contingencies, if possible, to protect themselves from these risks.
When preconstruction disputes arise, buyers and developers have several options for resolving the issue. Ideally, both parties should seek to negotiate a resolution before escalating the matter to formal legal proceedings.
1. Mediation and Arbitration: Many preconstruction agreements include clauses requiring parties to attempt mediation or arbitration before resorting to litigation. Mediation involves a neutral third party who helps the buyer and developer reach a mutually agreeable solution. Arbitration is a more formal process, in which an arbitrator hears both sides and issues a binding decision. These methods are often quicker and less expensive than litigation and can help resolve issues efficiently.
2. Litigation: If mediation or arbitration fails, buyers may choose to pursue litigation. This can involve filing a lawsuit for breach of contract, misrepresentation, or damages. Litigation is typically more time-consuming and costly than alternative dispute resolution methods, but it may be necessary if the dispute involves substantial financial losses or the developer refuses to negotiate in good faith. In Ontario, buyers can also seek assistance from Tarion if the dispute involves construction delays or defects in workmanship.
3. Tarion Warranty Program: In Ontario, the Tarion Warranty Program provides protections for buyers of new homes, including those purchasing preconstruction units. Tarion covers various issues, such as delays in occupancy, defects in materials or workmanship, and structural problems. If a buyer believes their preconstruction unit does not meet the standards outlined in the contract or experiences unreasonable delays, they can file a claim with Tarion. However, Tarion’s protections are limited, and not all disputes fall under its jurisdiction.
Buyers who are unable to close due to financial hardship may have some options to negotiate with the developer. In certain circumstances, developers may be willing to extend closing dates, offer alternative financing arrangements, or allow buyers to assign their purchase agreement to another buyer. However, developers are under no obligation to accommodate these requests, and buyers should not rely on such outcomes.
To prevent financial hardship disputes, buyers should secure mortgage pre-approval and closely monitor their financial situation leading up to the closing date. It’s also wise to build a contingency plan in case interest rates rise or the market shifts unexpectedly, affecting the buyer’s ability to secure financing.
Preconstruction real estate offers numerous advantages but is also fraught with risks, including project delays, material changes, misrepresentation, cancellations, and unforeseen financial hardships. Understanding the legal framework surrounding preconstruction purchases is essential for both buyers and developers. By carefully reviewing contracts, consulting with legal professionals, and proactively managing finances, buyers can mitigate potential disputes. When conflicts do arise, mediation, arbitration, litigation, and warranty programs like Tarion provide pathways for resolution, helping to ensure that all parties can achieve a fair and just outcome.
Having a beautifully themed home is a dream shared by many homeowners. The décor of a home often reflects the personalities and preferences of the individuals who live there, from contemporary designs to vintage interiors or even religion-based art and sculpture. Each piece in the home, whether it is an antique from across the globe or a personal treasure, tells a story about the homeowner’s mindset and aesthetic preferences. However, amidst the joy of decorating, many overlook a crucial factor that can significantly influence the ambiance of their space—Vastu Shastra. This ancient Indian architectural system governs the placement and arrangement of items in a home to ensure the optimal flow of energy.
While the decision to bring sculptures, paintings, and murals into your home is often based on personal taste, incorporating Vastu principles can enhance the harmony, balance, and positive energy within the space. Whether it’s a religious idol, a vibrant painting, or a sculpture with cultural significance, its placement can either support or disrupt the flow of energy in your home. If done incorrectly, these decorative items can interfere with the natural balance Vastu aims to maintain, which is why consulting a Vastu expert can be essential.
Vastu Shastra is a precise science that guides every aspect of architecture and design within the home, and this includes where and how you place artwork and sculptures. While it’s common to focus on aesthetics when decorating, understanding how Vastu influences energy can help you create a space that not only looks beautiful but also feels balanced and harmonious. For instance, when placing religious items like a God idol or religious murals, many people may simply choose a place that seems visually appealing. However, Vastu dictates specific guidelines for the number of religious images or idols you can place in your home, as well as where they should be positioned.
For religious artifacts, the North-East direction is considered the most auspicious according to Vastu, as this direction corresponds with water energy and spiritual growth. Placing your sacred images or sculptures in this area of the home ensures that the positive energy associated with these items can flow freely, enhancing your family’s well-being. On the other hand, placing water-related art in the South-East corner, which is associated with fire, can disturb the energy balance and lead to disharmony among family members. This is why Vastu experts recommend being mindful of the direction and corner in which each piece of artwork is placed, as the consequences of misalignment can affect the peace, health, and prosperity of your household.
When it comes to choosing and arranging art in your home, Vastu provides specific guidelines to maximize the benefits of the energy flow. These small but significant details ensure that your home maintains a positive, vibrant atmosphere while promoting well-being for everyone living there.
1. Religious Idols and Images: It’s important to limit the number of religious images or idols in your home temple. As per Vastu, having too many idols or pictures of deities can create a chaotic energy field, reducing the effectiveness of their positive influence. Keep the religious corner simple and uncluttered, preferably in the North-East direction, which supports spiritual energy.
2. Appropriate Placement for Art: The placement of paintings and sculptures in the home should reflect the energy associated with their subject. For example, water-related paintings, such as those depicting rivers, oceans, or fountains, should be placed in the North-East or North direction, as these areas are associated with water energy. Placing them in the fire zone (South-East) can disturb the elemental balance of the space. Similarly, paintings or sculptures symbolizing strength, such as depictions of lions or horses, should be placed in the South or West to align with the energy of power and stability.
3. Avoid Negative Imagery: Art that depicts negative or violent imagery can invite negative energy into your home. For instance, paintings that show scenes of war, destruction, or aggression can disturb the peace in the household. Similarly, placing whimsical or inappropriate art, like a monkey smoking or playing poker, in a child’s bedroom can create an imbalance in the child’s energy and development. Always choose artwork that reflects positive, inspiring, and goaloriented themes to ensure that it promotes growth and harmony.
4. Choosing Art Based on Occupants: Vastu encourages the selection of artwork that aligns with the energy and aspirations of the individuals living in the home. For example, if you have a child learning classical dance, placing a mural that depicts traditional dance can support their artistic development and enhance their focus. Similarly, placing art that reflects academic growth or creativity in a child’s study area can boost concentration and success in their studies.
5. Synchronizing Art with Natural Energy Flow: Art is a reflection of an artist’s thoughts and connection with nature. When placed correctly, it can enhance the natural flow of energy in your home. Vastu helps you determine the most suitable locations for each piece of artwork, ensuring that it complements the energy flow rather than disrupting it. A Vastu expert can guide you on where to place each piece based on the energy of the room and the purpose it serves, whether it’s a living area, bedroom, or office space.
By integrating Vastu into your home décor, you not only create a visually appealing environment but also cultivate a space that supports the physical, emotional, and spiritual well-being of everyone living in it. With the right guidance from a Vastu expert, you can ensure that each sculpture, painting, and decorative piece you bring into your home contributes to a harmonious, balanced, and prosperous life.
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Investing in commercial real estate has long been regarded as a lucrative opportunity for wealth building, and one of the most promising avenues within this sector is cash flow commercial properties. These properties generate a steady stream of income, providing investors with numerous advantages, especially in a stable economy like Canada’s. Whether it’s multifamily apartments, net lease strip malls, or other positive cash flow businesses, these investments can lead to financial independence and security. This article explores the benefits of cash flow commercial properties and why they should be a significant consideration for Canadian investors.
One of the primary benefits of cash flow commercial properties is their ability to generate consistent income. Multifamily apartments and retail properties, such as net lease strip malls, typically provide regular rental payments, creating a reliable revenue stream. Unlike residential properties, where income can fluctuate based on vacancies or short-term leases, commercial properties often come with long-term leases, ensuring stability. For example, net lease strip malls often feature tenants that commit to long-term leases, reducing the risk of sudden vacancies. This predictability allows investors to forecast their cash flow more accurately, facilitating better financial planning and stability. Multifamily apartments also benefit from the demand for housing, especially in urban centers where population growth drives the need for rental units. This steady demand translates into reliable cash flow, making multifamily properties an attractive investment option.
In addition to generating cash flow, commercial properties have the potential for significant appreciation over time. As property values increase due to factors like economic growth, population influx, and infrastructure developments, the value of your investment can rise substantially. This appreciation can be especially pronounced in thriving areas, making cash flow properties not only a source of regular income but also a longterm investment strategy.
