John Santhana Kulandairaj

John Santhana Kulandairaj, B.Sc., CIWM, QAFP®


John Santhana Kulandairaj has worked with various financial institutions for the last 13 years in a range of roles mainly focused on wealth management and financial planning for clients.

His last role before joining the Independent Financial Services team was with PEBA – helping public sector employees across the province manage their pension plans and constructing holistic financial plans based on each client's individual goals and timelines.

Prior to working at PEBA, he spent a few years servicing physician clients – managing all aspects of their financial planning, wealth management, estate planning and insurance planning needs.

As an Associate with Independent Financial Services, John has attained his Qualified Associate Financial Planner (QAFP®) and Certified International Wealth Manager (CIWM) designations over the course of last 13 years.

John is focused in providing comprehensive financial advice to individuals, families, and businesses, currently pursuing a challenging career by building, developing, and improving relationships in the communities he services, right from working in tax and insurance strategies, retirement income projections, succession planning, handling fairness and equitable issues.

John provides a well-rounded education to his clients and can be certain that no stone will be left unturned in his clients’ planning journey.

He likes travelling, going on hikes, fishing, playing racquet sports and planning his next adventure.