Founder, Gold Key Insurance Services Ltd.

Specializing in Estate & Financial Planning

With over 30 years of experience in the insurance and financial services industry, Sharn Bhinder is the visionary founder behind Gold Key Insurance Services Ltd., now one of Canada’s largest independent brokerages. Known for her forward-thinking leadership and client-first approach, Sharn has been instrumental in shaping Gold Key’s success since taking the helm in 1998.

Her career began in the early 1990s, where she quickly gained a reputation for her deep knowledge of insurance, strategic planning, and business development. Drawing on these strengths, Sharn launched Gold Key with a mission to bring innovation, integrity, and unmatched client service to the industry. Under her direction, the company has expanded across British Columbia and continues to grow nationally, supporting over 300 thousand clients nationwide.

Sharn specializes in estate and financial planning, helping clients protect their legacies, reduce tax exposure, and grow their wealth with tailored life insurance strategies. Her expertise lies in structuring comprehensive solutions for families, professionals, and business owners using permanent life insurance, mortgage protection, corporate-owned insurance, and more.

Today, Sharn’s role is focused on high-level advisory and strategic initiatives. She remains deeply connected to the company’s values, clients, and long-term vision—guiding the Gold Key team as they continue to deliver trusted advice and industry-leading solutions.

Sharn Bhinder

LLQP CAIB

Managing Director of Operations

Katherine Smith is the Managing Director of Operations, bringing over a decade of leadership experience in driving organizational performance and operational transformation. Known for her strategic mindset and detail-oriented execution, she excels at aligning business operations with long-term objectives while enhancing efficiency and accountability across all levels of the organization.

Katherine has a strong track record of identifying and resolving structural inefficiencies, leading enterprise-level projects, and fostering high-performing teams that deliver measurable results.

Her expertise spans operational strategy, process improvement, budgeting, compliance, risk mitigation, and cross-functional collaboration. She is particularly skilled at implementing workflow automation and integrating technology to streamline systems and support scalability. Katherine leads with a collaborative and outcomes-driven approach, creating a culture of continuous improvement and innovation. Her ability to balance strategic oversight with hands-on leadership has made her an invaluable force in building resilient, agile, and high-growth operational frameworks.

Katherine Smith

Advisor

Selena Xiaoxi Toews, is a strategic cross-sector life insurance advisor who believes that financial security is the greatest gift a person can give their family. Known for an genuinely, human-first approach. Backed by Life License credentials and 10 years in the banking industry, Selena possesses deep financial acumen, risk awareness, financial compliance and client management skills.

Everyone have their own story. Many years ago, Selena was one of the Chinese international students who immigrated to Canada by work her way through the lengthy Immigration process. Rather than offering one-size-fits-all policies, Selena takes the time to truly listen to each client's unique story and long-term goals. Whether helping young families secure their first home, guiding new parents, or assisting individuals with retirement planning and estate planning, Selena specializes in turning what can be a complex and overwhelming process into a clear, stress-free experience

With a deep commitment to integrity and community trust, Selena does not just sell insurance—they build lasting partnerships that deliver true peace of mind. Outside of work, she loves immersing herself in the community by attending and volunteering at local events and festivals, and she treasures spending quality time with her family.

Selena Xiaoxi

BBA LLQP

Advisor

With over a decade of experience in financial services, I have dedicated my career to helping others achieve their financial goals. As a mother of two, I understand the importance of putting proper protections in place for loved ones, and I strive to do the same for my clients. I build strong relationships with my clients, providing them with the comfort and security they need to feel confident in their financial decisions.

Outside of work, I enjoy traveling, playing music, and staying active. Family is my top priority, and I cherish every moment spent with them. Whether it’s exploring new destinations or enjoying quality time at home, I believe that a fulfilling life is built on strong connections and meaningful experiences.

Natasha

LLQP

©2023

Goldkey Insurance Services Ltd