Investors can leverage the appreciation of their commercial properties when they decide to sell. For instance, if a multifamily apartment complex is located in a rapidly growing neighborhood, its value could rise dramatically, yielding substantial profits upon sale. This dual benefit of cash flow and appreciation makes commercial real estate a compelling option for investors looking to build wealth over time.
Investing in cash flow commercial properties in Canada comes with various tax advantages that can enhance your overall return on investment. For instance, property owners can often deduct expenses related to property management, maintenance, and mortgage interest from their taxable income. This can lead to significant tax savings, further increasing your cash flow.
Additionally, Canadian investors can take advantage of depreciation benefits. By depreciating the value of the building over time, investors can offset income generated from the property, resulting in a lower taxable income. This strategy allows you to retain more of your earnings and reinvest them into additional properties or improvements, compounding your wealth-building potential.
Cash flow commercial properties also offer diversification, which is crucial for mitigating investment risk. By adding different types of properties—such as multifamily apartments, retail strip malls, and office spaces—to your portfolio, you can reduce the impact of market fluctuations on your overall investment performance. For instance, if the retail sector experiences a downturn, your multifamily properties can continue to generate income, balancing out any potential losses. This diversification creates a more resilient investment strategy, protecting your capital and cash flow in varying market conditions. Moreover, the stability provided by longterm leases further reduces risk, as tenants are often locked into contracts for several years.
Investing in cash flow commercial properties allows you to build equity over time, further contributing to your financial stability. As you pay down the mortgage on the property, your equity increases, which can be leveraged for future investments or used to secure loans for additional properties. This equity-building aspect of real estate is one of the key reasons why many investors turn to cash flow properties as a means to create long-term wealth. For example, as a multifamily property generates consistent cash flow and appreciates in value, you can refinance to access that equity for other investments. This strategy enables you to expand your real estate portfolio while maintaining a healthy cash flow.
Investing in cash flow commercial properties in Canada, including multifamily apartments and net lease strip malls, offers numerous benefits for investors seeking financial security and growth. With steady income generation, potential for appreciation, tax advantages, diversification, and equity building, these properties present an attractive opportunity for those looking to build wealth in the real estate market.
As with any investment, it’s essential to conduct thorough research and seek expert guidance to maximize your success. By understanding the benefits of cash flow commercial properties and strategically integrating them into your investment portfolio, you can achieve a stable financial future while enjoying the rewards of a thriving real estate market.
RINA Gill
In the fast-paced world of real estate, personal branding has evolved from a luxury to an essential component of success. Whether you’re a seasoned professional or just starting out, how you present yourself to clients can make all the difference in building trust, closing deals, and cultivating long-term relationships. Personal branding goes beyond just marketing your services—it is about establishing a reputation that authentically reflects who you are and what you bring to the table.
This article explores why personal branding is essential for realtors and how strategically developing a brand that resonates with your audience can set you apart from the competition, and drives real results.
In real estate, your reputation is your most valuable asset. Clients rely on your expertise to navigate one of the most significant financial decisions of their lives, and they need to feel confident in your ability to deliver. This is where personal branding plays a critical role. It’s not just about selling houses—it’s about selling trust, professionalism, and integrity. Your brand is the story you tell the world about who you are as a realtor and why clients should choose you over others.
Build trust and credibility: When clients feel like they know who you are and what you stand for, they’re more likely to trust you with their home-buying or selling process.
Your personal brand gives them a sense of your character, values, and expertise, making it easier for them to connect with you.
Differentiate yourself in a crowded market: Real estate is a highly competitive industry, and it’s easy to get lost in a sea of agents all offering similar services. Personal branding helps you stand out by highlighting your unique strengths, whether it’s your deep local market knowledge, a personalized approach, or a niche area of expertise.
Foster long-term client relationships: A consistent personal brand creates loyalty. When you deliver on the promises your brand makes, clients remember you and are more likely to refer you to others or return for future real estate needs.
Building a strong personal brand is not just about creating a logo or slogan. It requires a thoughtful, strategic approach that aligns with your goals and reflects who you are as a professional. For realtors, this is particularly important because your brand needs to communicate more than just your services—it needs to capture your personality, ethics, and the value you bring to your clients’ experiences.
At Hype Ad Agency, we understand that real estate is as much about relationships as it is about transactions. Our approach to personal branding is rooted in the belief that your brand should be an authentic representation of who you are as a professional and what makes you stand out in the market. We work closely with you to uncover your core values, strengths, and areas of expertise, crafting a brand that not only attracts clients but also fosters lasting trust.
Brand discovery and positioning: We start by getting to know you and your goals. Whether you want to become known as the go-to agent for luxury properties or focus on first-time homebuyers, we help position you in a way that aligns with your vision and resonates with your audience.
Consistent messaging: A successful personal brand is consistent across all platforms—whether it’s your
website, social media, or in-person interactions. We ensure that your messaging reflects your expertise and personal style, building recognition and trust over time. Digital strategy: In today’s market, your online presence is crucial. We help you develop a digital strategy that highlights your personal brand through social media, targeted content, and SEO-optimized websites. This ensures that potential clients find you, learn about you, and trust you before they ever pick up the phone.
One of the most important aspects of personal branding, especially for realtors, is authenticity. Buyers and sellers aren’t just looking for someone who can get the job done—they’re looking for someone they can trust and relate to. Authenticity builds a connection that lasts long after a deal is closed.
An authentic personal brand doesn’t happen overnight. It requires ongoing reflection and a genuine commitment to providing value to your clients. At Hype Ad Agency, we help realtors create brands that grow with them, reflecting their evolving expertise and staying relevant in a dynamic market.
The impact of a well-crafted personal brand goes far beyond initial impressions. It’s an investment in your long-term success as a real estate professional. When clients know and trust your brand, they are more likely to refer you to others, come back for future transactions, and view you as an expert in your field. This translates into a steady stream of business built on reputation rather than cold calls or transactional marketing.
Partnering with Hype Ad Agency means you’re not just creating a brand for today—you’re building a reputation that will carry you through every stage of your career. Whether you’re looking to establish yourself as a top agent in your community or expand your presence in a broader market, we’re here to help you craft a brand that delivers lasting results.
Overall, personal branding is an essential tool for any realtor looking to stand out, build trust, and create lasting client relationships. By partnering with Hype Ad Agency, you can strategically develop a brand that aligns with your strengths, resonates with your audience, and positions you for long-term success in a competitive market.
I was born in Leicestershire, England to working class parents who had recently immigrated from a dusty village in Punjab, India. Their experiences were crucial to my later thinking about how one can be meaningfully engaged in society, as one should. I started down this path at the age of ten months when I pounded my fist on the table to quell a raucous meeting. My father quickly surrendered the chairing of the meeting to me. As a teenager my father illicitly relayed food to freedom fighters in the struggle against imperial Britain. My mother may very well be related to one of the great revolutionaries, Bhagat Singh. Their stories of struggle for self-rule that I heard at a very young age created a lifelong desire to stand up against injustice everywhere. They also challenged me to dwell on what markers of democracy I expected in a civil society that valued all peoples regardless of caste, creed and gender and how the playing field could be leveled to provide equal opportunities for all. In England my father, bereft of a formal education but was a student at night school while working in a foundry during the day, was very active in the anti-apartheid movement. My father often spoke to small gatherings of progressive people. So as a kid, I met visitors from Nelson Mandela’s legal team. I was also introduced to the plight of other minority groups. My father railed against all pernicious forms of discrimination-especially casteism. Also, an important influence in my formative years was my maternal uncle, my mother’s eldest brother out of six siblings. He was a learned man, a teacher, and someone who displayed a love of learning, which I have also carried with me. His three children, my first cousins, were also instrumental in my young life.
They instilled in me a love of academics, the pursuit of knowledge, the arts and literature, music and sports. Although the teams I ended up supporting at that time invariably lost, but the important lesson I learned was to enter the boxing ring, to paraphrase Teddy Roosevelt, and get bloodied; to show up in life and not remain a spectator in other people’s lives, or conversely have them determine how my life should be.
All of these concepts were all quite abstract and did not really animate me until I entered university at Queens, where I became a student activist while pursuing studies of history, religion and politics. Paradoxically I inherited business acumen from my father who ventured into many different enterprises throughout his life, having the poignant knack of buying high and selling low. The experiences of my father enabled me to appreciate the importance of creating wealth and respecting the toll entrepreneurs have to endure to meet a payroll. He taught me the value of dreaming big. He was one of the first South Asians to enter political life here in Canada when he immigrated in 1974, buoyed by the hope and opportunity that Canada represented under the statesman leadership of Pierre Elliot Trudeau. My father ran for elections in municipal politics, and provincial politics while, often simultaneously, undertaking curious ventures. For example, he and business partner Channi Dhir were the promoters who introduced Canada to Amar Singh Chamkila and Amarjot Kaur Chamkila. (I had the dubious distinction of being their chauffeur for a week). At the age of 50 my father completed his MBA after graduating with a BA in the preceding years. Although I was the first one in our immediate family to attend a university.
