Independent Financial Advice
Helping to grow, protect
& preserve your wealth


A Proud History
People That Care
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A Proud History

ZLC Financial traces its origins back to 1946, when co-founder Harold Zlotnik first entered the life insurance business.

In 1979, after 33 years in the industry and many achievements and accomplishments earned along the way, Harold had the vision to recognize that his clients would be better served if he became an independent agent. It was this innovative thinking that led to the creation of one of Vancouver’s most respected firms, ZLC Financial. After his first year as an independent agent, he was recognized as one of the top four producers in Canada.

Today, the company preserves Harold’s legacy as a business founded on the assumption that advice is only as good as the person you ask.

People That Care

At ZLC Financial, we pride ourselves on our commitment to you and strive to provide you with first class service.

Looking for a member of our team? Click here.

Talk to Us Today

At ZLC we believe your financial advisor should feel like a trusted friend, one that you can call up at any time if you have questions or concerns.

If you are unhappy with your current advisor, or are looking for a second opinion, we would love to buy you a coffee and have a chat with no obligation.

Not sure who to speak to? Click here to fill out our contact form and we will have someone get in touch with you shortly.

Our Services

Investment & Retirement Solutions

The ZLC Insurance and Retirement Solutions division of ZLC Financial offers a wide range of services and products to its clients for estate planning, business planning, succession planning and tax sheltered accumulation. Our approach is to work with the client and their professional advisor to identify the principal issues and areas of financial concern. We then help to provide a variety of planning and product solutions in order to solve the problem.

Additional services offered through our affiliate ZLC Wealth.

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Employee Benefits

ZLC Financial is committed to providing the most cost effective products and services to ensure you maintain a competitive and comprehensive package of benefits to attract and retain your company’s most valuable asset – its people. Our Employee Benefits Division has been in operation for more than 30 years and manages over 300 group benefit and retirement programs in BC and across Canada. Our team averages 20 years of experience in the industry and works with companies that range in employee size from 2 to 4,500.

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Estate & Living Benefits

Estate planning can give you the peace of mind knowing that your family and loved ones will be taken care if something were to happen to you. The thought of creating an Estate plan may feel overwhelming, but it doesn't need to be. Your decisions can be changed at any time, and it is always better to have something in place then leave decisions to others after you are gone or are no longer able.

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Business Family Succession

When the time comes for retirement of the owners of a small business, the type of financial planning needed to affect that outcome changes. It is this very planning – that of securing the transition of a corporate entity from one focused solely on its growth and development to one whose growth and development must also fund the needed retirement income and change of ownership to the next generation that is the concern of the Business Family Succession Planning Division at ZLC.

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Structured Settlements

Managing and investing a large sum of money can sometimes lead to unsound purchasing decisions, and outliving the money that was supposed to last you a lifetime. At ZLC their Structured Settlement experts can provide you with tax-free income to take care of you and your family for a lifetime.

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Our latest articles


Why provide employee benefits?

You don’t “build a business”, you hire people and they help build the business.  And it is these people who continue to rank employee benefits as being important in their decision when selecting one company over another.  According to a...


CELEBRATING 30 YEARS OF COMMUNITY GIVING ZLC Foundation held its first charity golf tournament in 1986 mainly for our clients and friends. Over the years, the tournament has evolved into one of the premier golf events of the season. Join...

Five Tax Changes for the 2015 Tax Season

Tax time is almost upon us and there are some recent changes which will affect many Canadian residents.  The important changes to keep in mind are as follows: The Family Tax Cut This is the watered down version of income...