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At Gacich Financial Inc. it is our goal to provide the best service at the best value to our clients. We offer a variety of products and services including; life insurance, critical illness and disability insurance, financial planning, group benefits and retirement plans. Our experience and knowledge allows us to evaluate each situation closely and determine the best suited option for each client. We have an independent status and deal with all Canadian insurance companies allowing us to make the most objective decision when advising clients.

About Us

We have been in business for over 25 years offering research, financial advisory and performance benchmarking services in respect to  benefits, retirement programs and executive compensation. We design and manage clients’ programs from the biggest picture to the smallest detail. Our clients expect more than periodic meetings and fair value from their plans: they expect creative benefit plans that save them money in the long run while providing exceptional coverage. One important factor which distinguishes Gacich Financial from other brokers is that we perform a cash flow analysis of our client’s current and prior benefit plans. Often our clients discover that they can save a lot of money by self-insuring their benefits. We take the extra time and professional approach to see if you are a suitable candidate for this type of program. At the end of the day, we put the client first and as independent consultants we work for our clients without any allegiance to any insurance company or brokerage.

What We Do

At Gacich Financial Inc. we consult and negotiate with all insurance carriers, achieving the best rates and programs in Canada. Each year, insurance carriers review your rates and set new ones based on demographics, claims experience, trends and inflation. We will ensure that the premium adjustments are fair and competitive in the marketplace, the plan design suits your changing needs, that you are continuing to receive excellent service and that claims are being paid in a timely manner. Our experience, strong relationships with carriers and independent status, mean we are in the best position to negotiate a program that fulfills all of these goals. Along with our insurance and benefits services, Gacich Financial Inc. provides financial planning, segregated funds, and other investment opportunities. We also offer “lunch and learn” seminars, open to employees of client companies, conducted by knowledgeable industry professionals who provide essential and actionable financial and insurance information.

Years in Business

Clients Served


Client Satisfaction

Meet Our Founder and President, Tad Gacich

Tad is a graduate of the University of Ottawa and McMaster University where he obtained his law degree and Bachelor of Arts & Science respectively. He also has his Chartered Life Underwriter and Chartered Financial Consultant designations.

  • Financial and Estate Planning 30%
  • Insurance and Benefits Advisory 40%
  • Pension Advisory 15%
  • Investment Management 15%

What We Offer

Financial planning is more than finding the right investments and saving money. It’s about determining your goals for the future and creating a comprehensive plan to achieve them. Planning for the future is never a bad idea. We offer services and products that make planning for the future simple and affordable, including insurance plans to keep you and your family protected, education savings programs (RESPs), retirement savings programs (RRSPs), segregated funds, syndicated mortgages and other investments to meet your unique requirements.

As an employer, profit maximization depends on employee retention. There is no doubt that one of the most attractive features of a job is a good benefits plan. With a customized benefits plan, your company can attract and retain the best talent, all while receiving the best rates possible. At Gacich Financial, we search the market on your behalf, recommend optimum solutions, customize your employee benefits plans and therefore keep your employees protected at affordable rates. Regardless of the size of your company, we are happy to help you configure the right plan for you and your employees from the dozens of major carriers we represent and maintain relationships with.

Gacich Financial has over 25 years of experience in all facets of insurance including permanent life, term life, critical illness (covering an array of illnesses and conditions such as heart attack, stroke, cancer, kidney failure, Alzheimer’s disease, major organ transplant, paralysis and more), disability and administrative services only insurance products.  Given the vast array of products, carriers, coverages and price points available, it makes sense to consult with an objective professional team like Gacich Financial to assess your options and craft the right approach.

Finances are one of the leading causes of stress today. This stress causes higher absenteeism and lower productivity in the workplace. A simple way to reduce the negative impact of stress your employees may face is to offer a group savings plan, such as a group RRSP or group pension program. Giving employees the tools and incentives to save for their future will ease their stress, increase productivity and enhance retention. Gacich Financial is expert at configuring such programs and would be pleased to work with you to discover the options best suited to your company and employees.