Law to me was never a means to securing wealth, although financial security has been important in light of my upbringing from working class offshoots
to the chagrin of my cricket coach in England left for the “colonies” at the age of thirteen. I applied myself assiduously and loved going to school. I was fortunate to be bestowed with an award for excellence in sports and academics and a scholarship to Queens University, where I studied history. It was there that I met some remarkable individuals who turned my worldview from that of a conservative young lad with what now seemed to be far right nativist views on social issues to someone who became, and still is, a progressive thinker. By nature and temperament, I disdain extremes and look to broker differences, be it political or legal. I have been taught to eschew simple black and white answers which I find the political right and the left brandish very quickly. My understanding of history and literature (I am an avid reader and traveler) allow me to wade through difficult social contexts in order to understand what appear to be mutually irreconcilable viewpoints. This temperament and drafting countless constitutions for my father for his numerous non-profits presaged my entering into the law. In my mind there was no question that I was going to be a lawyer. At Queens I was active in student politics, becoming president of my year and a student senator. I thrived in an atmosphere that fostered discussion and debate, which I attribute to my Sikh heritage, especially the philosophy of the first great Teacher, Guru Nanak Dev, who famously questioned prevailing orthodoxies from a young age.
All of this is to say that I grew up, despite humble origins, as someone who was taught to value education, to study hard, and to enjoy all that life had to offer. According to my mother I was a clever lad. I received a scholarship to St. Andrews’s College, a prestigious boarding school here in Canada and
Law to me was never a means to securing wealth, although financial security has been important in light of my upbringing from working class offshoots. As soon as I was called to the Bar in the early 90’s I was very active in the public dialogue surrounding what was then called Employment Equity- often confused with the American concept of Affirmative Action. I was involved in a couple of non-profit advocacy groups such as the Peel Multicultural Council (PMC) that were broad based umbrella groups representing the interests of diverse communities- at that time, people of Italian, Persian, Punjabi and Afro-Caribbean descent.
We were fortunate in being able to give strong leadership to diverse communities thus creating effective lobby groups and giving a voice to those people traditionally ignored by mainstream politicians. We sought to educate the public about the value and benefits of diversity; encouraging public institutions to include performance reviews that rewarded leadership in this area; and developing cultural competencies to achieve greater diversity and inclusion. We pointed to studies that showed the limited hiring, mentoring and promotion of more diverse members; and, most importantly, we asked for benchmarking progress in building a diverse and inclusive organization by leveraging measurement tools and processes, which are transparent and measurable. I was recognized for my advocacy work by the PMC and the South Asian Teachers Organization. In 1992, after practicing for 2 years, I was fortunate enough to participate in the political process as a candidate for a political party. Though I was not successful, my campaign was one of the first in the South Asian community to be run on a professional level and garnered the attention of the media. I nevertheless gained enough experience that subsequently I have been counsel to numerous successful politicians at the federal and provincial level. I was appointed by the province to be on the board of The Peel Regional Services Police Board, where I was able to participate in important discussions on the use of tasers, equity and diversity and inclusion initiatives, as well as to comment on budgetary matters and human rights issues- all matters that I found intellectually rewarding.
I’ve always seen law as an important tool in restraining the exercise of unprincipled power and wealth. Life is complex and I see no easy solutions to political problems. Studying history conveyed to me the importance of understanding the nuances and to resist making facile historical judgments. Knowledge of the rule of law remains a compelling tool to harness and understand the complexities of the world we live in. More importantly for my own temperament, the law encourages lifelong learning and fosters a spirit of curiosity– all of which allows me to explore the wonders of the world. I remain an idealist and strive to attain that which ought to be done instead of that which is currently done.
I articled in a Bay Street boutique firm that was known for prowess in real estate, municipal and condominium law. This was in the heady days of the late 80’s when markets were flourishing. However, I had the misfortune of being called to the Bar as the markets crashed and as the recession began in 1990. For the first five years of my career, I worked in a medium sized firm in Mississauga. During my articles, our firm was asked to write a book on condominium law and I was assigned a chapter on non-profit housing. Little did I know that after the recession the only construction that really occurred was in the non-profit sector and quickly, I became a subject matter expert. I found that the firm I was in could not cater to the burgeoning area of law in which I was practicing. Also, at that time I had the good fortune of engaging in personal development courses that significantly influenced my outlook on life. Based on concepts championed by M. Scott Peck (The Road Less Traveled), and Stephen Covey (The Seven Habits of Highly Effective People), I participated in a year-long program which challenged me to define my purpose in life, to live authentically in accordance with my self-identified core values and to chart my path to a fulfilling career. So, the decision to leave that firm and venture into RZCD was quite easy. I was joined by like-minded individuals who understood the need to practice the law at high levels of excellence but also to have a balanced life.
I am fortunate that I was attracted to individuals who also indulge a lot of my passions, be it in the pursuit of music, sports and culture. The changing economy in the late 1990’s and the flourishing of the South-Asian community was to my benefit since I was one of the first lawyers in the community to practice and understand corporatecommercial law. I was also one of few lawyers in Peel region that understood Condominium law which is essentially a confluence of corporate and real estate law. (Indeed such knowledge enabled me to be appointed external counsel to the City of Mississauga-handling real estate matters). I was able to help a lot of medium sized businesses achieve their goals, which has been rather satisfying, though I have also seen the perils of rapid overexpansion and improper management policies, which have led to the downfall of some of my clients over the last thirty years. My ability to both attract clients and to service their aspirations through a high level of professionalism has helped me garner a senior role at RZCD Law Firm where I head the commercial real estate department. Clients look to lawyers to provide leadership not only in undertaking their transactions but to provide sound practical solutions. As a transaction lawyer I’ve learned to manage expectations of clients, to communicate effectively what my expectations are, and at the same time to let my clients know what I see as the challenges in a transaction and who the other professionals are that can be brought to the table.
A deal is signed; a deposit is given; there is a due diligence period that has to be waived; and once waived the deal has to be closed usually within 30 to 60 days. And yet the lawyer has not been contacted
until after the deal has been signed- a scenario that I have often encountered with great dread. I cannot stress enough how important it is to seek the advice of a lawyer before an agreement is drafted. Often clients come to me at too late a stage in the deal flow. It’s always easier (and more cost effective) to help clients negotiate their agreements in conjunction with realtors from the conception of the deal (perhaps by first entering into a letter of intent) as opposed to fait accompli of an already signed agreement that is then difficult to unwind. Then one is left scrambling to undertake the due diligence in a timely fashion.
A properly crafted agreement needs to address a myriad of issues that left unaddressed can lead to problems. Is the due diligence period long enough to conduct requisite searches and review material contracts. Have sufficient and meaningful representations and warranties (promises) from the vendor been inserted in the agreement; the breach of which will allow the purchaser to pursue a claim in damages or allow the purchaser to walk away from the deal risk free. If not, then buyer beware. These representations help to mitigate risk. For example, is the vendor required to disclose the existence of a letter advising of a pending expropriation or a change in zoning that it has received. Arguably not if they are not identified in the agreement.
A client needs to know if the disclosed materials are all the material contracts and financial statements or are there leases and contracts that have not been disclosed; the existence of which will materially and adversely affect a true appraisal of the purchased asset. The agreement should provide for the disclosure of all material documents (past plans, property condition reports and appraisals, for example) pertinent to assessing the value of the purchased asset and to facilitating a meaningful due diligence. Has an allocation of purchase price clause been included in the offer. Allocating more of the purchase price to the building rather than land allows for greater depreciation. And the amount of land transfer tax payable can be reduced through a properly drafted allocation clause. Can the agreement entered into by the purchaser in trust for a company to be incorporated be assigned to a newly incorporated company with the original purchaser being removed from all liability once the deal closes. If not, is there a danger that if the deal does not close because of the default of the purchaser (insufficient funds, for example) then the purchaser may be sued personally. If the company that is the trustee purchaser has substantial assets, then those assets are also at risk if it is sued for the new company’s failure to close. Does the agreement call for a reliance letter to be issued in favour of the purchaser so that the purchaser can claim against the author of the environmental report in the unfortunate event that the report has been negligently prepared and significant contamination is later discovered. All these aspects need to be carefully evaluated and addressed in the agreement of purchase and sale.
require adequate post-closing holdbacks. In a multi-unit purchase the form of estoppel letter to be signed by a tenant (confirming important aspects of the lease) needs to be vetted with the actual lease to ensure the tenant is compelled to provide all requisite information and not just what the vendor has inscribed on the certificate. It seems like a tired truism but truly no real estate transaction is the same. Complexities emerge as the searches come in-from cumbersome Planning Act contraventions, to estate conveyancing challenges to gaps in corporate title of predecessor vendors. The list is endless. Compiling checklists based on the law as it evolves and communicating them to clients so that they understand the transaction goes a long way to muting unrealistic expectations and decreasing the potential for misunderstanding with clients. Early, effective, clear communication is key.
