About
Hi, I'm Suroy.
I'm a Financial Coach based in Toronto, helping Canadian professionals turn their savings into automated investing systems.
The short version
I have an honours degree in finance. I've been investing personally for over 10 years. Before launching this public-facing coaching practice, I quietly worked with 10 paying clients through friends and word of mouth.
Now I'm doing it openly, under the brand Nomad Finance Club, with the goal of helping more people escape the rat race and convert their income into financial freedom and options.
The longer version
I went down every wrong path before I figured out what actually works.
Early on, I thought my finance degree gave me an edge. I researched hot stocks. Read "expert" opinions. Followed investing gurus on social media. Tried to spot trends early. Built a portfolio of overlapping individual stocks and niche-sector ETFs.
I lost money in poker phases. Bought into themes I didn't really understand. SPACs. Niche tech ETFs. A bit of Virgin Galactic stock that I still hold "for the grandkids" story.
Then I read more personal finance books. Ran the numbers on my own portfolio. Realized that the boring stuff (low-cost index funds, dollar-cost averaging, automation, staying the course) was outperforming my "clever" picks. So I rebuilt my system from scratch.
Today my portfolio takes 7 seconds to rebalance. I haven't lost sleep over the market in years. And I want that for you too.
Why coaching, not advice
In Ontario, the titles "Financial Planner" and "Financial Advisor" are regulated under the Financial Professionals Title Protection Act. They require specific credentials (CFP, QAFP, etc.) that I don't have. Giving personalized investment advice without registration also requires Dealing Representative or Portfolio Manager status under the OSC.
I respect those lines. So I operate as a Financial Coach. I teach you the systems, the behaviors, and how to use registered tools (like Wealthsimple Invest's risk questionnaire) that legally provide the allocation guidance. I walk through their output with you so you understand what you're choosing and why.
That distinction matters. It keeps me honest about what I'm qualified to do. And it keeps you safe from unlicensed advice that's worth what you paid for it (nothing).
The brand: Nomad Finance Club
"Nomad" because I believe the point of money isn't to accumulate it. It's to buy back your time. Freedom. Options. The ability to move through life without your job being the thing that owns you.
"Club" because nobody figures this out alone. The fastest path to financial confidence is being around other people who are working on the same problem, asking questions, sharing what's worked, and holding each other accountable.
What I believe about money
- Index funds win. 95% of professional fund managers can't beat them over 10 years. Neither can you. Neither can I.
- Automation beats discipline. Build the system once and let it run. Willpower is overrated.
- Asset allocation matters more than picks. 90% of returns are decided by how you split between stocks/bonds/cash. Not by which fund you picked.
- Time in the market beats timing the market. Start early, even small amounts. Compound interest does the rest.
- The point isn't more. It's enough. Enough to have options. Enough to sleep well. Enough to be present with the people you love.
Outside finance
I live in Toronto with my partner. I'm Tamil, with family roots in Sri Lanka. I try to do at least one bucket-list trip per year (Machu Picchu in 2022, Chichen Itza in 2023). I read more than I should. I try to be the person who knows just enough about money to help my friends, and just enough about everything else to keep my friends.
Ready to work together?
If any of this resonates, here's how to start:
- Browse the blog if you want to learn at your own pace
- Grab the free tools to start tracking your progress
- Join the Nomad Finance Club for $19/month if you want community and monthly group coaching
- Apply for 1:1 coaching if you want a system built with you in 4 weeks