Frequently Asked Questions



What is Critical Illness insurance?

Critical illness insurance is coverage which protects those within a certain age range from the financial stress of a critical illness. Although recent technology and advancements in the medical industry are improving the survival rates of victims of critical illness, the road to recovery can be long, stressful, and expensive. Critical illness insurance covers a wide variety of illnesses including, but not limited to;

  • Heart attack
  • Stroke
  • Cancer
  • Kidney failure
  • Alzheimer’s disease
  • Major organ transplant
  • Paralysis
  • Deafness

Once a claim is made and approved, clients receive a lump-sum of money which they can use however they see fit. Whether it be to cover medical costs not covered by provincial health plans, fund a leave of absence from work for you or your spouse, or simply keep up with every day expenses, the choice is yours. Prices may vary depending on age and health, making it important to find the right plan. At Gacich Financial Inc. we will find the best plan for you.

What is Administrative Services Only (ASO) insurance?
Administrative services only (ASO) is one method of insurance which can significantly reduce costs to the employer. With this form of insurance, the employer provides the benefits to employees on a self-insured basis, meaning no premium is paid to the insurer, the employer only pays for actual claims.
What is disability insurance?

You have your entire future planned; children’s education, mortgages, and retirement savings, but all of this is dependant on your ability to earn an income. In the event of an accident or development of a disability, one’s ability to earn income may be hindered. Having disability insurance will protect you from the major financial stress of a loss or reduction of income. Disability insurance is designed to replace income in the event of a disability which prevents you from working.There are 3 types of disability insurance:


  • Total which is when the client is unable to perform at a job which they would otherwise be qualified to do based on education and experience.
  • Partial is coverage for a client who is unable to perform certain duties of a job which they would otherwise be qualified to complete.
  • Residual is the coverage of income the client can no longer earn when back at work due to the disability.
What are segregated funds?

Segregated funds are a type of investment which are quite similar to mutual funds except they are administered by insurance companies. These investments include many guarantees and advantages not available through a mutual fund. Advantages of Segregated Funds include, but are not limited to:


  • High flexibility because client has the ability to access money at any time.
  • Provide an efficient way to do an estate transfer because upon death, if a client has named an appropriate beneficiary, the proceeds are paid directly to the beneficiary and probate is bypassed.
  • Policy includes both a maturity guarantee as well as a death guarantee which can range from 75% to 100% depending on specific criteria.
  • Growth and flexibility because as the market value in your policy increases, a reset allows you to increase your guarantee values to a percentage of the market value.
  • Protection from creditors because in the event of a bankruptcy or lawsuit, investments within a segregated fund are protected from creditors if an appropriate beneficiary was chosen.
  • Higher privacy because unlike other investments, segregated funds are not part of the estate and therefore, upon death proceeds are paid the beneficiary privately.


I have known Tad for over a decade and can attest that he is an exceptional financial advisor, who understands well the needs of a growing technology business. Whether it is individual insurance products or group benefit plans, Tad is expert at configuring the right solution, at the right price. Michael C. Chettleburgh

President, Axilogic Inc.

I have known Tad for over a decade and can attest that he is an exceptional financial advisor, who understands well the needs of a growing technology business. Whether it is individual insurance products or group benefit plans, Tad is expert at configuring the right solution, at the right price.

Michael C. Chettleburgh

President, Axilogic Inc.

Gacich Financial

How to Reach Us

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More Information

To learn more about the products and services offered by Gacich Financial, please complete our Contact Us form. Someone will  get back to you within one business day.

Address:15260 Yonge St #205, Aurora, ON L4G 1N4, Canada

Phone: Office: (905) 727-5222  /  Cellular: (416) 428–1012


Business Hours: Monday to Friday, 8:30 am to 5:00 pm