The first thing that I tell junior lawyers is to understand why the client is entering the deal and why is it good for the client. Where is the money coming from? Is it enough?
Often overlooked is whether the vendor has an obligation to rectify outstanding work orders or to close open building permits. Based on the standard language of preprinted real estate forms, the answer is no. I try to negotiate an unequivocal duty of the vendor to do so; at the very least to
Early preparation is extremely important. Understand the crux of a transaction. Prepare your checklists early. Begin with the end in mind. Prepare your statement of critical dates and closing agenda and review with the team as early as possible. These reduce the chances of omitting searches and not meeting milestones in the transaction. The first thing that I tell junior lawyers is to understand why the client is entering the deal and why is it good for the client. Where is the money coming from? Is it enough? In a hotel transaction, will clients have enough cash flow once the deal has closed to sustain operations in the first year and during the ramp up period in a new built hotel. Has an employment lawyer reviewed obligations under the Collective Agreement. Can the vendor be prevented from competing across the road once the deal is closed through an enforceable noncompetition agreement. Will lenders allow the assumption of so much debt if there are deferred payments (VTB’s) as part of the purchase price.
For mall purchases will raising equity through different corporate vehicles such as limited partnerships or co-tenancies allow the client to drive the deal or will s/he be satisfied in taking a lesser role with lesser profits. Do the anchor tenants have restrictive covenants in their leases that prohibit leasing to other tenants? Is parking sufficient? Are there blanket easements which limit future construction or conveyance of a portion of the lands to future purchasers? Should title be held in multiple entities so that portions of the land and certain assets can be sold in the future on a tax efficient basis? Has a shareholder’s agreement been entered into prior to closing the deal? If not, then negotiating one later when relationships become strained may not be possible. With new clients who are developing for the first time, do they understand the planning process and can they carry the costs during construction over a protracted period of time? Are developers conveying exclusive uses in sales of commercial condo units that are poorly described and thus cause multiple purchasers to have overlapping uses? (a common danger in the sale of units in these type of projects).
And so the risks abound- each peculiar to the different forms of real estate deal (whether of a hotel, multi- unit building or mall). Sometimes my job is to put the brakes on; to prevent the client from taking unwarranted risks due to their emotional attachment to the deal when an impartial observer would walk away from the deal. But mostly it is to effect creative solutions to bring the closing to fruition.
All this means having initial discussions with the client’s accountants and tax advisors and in some cases, architects and planners so that when conditions have to be waived, the client is assured that the deal can be closed without any legal impediments. It also means that one has to know when professionals with particular expertise, specifically tax or environmental lawyers, need to be consulted. This being said, I loathe to have my clients think I am dictating the business essence of the deal. That comes from the accountants and the bankersthe ones with the business acumen. And most importantly the clients-they know their industry; they are the intrepid risk takers. Their success is based on how accurately they assess the risks from a business viewpoint. We are like technicians! With clients undertaking new ventures, for example in the condominium development field, I can add value by ensuring the client has an effective team: the architect, the planner, the property manager, the environmental engineer and the contractor. I can ensure that precise and valid questions are asked of these professionals. Most importantly, together with the planner I can help new developers understand timelines in the development process and to establish realistic milestones.
I’ve been fortunate in participating in some fascinating transactions. For nearly three years, I was involved with the purchase of a rather large hotel in the vicinity of the Lester B Pearson airport. There were numerous twists and turns with the acquisition document morphing from a purchase of debt from a receiver to an asset purchase to a share purchase and then to a joint venture. Where originally I was representing one client from the GTA I ended up representing a syndicate which included Steven Stavros, who at that time was the head of Knob Hills Farm-a very large conglomerate of grocery stores. (The grocery magnate would often come to meetings with notes written on a napkin!). Other members of the syndicate included a brilliant former investment banker based in Paris, France and a seasoned hotelier from Phoenix, Arizona. The vendor was based in Hong Kong. Fortunately, emails were in vogue (but not zoom calls). In negotiating the agreement of purchase and sale with the vendor’s solicitors, I had to be extremely prepared as I was negotiating with one of the most esteemed business lawyers in the Toronto legal community. I overcame my trepidation by vigorously reviewing the law and I also researched the other lawyer. I tried to establish a rapport with him from the outset. While lawyers must represent the best interests of their clients this does not mean that they have to be combative. I have found that good transaction lawyers understand this very important human element and don’t let egos (pride of authorship of a document or purported superior knowledge of the law) obstruct bringing a transaction to successful fruition. He turned out to be an exemplar of the legal profession- an absolute consummate professional from whom I learned so much about corporate finance and a myriad of deal documents.
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Preparing for the borrowing aspect of the deal (the lender was a specialty bank in Germany) required generating reams of documents very quickly; sometimes dauntingly so for a relatively small sized firm like ours. The transaction was reported in the Financial Times. Unfortunately, it did not end well for the client, but that’s another story.
I was also fortunate enough to participate in important Charter of Rights litigation through my passion for public interest cases. Active in the PMC I waded into the very important discussions about equity and diversity. But I learned during that process that one of the most marginalized groups that was not being effectively represented by advocacy groups was a group from which I hailed, the Sikh community. Especially when Baltej Singh Dhillon was subjected to public scorn for desiring to wear his turban as a member of the RCMP in light of a very uninformed knowledge of Sikhi and Canadian history (there are letters from Sir John A. Macdonald lamenting the absence of Sikh regiments in what later became the RCMP). This brought to mind Mahatma Gandhi’s wisdom that a truly civilized society is one that attends to the rights of the most marginalized and different in society. I became involved in establishing the rights of Khalsa Sikhs to wear their Kirpan to school. This involved extensive historical research of the genesis of the Sikh articles of faith and Sikh philosophy and religion- knowledge that has stayed with me and enabled me to understand and hopefully explicate a misunderstood tradition. In the early 2000s, Pardeep Singh Nagra, an old friend of mind and a talented athlete, was denied the right to compete in the qualifying rounds for the Canadian Olympic boxing team because he donned his articles of faith including keeping his facial hair untrimmed. We took on the Canadian Boxing Association and won in what was a landmark and highly publicized case, but there was high drama the morning of the day in Court. Pardeep had to fight his round around in the early afternoon which meant that he had to be weighed in around noon BC time. My partners Jim Smith and Chris Leafloor raised novel arguments and were able to get a favorable decision in Toronto around 10 am. I immediately faxed the decision to the Boxing Association and asked to speak to their lawyers in order to have their client respect the decision. I was told that the Association would consider the ruling. Rather than respect the decision of the Court to allow Pardeep to box immediately, the Boxing Association callously canceled all bouts in his division (light flyweight). What was a local incident now became a national and international one. Pardeep eventually was allowed to fight but he lost against a formidable Canadian champion. Incidentally, there was a movie made regarding the whole incident; Tiger (2018) featuring Oscar winner Mickey Rourke. I must say Jannel Parrish, the person portraying me and my fellow lawyers, looked considerably more appealing on screen than I would have!
Clients
generally absolve themselves
of details about how the deal is going to be completed. They are anxious to close. This is where I come in and often what I do is quite technical and not easily understood by the lay person.
What
are the critical due diligence steps in a commercial real estate deal, and how can clients ensure that they are thoroughly conducted?
Clients generally absolve themselves of details about how the deal is going to be completed. They are anxious to close. This is where I come in and often what I do is quite technical and not easily understood by the lay person. However, it’s good practice to educate clients though simple to understand summaries about the due diligence procedure so that they ask relevant questions when structuring the deal. In my practice, off-title searches revolving around work orders, planning matters, labor and employment standards, are all very important and must be conducted on a timely basis. Again, checklists are key. In the first few hours of reviewing the agreement I will send my client a precis of the agreement and indicate what searches are required and who will do them. I will also send a summary of critical dates in order to establish milestones. The client will have to commission geotechnical and environmental reports to ensure that the soil has proper load bearing capacity when a new building is being built and that it is not contaminated. Appraisers will ascertain the value of the land and building to mollify the all important lenders. Planners will have to analyze zoning bylaws to ensure that the land is satisfactorily zoned for its intended use. These are all critical components of due diligence.
I review easements with clients so they understand and appreciate the full extent of how the land is encumbered and to what extent it can be developed. I review leases to assess whether the leases afford the landlord/purchaser adequate remedies in the event of default by the tenant or are of sufficient duration to ensure a good stream of income. I review off-title searches to ensure, for example, there are no work orders that have been issued in respect of matters as varied as site plan agreements, repair and maintenance of elevators and transformers and a myriad of other matters. Before the expiry of the due diligence period, I will review all these aspects with the client to confirm whether conditions should be waived or not.
If clients have consulted me first, then I can draft dispute resolution mechanisms in an agreement; detailing how to and when to avail mediation or arbitration (although the latter is becoming extremely expensive). One cannot anticipate what skill sets a judge will have when he or she ponders over a complicated matter involving an abstruse point of real estate law when their practice revolved around matrimonial matters before their appointment to the bench! A thorough knowledge of the client’s remedies once the transaction unravels is critical in resolving disputes in commercial real estate. Often out of a sense of optimism clients overestimate the amount of damages that can be rewarded. A well-structured agreement will convey how and when remedies can be exercised. The participation of a seasoned litigation lawyer who is a capable mediator is also an effective tool for resolving disputes. Disputes are often settled when clients realize the uncertainties of how a judge may react and the delays of getting a decision mean that one should come up with a number that quickly disposes of a dispute. Oftentimes, the role of a lawyer is to put the brakes on a client’s unrealistic expectations and ground them in reality. As mentioned earlier, establishing rapport with lawyers for the other party can assist in establishing a framework for dispute resolution. Generally, they too would prefer a quick resolution than a protracted one.
From the onset of a transaction, I advise clients that I am not a business analyst and I am not offering advice as to whether or not the transaction makes commercial sense. This I leave to the accountants and business advisors who I often consult with in conjunction with the client at the beginning of a transaction.
I’m very careful to demarcate boundaries so that each professional can give advice for which they are retained. That being said, a good knowledge of corporate vehicles and the benefits of tax efficient entities; such as family trusts, cotenancies, partnerships and special purpose companies is important. Tax implications of a share as opposed to asset purchase and taking advantage of rollovers need to be discussed with tax advisors.
Can you share any initiatives or programs that you’ve been involved with, both personally and professionally, to give back to the community?
My father often impressed on me the core Sikh tenets as meditating on the essence of the One True Reality, working honestly and without being mired in consumerism; and sharing one’s wealth with others (naam japo, kirat karo, vand chhako). He also counseled me to not lose sight of the plight of the less fortunate in society - the ones not powerful enough to bend the ears of those that affect their livelihoods. He taught me to take a stand based on convictions and not convenience - no matter how difficult that may be and no matter if it would lead to social disapproval. Above all, he stressed Sarbat da bhala- service of all people from all backgrounds without discrimination. One of the things I’ve learned from the beginning of my career, especially during that phase where I undertook the personal development courses, was to ensure that I was able to contribute to community initiatives. I learned to schedule meetings with community organizations in the middle of a very busy professional schedule. That way I would treat a commitment to community initiatives no differently than a commitment to undertaking work for a client’s file. In the early years I set up many non-profits: the first kabbadi organization, a social housing project for a Gurudwara; a lawyers’ group. I have now developed considerable experience in corporate governance. I can provide this advice pro bono (I think of this as my maan or application of one’s talents) to non-profits. I encourage all my
team to dedicate some time to pro bono work. In fact, I am pleased that one of ( a non profit catering to the needs of international students in crisis) the initiatives that I have helped Sukhmani Haven, a non profit caring catering to the needs of international students in crisis, develop is the Sukhmani Pledge - encouraging lawyers to provide 5 hours of pro bono advice each month to deserving international students. The program is already reaping rewards-something most gratifying.
In every year that I have practiced commencing in 1990 I cannot think of a time when I was not involved in some community initiative (be it social housing, appearing before the CRTC while advocating for diversity in broadcasting, making presentations on policing, helping found the South Asian Lawyers Association and the Sikh Centennial Foundation, to list a few). They have kept me aware of the truth that life exists beyond the law-no matter how much the law continually stays in the head. Over the last three decades I have had the privilege of championing social housing projectshaving chaired one myself. The very first one involved convincing the Peel Multicultural Council (of which I was an executive member) to undertake a separate non-profit housing project. Our intention was to create a one stop social hub for integrating newcomers into the Canadian way of life while providing decent housing by way of ESL and citizenship programs, resume writing workshops and mentoring opportunities. In what was perhaps one of the most rewarding experiences for me, when a young summer student at our firm came to me in a splendid turban and asked me if I recognized him. When I said I did not, he reminded me that he was one of the young kids who spoke when I spoke at the inauguration of that non-profit housing project. He said that their parents were new to the country and that the housing project enabled them to set their roots firmly in Canada, and fifteen years later, here was a young man well on his way to becoming a lawyer and becoming a productive member of society.
I have also been involved in establishing long standing community organizations that have provided leadership to the community, producing important educational material in the process-organizations such as the Sikh Centennial Foundation, now the Sikh Foundation, which strives to promote an understanding of the Sikh way of life, its history, culture and tradition, and honors excellence in the community - in a way that avoids ethnic chest beating (we are not better than anyone but just as good is the desired message) and promotes the important idea that all Humanity is One. Again, this is a tribute to my father’s emphasis when I was young on exposing me to peoples of all different backgrounds and socio-economic status. Currently I’m involved with two initiatives that I’m particularly invested in. One provides relief to international students who find themselves in crisisusually young girls who are destitute because they have not been given the straight bill of goods by agents in India as to what life in Canada would entail, especially from a financial perspective. Their parents are typically of humble backgrounds; having to sell-off half of their lands to finance the fees and some part of the education of their daughters. These students often find themselves having to make difficult decisions, which often lead them being left on the streets or to being exploited by employers, landlords and those in the sex trade. Some of the decisions I and my fellow directors have to make are the toughest I have ever had to make in a nonprofit. My empathetic self is stretched to the limits as we often have to reject applications of deserving women due to limited space. Sukhmani Haven has been in existence for over two years and has so far reached its targets.
Through fundraising in the community, we have been able to rent a house in which young women are housed, fed and provided mentoring- all free. We engage in advocacy work to address issues of exploitation and to challenge the community as to why this is happening and how it can be prevented. The nonprofit will only expand in the years to come. I am buoyed with great expectations as to where this organization will lead and am very fortunate to be working with very principled and dedicated volunteers.
Perhaps at the different end of the socio-economic spectrum, I’m involved with an initiative to establish the first permanent gallery of Sikh Art at the Royal Ontario Museum. The project allows me to indulge my passion for the arts and history. The creative element of the mind that explores and expresses truth, beauty and the essence of our existence- in other words Art- has always been at the center of the Sikh tradition. Artists by their very nature stimulate critical dialogue.
I’m particularly attracted by the camaraderie among the lawyers with whom I work. There have been many occasions in my professional life where I could have been a sole practitioner, perhaps making more money, but being in the company of like-minded individuals who are people of great character is incredibly rewarding.
They raise important issues that people are often afraid to ask. Artists explicate the values of a people. The Gallery, which required fundraising of $25 million, principally from members of the Sikh community, but also from non-Sikhs, will presage a greater understanding of the Sikh way of life at one of the most important museums in Canada and one of the leading cultural institutions in the world. The initiative is one of the Sikh Foundation, of which I’m presently a board member. I envision in the future that the organization will leave a compelling legacy to the next generation and will serve as an incubation tool for future leaders. We aim to create mentoring programs, chairs of Sikh studies throughout Canada, scholarships for deserving students, a speakers series and a litany of other projects over the next three years. Again, I’m very fortunate to be in the company of inspiring and dedicated leaders.
It is important that closings be undertaken with client front and centre in my mind: that I communicate clearly and often that their files matter-that they are people and not just another file number. It is also important that I maintain my integrity and not accede to client demands that detract from my professional obligations. Ethics matter. So does respect for the lawyers representing the other party. I take pride in crafting documents that affect the client’s intentions in economical and effective language. This is my stock in trade which I have nurtured for almost 35 years. It is the culmination of a personal dedication to learning the law and interweaving it with experiential learning. Closings can be challenging as transactions are scheduled to close after months of work-of reviewing search results with clients and drafting documents in conjunction with the other lawyers. Some closings can be exceptionally stressful-usually due to last minute complications. This is when one has to have their wits about them. The satisfaction of closing a transaction in accordance with all the documents on the closing agenda is therefore about as thrilling as drinking a cold mojito on a hot summer’s day. It means all has gone according to plan; that clients can start to realize their dreams. Celebrating a closing over a splendid meal with my team can be just as exhilarating.
I also revel in the collegiality generated with opposing lawyers over a transaction that sometimes takes six months; knowing that our objective is to close the deal with a minimum of tension.
As already indicated, helping people to fulfill their aspirations in establishing businesses or creating viable condominium projects is immensely rewarding, especially when the next generations are involved. It is not just a matter of ensuring that the transaction closes in a timely manner, but also, especially in the condominium field, that the developer clients are held in high esteem by purchasers and the business community for the community or service that they have created.
But there are other joys: a note from a client stating “job well done.” I keep these in my drawer and look at them periodically. At times they can be as rewarding as having an overdue account being paid. I also enjoy answering calls from junior lawyers outside of the firm who look to me for advice.
I’m particularly attracted by the camaraderie among the lawyers with whom I work. There have been many occasions in my professional life where I could have been a sole practitioner, perhaps making more money, but being in the company of like-minded individuals who are people of great character is incredibly rewarding. That being said, having young lawyers that I have trained turn out to be stellar lawyers and people of fine mettle leaves me with a proverbial smile on my face. Especially when they end up in some of the more prestigious firms in Toronto.
Recently, working with lawyers who have taken the Sukhmani Pledge has been especially gratifying. Some have helped clients successfully defend criminal charges against them. I still pound the air with ecstasy when justice is done. As cliché as that word “justice” may seem but as a lawyer I know how sometimes the odds can be stacked against a defendant-especially a criminal or civil defendant who is new to this country. The state has ample resources, witnesses forget important details with the passage of time, cases can drag on and judges can often be relatively oblivious to certain cultural realities. In one case a student was sued civilly by a well healed professional. He also caused criminal charges to be laid against the student. Our team of Sukhmani lawyers, some in my firm, were able to successfully resist all charges- both civil and criminal. How wonderful!
How do you manage a work-life balance in such a demanding profession?
Life is what happens to you while you’re busy making other plans, said John Lennon prophetically before his death. Early in my career I decided that I better have a plan for my life besides the law. Things haven’t always gone to plan; far from it. But I am filled with deep gratitude for all that has gone well, and that it has in spades.
The law never leaves my head but it doesn’t control my being. I can compartmentalize quite well. I have a deep conviction and confidence after years of honing my craft that the work will get done on time no matter how daunting the timelines may initially seem. But I know that I feel truly alive when I explore new countries; when I’m in foreign bazaars steeped in history, from which wonderful aromas emanate and that beckon the opening of the doors to the past. A past that makes one realize that every group has had their day in the sun, no matter how little acknowledged that group may be today due to how historical narratives have been written and taught. And I know that this strong inner curiosity needs to be constantly satisfied.
A lot of my personal habits and strong capacity for hard work was cultivated at St. Andrew’s with its focus on creating the well-rounded individual; infused with humanist ideals. Also, at the beginning of my career, I undertook the personal development course to which I alluded earlier in this interview and took many of the points to heart. I try to take care of the fundamentals: nurturing my soul through daily mediation (the Divinity is within); keeping healthy (regular exercise and sleeping 7 to 8 hours), eating well (intermittent fasting with low carbs), challenging myself to get out of my comfort zone (I had a debilitating fear of heights 30 years ago; I recently hiked the Andes over 4 days with limited apprehension about the altitude); maintaining friendships and remaining close to family.
I have made a habit of doing what I perceive to be the most difficult tasks first thing when I start my day, which usually means a good 5 kilometers on the elliptical, and on a professional basis making those calls that I would have normally put off. All this is very energizing. I would like to think that procrastination is not part of my vocabulary.
I try to stay culturally relevant. I have a long list of books to read. They provide a lot of wisdom: Amrita Kaur Pritam, Professor Puran Singh, Rabindranath Tagore, Chekov and the Russian Masters, historical biographies, the great religious texts and the list goes on. When I travel, I try to immerse myself in the culture of the country. I will research the history and arts scene. I will read books by the indigenous authors on the plane. I cherish visiting museums (fortunately I live close to the McMichael Gallery-I have been a fan of the Group of Seven ever since moving to Canada 50 years ago). I have a concert buddy with whom i enjoy attending musical events (from Springsteen to Andre 3000-I have yet to introduce him to Diljit Dosanjh). All this fulfills my insatiable curiosity and ensures that my everyday vocabulary does not remain constrained by legal jargon. I’ve learned to make time for those adventures and pursue passions that I cherished as a kid (last year visiting the pyramids after being inspired by a trip to see King Tutankhamun when I was 10; hiking the Andes after hearing about the Incas in a class when I was 8); a love of sports, a love of music and a love of travel. Starting the last few years, I try to travel every two months with the full knowledge that my team will be able to handle matters at the office and my clients can call me sparingly, knowing that I will answer only if required. Indeed my joy of exploration and travel does not fetter work commitments: I have literally negotiated deals in the alligator infested bayous of Louisiana while enjoying Mardi Gras celebrations or while completing my customs declaration at Mount Kilimanjaro airport. The trick is knowing that the team at the office is dedicated, has been effectively instructed and is trained splendidly to get things done (although rejuvenating and regenerating in distant Mayan jungles of Central America is a lot more appealing).
Where do you see yourself in the future?
If I were flippant, I would say standing on the highest branch of an Acacia tree in the Serengeti looking down and surveying the beauty all around me and hoping I don’t fall off and if I do that the pride of lions below has been overly satiated and would ignore my presence.
Travel will always be a top most priority. There are many places that harken back to days at university. I wrote papers on Islamic art and architecture. Trips to Andalusia have been planned. Southern Spain saw the flourishing of the golden age of Islam in areas of philosophy, anatomy and the sciences. People of the Book (Jews and Christians) were respected. Politics permitting, I will also explore the Silk Road, to visit great ancient centers of learning such as Bokhara in Uzbekistan and the medieval cities of Iran. I will visit the meandering, historic alleys of Lahore, Pakistan and reflect on how Maharaja Ranjit Singh melded different peoples together to truly create an Empire that was diverse and respected diversity. And so much the better if I can travel to the glorious peaks of the Hindu Kush mountains in the Himalayas.
Realistically there are still many years ahead in my professional career. I look forward to working with younger lawyers and carrying on their mentorship. I look forward to bringing to fruition
the projects of clients whom I have spent many years with and who have now acquired some financial prowess to engage in major projects. I look forward to developing the community organizations that I am with and mentoring the next generation of community leaders so that there is an element of successful succession planning. I look forward to the day when I can get in front of a crowd, wow them with a rendition of a Bruce Springsteen song on my guitar. I look forward to breaking 85 on the golf course. (But then one must always have goals that are lofty and difficult to obtain!). Above all I look forward to hiking fields of gold under azure skies with my beautiful and talented partner, Emily Kohlsmith.
Covid literally taught me to stop and smell the roses in more ways than one and enabled me to appreciate the beauty all around. It helped me nurture my spiritual self; grounding me in the humility of great learnings that speak of the Ultimate Reality suffusing itself in nature. It encouraged me to enhance my practice of being mindful (something with which I constantly struggle). I realized that our time on our planet is limited and that we have to be environmental stewards of this wonderful planet. I realized that we have to love ourselves and our neighbors. We are all interconnected as social beings. I hope to keep all these truths as my guiding stars. As long as I stay committed to learning and evolving as a person then there will be endless possibilities, and, dare I say, roads ahead.
“The woods are lovely, dark and deep, but I have promises to keep, and miles to go before I sleep, and miles to go before I sleep.”
-Robert Frost
Satwinder Gosal has been an exemplary example of professional and civic excellence for many years and has garnered the utmost respect within the industry. He has mentored countless young lawyers of South Asian descent, has consistently maintained strong community engagement, and has been a champion of social justice issues. Sat is a trailblazer and has played a significant role in setting the standard for legal practitioners within the South Asian community.
Manraj (Manny) Mukkar, former law student and associate of Sat Gosal
Landlord-tenant relationships in Ontario and across Canada are governed by various provincial laws, which aim to protect the rights of both landlords and tenants while ensuring that their responsibilities are clearly defined. Disputes between landlords and tenants are not uncommon and can arise from a variety of issues such as rent increases, property maintenance, lease violations, or eviction notices. Addressing these disputes effectively requires understanding the legal framework, communication strategies, and available resolution options.
In Ontario, the Residential Tenancies Act (RTA) governs the relationship between landlords and tenants. This legislation outlines the rights and responsibilities of each party, providing clear guidelines for issues such as rent control, maintenance obligations, security deposits, and eviction procedures. For instance, landlords must provide adequate notice for rent increases or evictions, while tenants have the right to live in a property that is safe and well-maintained. The Landlord and Tenant Board (LTB) is the administrative tribunal responsible for resolving disputes that arise under the RTA. Across Canada, each province has its own version of residential tenancy laws that reflect similar principles. For example, British Columbia operates under the Residential Tenancy Act, and Quebec follows the Civil Code of Quebec, which addresses lease agreements and tenant rights. Despite these regional variations, the core elements—such as dispute resolution mechanisms, protections against unfair rent increases, and eviction safeguards—remain consistent across the country.
1. Rent Disputes: One of the most common issues is disagreement over rent payments, increases, or arrears. In Ontario, landlords must adhere to annual rent increase guidelines set by the provincial government unless an exception applies. Disputes may arise if a tenant feels the increase is unjustified, or if the landlord believes the tenant is withholding rent without proper cause.
2. Maintenance and Repairs: Tenants have the right to live in a unit that meets health and safety standards. When landlords fail to make necessary repairs, tenants may withhold rent or file a complaint with the LTB. On the other hand, disputes also occur when tenants cause damage to the property or refuse to report issues promptly, resulting in costly repairs for landlords.
3.Evictions: Evictions can be contentious, particularly when tenants feel the reason for eviction is unfair. In Ontario, landlords must provide proper notice and adhere to legal grounds for eviction, such as nonpayment of rent, violation of lease terms, or requiring the unit for personal use. Tenants can challenge evictions at the LTB, leading to a resolution process that can extend over months.
4.Security Deposits and Lease Violations: Disagreements over the return of security deposits, or allegations that tenants have violated lease terms, are also frequent points of contention. In many provinces, security deposits are regulated by law, and withholding them without clear cause can lead to disputes that escalate to formal complaints.
When landlord-tenant disputes arise, it is crucial for both parties to explore options for resolution before escalating the matter to formal legal proceedings. Communication is the first step. Landlords and tenants should make every effort to discuss the issue openly, identifying possible compromises that satisfy both sides. Clear, respectful dialogue can often prevent misunderstandings from becoming larger disputes.
In Ontario, if communication fails, both landlords and tenants can turn to the Landlord and Tenant Board (LTB) for mediation or adjudication. The LTB offers a streamlined process for resolving disputes by issuing binding decisions based on evidence submitted by both parties. For less formal conflicts, the LTB’s mediation services can help facilitate agreements without the need for a hearing. The goal of these services is to resolve disputes efficiently while avoiding the time and expense associated with formal legal actions.
Similarly, other provinces have dispute resolution boards or similar bodies that function in much the same way. British Columbia’s Residential Tenancy Branch, for instance, provides both mediation and arbitration services, allowing disputes to be resolved outside the courtroom. Quebec’s Régie du logement serves a similar function, adjudicating disputes related to rent increases, lease violations, and maintenance issues.
In more severe or intractable disputes, landlords and tenants may need to seek legal advice. Consulting with a lawyer or paralegal who specializes in residential tenancy law can help clarify the rights of each party and the potential legal remedies available. Legal professionals can guide both landlords and tenants through the hearing process, help prepare the necessary documentation, and advocate on behalf of their clients.
Tenants who feel their rights have been violated can also seek assistance from tenant advocacy groups, which provide free legal advice and support throughout the dispute resolution process. Similarly, landlords can benefit from professional associations, such as the Federation of Rental Housing Providers of Ontario (FRPO), which offer resources and guidance on legal issues affecting property management.
Preventing disputes from arising in the first place is ideal for both landlords and tenants. Proper screening of tenants, clear and well-drafted lease agreements, and maintaining open lines of communication throughout the tenancy can help avoid misunderstandings. Landlords should keep records of all communications, repairs, and transactions with tenants to protect themselves in the event of a dispute.
In conclusion, landlord-tenant disputes in Ontario and across Canada are a common occurrence, but with the right approach, they can be resolved efficiently. By understanding the legal frameworks, utilizing dispute resolution mechanisms, and maintaining open communication, both parties can work toward fair outcomes. Whether you are a landlord or a tenant, knowing your rights and responsibilities is key to navigating these challenges and ensuring a harmonious rental relationship.
Isha represents homeowners, and businesses, ensuring that their real estate transactions - from residential purchases to large commercial dealings - are managed with accuracy and diligence.
In addition to her legal practice, Isha is dedicated to giving back through various community-focused volunteer efforts. She is actively involved in mentoring and regularly offers her time to assist newcomers, particularly international students, as they transition into the Canadian legal and business environment. Isha is also passionate about supporting local initiatives that promote community development and provide aid to those in need. As a member of various business networking organisations, she continues to share her expertise, helping others achieve their professional goals.
Drawing from years of experience and a commitment to providing practical, solution-oriented advice, Isha prides herself on being a trusted advisor, helping her clients navigate legal challenges efficiently while safeguarding their interests.
Isha Chhabda is a seasoned lawyer and the founder of Silvercloud Law, a boutique firm specializing in real estate law and business transactions. With a client-centric approach, Isha has built a reputation for providing expert legal advice in both residential and commercial real estate, as well as guiding private business owners through a wide range of legal matters, from acquisitions to corporate restructuring. Her practice is known for its comprehensive and detail-oriented service, making complex legal processes seamless for her clients. AREAS OF EXPERTISE
“This company stands above the rest - quick to respond and shows up on time. I had pot lights put throughout my second floor and was amazed at how efficiently the work was done. Hossein was able to make great suggestions regarding placement that I would have never thought of. I highly recommend Hossein and his crew, and won't hesitate to use them again for future projects.”
“Potlight
Manraj (Manny) Mukkar is an experienced lawyer and a partner in the Real Estate & Development Group at Cassels, a leading Canadian national law firm. Manny’s practice focuses on all aspects of commercial real estate law and general corporate matters in which he routinely acts on behalf of developers, vendors, purchasers, lenders, and borrowers on a broad range of complex commercial real estate transactions, with a particular concentration on acquisitions and dispositions of commercial properties, and commercial financing transactions involving all real estate asset classes.
Aside from managing a busy practice, Manny is active in the community contributing his time and experience by serving as a mentor to international students to help nurture their growth and assist with their transition into the Canadian legal market. Manny is also a member of his firm’s Inclusion & Diversity Committee and serves as co-chair of the Asian Affinity Group. He has also held various positions for the Sikh Foundation of Canada, a non-profit organization that seeks to promote Sikh history, arts, and culture.
Drawing from his substantial experience in a wide variety of transactional work, Manny prides himself on delivering professional, practical, and solution-driven advice which enables him to navigate complex legal issues to ensure the most optimal results for his clients.
��a�a� �� �ctober ��� ���� � ��e expected pace of interest rate c�ts �as c�an�ed dra�a�call� since t�e Canadian �eal �state �ssocia�on �C���� p�blis�ed its s���er forecast for �o�e sales ac��it� and a�era�e �o�e prices �ia ��l�ple �is�n� �er�ice� ������ ��ste�s of Canadian real estate boards and associa�ons for ���� and �����
Markets now expect the Bank of Canada to get back to a "neutral" rate by some�me next spring or summer, as opposed to the mul��year path an�cipated back in �uly.
CREA's previous forecast assumed a gradual return of buyers into the market star�ng with the first interest rate cuts this summer, but the market has seen li�le movement. It's possible the type of buyer who was, un�l recently, entering the market with a three�year fixed rate mortgage has decided to hold o� for be�er rates that now seem just around the corner.
As such, the profile for sales from one of a gradual improvement has changed to one whereby the market is forecast to remain in more of a holding pa�ern un�l next spring , when a sharper rebound is expected. The result is a slight downward revision to sales this year and next, but with the poten�al for much stronger momentum beginning in the second quarter of 2025. Some 468,900 residen�al proper�es are forecast to trade hands via Canadian MLS® Systems in 2024, a 5.2% increase from 2023.
The na�onal a�erage home �rice is forecast to edge u� 0.9% on a n annual basis to $683,200 in 2024 and by 4.4% to $�13,3�5 in 2025. �a�onal h ome sales are forecast to climb a further 6.6% to 499,800 units in 2025 as interest rates con�nue to decline and demand �ows back o� the sidelines.
Each quarter, CREA updates its forecast for home sales ac��ity and a�era�e home prices �ia �ul�ple �is�n� �er�ice� ������ �ystems of Canadian real estate boards and associa�ons. CREA�s ne�t forecast �ill be published on Wednesday, January 15, 2025.
The Canadian Real Estate Associa�on (CREA) is one of Canada's largest single-industry associa�ons. CREA works on behalf of more than 160,000 REALTORS® who contribute to the economic and social well-being of communi�es across Canada. Together they ad�ocate for �ro�erty owners, buyers, and sellers.
Can you tell us about your background in home staging and interior design?
I have always had an interest in creativeness and designs, whether it was my younger years in running a fashion boutique or later in life enterprising in an Interior Design business
I started my passion of interior design and specifically staging homes in 2010. We are currently staging homes in the Lower Mainland, Fraser Valley, Sea to Sky and Vancouver Island and have over 120 homes staged actively on the market.
I have always had an interest in creativeness and designs, whether it was my younger years in running a fashion boutique or later in life enterprising in an Interior Design business. The fashion business and interior design/home staging both have to do with being creative, sales and marketing and of course, working with people.
My passion for design and putting things together have always excited me, I love working with colors and textures. The fashion business was a great foundation for me to build on my interior design career. As I learnt business ethics at an early age and still implement those ideals in day-to-day business.
Right timing and place were a major factor as the business soared, being the first Indo-Canadian to open an Interior Design company specializing in Home Staging. Construction in the Lower Mainland was booming, and the concept of home staging was introduced. There were a few companies in this business but catering to major developers. Builders and Homeowners had never been introduced to Home Staging and took the role of not only staging these homes but educating the importance of Home Staging.
What is your approach to creating a staging plan for a home and how do you determine the style/design elements that will appeal to potential buyers?
When it comes to new builds, I always chuckle, a home is the builder’s “nine-month baby”! They have put forth a lot of effort to construct a quality product and my approach is to carry the builder’s vision forward.
As far as occupied homes are concerned, we try to use as much of the homeowner’s pieces as possible. However, there may be a need to freshen the linens, add updated artwork, or even switch out some of the furniture pieces if too dated or bulky or not in proportion with the room.
We have many factors in staging a home; Firstly, the design of the build (modern, contemporary, transitional, modern farmhouse etc.) Second would be demographics, is this home going to attract executives, young families, extended families or empty nesters. Location is also a key point, as a home we stage in Richmond would look very different then a home we would stage in North Vancouver.
Our goal is to make the home look welcoming and bring the “wow” factor as they walk through
Our goal is to make the home look welcoming and bring the “wow” factor as they walk through. Usually purchasing a home is an upgrade of some sort, therefore, we are in the business of fulfilling those dreams... we need the space to look like it jumped out of a magazine.
Interior Design is decorating and furnishing a home for your specific taste. There is no right or wrong. Your personal needs are taken in consideration and designed accordingly.
Interior Design is decorating and furnishing a home for your specific taste. There is no right or wrong. Your personal needs are taken in consideration and designed accordingly. You may have a certain ethnic taste, you may not need a formal dining room and would like to use the space a kids play area, you may have some heirlooms or antiques that you would like incorporated... our job is to make the space cohesive but with your personality.
Home Staging is decorating with a neutral taste and nothing specific. It is more of a marketing strategy to sell the home. Everyone walking through the home must fall in love regardless of age, race and gender. We stay away from any personal items, religious items, political items etc. Therefore, when it comes to occupied homes, we always ask for all personal items (photos, religious, certificates etc.) to be removed. Some may have particular personal views and we need to be mindful and respectful.
A potential buyer needs to see themselves living in the space, not feel like they are walking through someone else’s home.
An empty room always looks cold and uninviting, empty rooms also look smaller and of course, don’t photograph well; therefore, staging brings life to a room.
Therefore, as mentioned above, Home Staging is a very powerful marketing tool.
Most potential buyers are looking at homes online before doing the walk through. They will tend to see homes that are staged and have professional photos. Those homes will stand out of the rest and will choose to see first.
Home Staging also gives the potential buyer a clear idea of room dimensions and furniture placement and takes the guessing away. It helps them to visualize their own furniture and decorative pieces.
An empty room always looks cold and uninviting, empty rooms also look smaller and of course, don’t photograph well; therefore, staging brings life to a room.
How do you stay updated on current trends in home staging and interior design? What steps do you take to continuously improve your skills and knowledge in home staging?
Design is constantly evolving… we have seen many trends in my career from dark espresso wooden finishes to chrome metals, then black metals and now gold finishes are in trend. Boho styles and modern farmhouse styles are very popular right now as well. Again, we strive to complement with the property and stay consistent with the build.
In addition, we keep close relationship with our vendors who update us with current trends and try to attend design shows as well.
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Can you share some success stories or examples where your staging made a significant impact on the sale of a property?
There are honestly many success stories with the common theme that a home has been on the market for months and hasn’t sold… we go in and stage and now home is sold within a week! Sometimes with even multiple offers and over asking!
I always say, at the end of the day, a home will always sell, but key is how fast and how much. Our goal is to sell the home for top dollar and minimum time on the market.
My passion drives my work ethic. I always strive to grow and improve in all business areas from customer service to designing the packages. I believe that integrity and hard work are the foundations of any successful business. It’s important to be honest with your clients and helping them achieve positive results.
My work philosophy is centered on taking risks and learning from my mistakes. Taking calculated risks is important to open new opportunities. Opening this business was a risk as Home Staging was a concept unheard of back in 2010. Not many people were using it and did not understand the logic of preparing a home for sale. Home Staging was only used by developers who needed presentation suites or show homes.
We are one of the pioneers in this industry and brought Home Staging to builders and occupied homeowners in BC.
Recently we have expanded taking projects on Vancouver Island and has been very successful by taking on that market.
We have also extended our Interior Design business where we have taken on residential and commercial properties for design in construction and furnishing.
My passion drives my work ethic. I always strive to grow and improve in all business areas from customer service to designing the packages. I believe that integrity and hard work are the foundations of any successful business.
Furnishing packages for rental properties have also been recently very popular, where we prepare your property with all the necessary components to rent short term or long term.
I wish to inspire young women to take initiative and take risks. I brought young Indo-Canadian women on fashion ramps and fashion covers of magazines and newspapers, which in the late 80s and early 90s was unheard of. And now I would like to train aspiring Interior Designers. I would also like to inspire “stay at home” mothers, as I entered my current business after having spent few years at home raising my family.
First Indo-Canadian in BC to conduct organize/curate fashion shows on stage/TV in 1988.
First Indo-Canadian in BC to open a fashion boutique in 1990.
First Indo-Canadian in Canada to open a home staging business in 2010.
Past Cabinet Member of Children’s Hospital “A Night of Miracles”
Current Cabinet Member of Surrey Hospital Foundation
Co-founder of “Kids Care” providing care packages to the homeless lead by youth.
Involved in various local philanthropic and fundraising events.
Recipient of the “Shakti Award of Business Excellence”
Recognized in Seattle, WA as “Ravishing Woman of the Day” for business achievements and representing Canada.
UNLEASH YOUR INNER SELF
Sukh Tax has been serving individuals and businesses for over a decade. Starting off as a tax preparation and planning firm in Brampton, Sukh Tax has grown to extend its service offerings. Sukh Tax currently has four physical locations in Brampton and Mississauga, and offers services virtually through their website, the Sukh Tax app, and WhatsApp. With an aim to provide the highest value to clients, Sukh Tax strives to be a leader in the tax and accounting industry through continuous investment in improving client experience.
Sukh Tax specializes in personal tax, business tax, accounting, payroll, estate planning, business advisory, and other related services. Over the years, Sukh Tax has increased efforts to support small businesses through extending services relating to bookkeeping, payroll, and business loan assistance. Sukh Tax aims to be a pillar in the financial growth of their clients. For this reason, Sukh Tax places great importance on offering value-add services to meet the needs and goals of their clients.
As a family run business, Sukh Tax’s success is deeply rooted within their connection to the community. Over the years, Sukh Tax has grown its loyal client base and business partners through creating personal connections. The firm strives to maintain its active presence in the community through attending local events, such as the South Asian Real Estate & Health Expo.
