WealthBeing

THIS WEEK: There are many strategies you can use to minimize your taxes with an RRSP - but some are risky business if you get caught relying too much on this single investment tool. Kevin was faced with this conundrum with a credit union member who suddenly wanted to make a significant withdrawal to manage her financial crisis. Find out what Travis and Sheena thought of this Money Problem - and how Kevin pulled together a plan to help. 

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WealthBeing’s mini Money Problem episodes share a real financial challenge or question from our members, clients, or listeners – and the advice our experts provided to help. Learn from their experience and you’ll be prepared to make the best financial decisions for your pocketbook.

Do you have a Money Problem you’d like our help with? You can contact Kevin, Sheena and Travis with your question at [email protected]. We will get back to you with an answer.

Or visit any of our Island Savings, Envision Financial, or Valley First locations to talk with an advisor who will provide personal financial advice.

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OUR WEALTHBEING HOSTS

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

All con

THIS WEEK: There comes a time when you're ready to clock-out of your career for good. But what if you have to take a financial compromise to start your golden years? This week, Travis tells us about his client who wanted to retire early and the income challenges that presented. Our experts discuss what happens when you just can't wait to claim your full financial benefits.

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WealthBeing’s mini Money Problem episodes share a real financial challenge or question from our members, clients, or listeners – and the advice our experts provided to help. Learn from their experience and you’ll be prepared to make the best financial decisions for your pocketbook.

Do you have a Money Problem you’d like our help with? You can contact Kevin, Sheena and Travis with your question at [email protected]. We will get back to you with an answer.

Or visit any of our Island Savings, Envision Financial, or Valley First locations to talk with an advisor who will provide personal financial advice.

***

OUR WEALTHBEING HOSTS

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

It could be on your mind right now. One (or more) of the same questions that people are seeking answers for online. So, this week on WealthBeing™ our co-hosts are cutting straight to the facts. We’ll reveal what you need to know about 10 commonly searched queries online.

2:35 – Hot in Money: Explaining the factors causing such unpredictable commodities prices in 2021.

5:30 – Expert Examination:

- How much money do I need to retire?

- How much money should I be saving from my paycheque?

- Should I get into investing now or pay off my debt?

- What is a Robo-advisor?

- How do I know if I should invest with an advisor or self-manage my investments?

- What does “pay yourself first” actually mean?

- What are “bear” and “bull” markets and should I invest differently in them?

- Is buying stocks basically the same as gambling with my money?             

- What is a “market correction”?

- What is an index fund and why would I use one?

33:45 – Financial Fix: It’s likely you’ll go in search of more answers on the internet, and Kevin has a strategy to help you evaluate the information you receive online.

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If you have an undiagnosed financial concern or want to examine a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

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WEALTHBEING HOSTS

Travis Koivula

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, is a Certified Financial Planner, Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, Sheena's array of knowledge and experience means that no question goes unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. 

Kevin Lehman

Regional Manager, Business Banking, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial’s Regional Manager of Business Banking, Kevin Lehman, he's likely one of your personal game-changers. After attending the University of the Fraser Valley, Kevin’s search for new opportunities led him to Envision Financial and it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and lead a team of business banking advisors to help local companies thrive.

Many of us support local business with our everyday spending, but what about investing here in Canada? On WealthBeing™ this week, our co-hosts are having a Canada Day conversation with John Bai, Chief Investment Officer at Aviso Wealth, about the leading and emerging Canadian investment sectors, and how to structure your portfolio to invest here at home.

2:30 – Hot in Money: The TSX hit a new record this week and our co-hosts make some predictions about how the year may play out.

5:15 – Expert Examination:

-  What sectors that perform well for Canadian investors.

- Canadian investment sectors growing more clout. 

- Does the size of the company you invest in matter?

- What investors should understand about the TSX.

- Is Canada the best place to invest all your money?

- The best types of accounts to use to hold Canadian investments

37:30 – Financial Fix: This week, Travis suggest a way to seek a little more information from your advisor and open up an important conversation around your balance of investments.

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If you have an undiagnosed financial concern or want to examine a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

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WEALTHBEING HOSTS

Travis Koivula

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, is a Certified Financial Planner, Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, Sheena's array of knowledge and experience means that no question goes unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. 

Kevin Lehman

Regional Manager, Business Banking, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial’s Regional Manager of Business Banking, Kevin Lehman, he's likely one of your personal game-changers. After attending the University of the Fraser Valley, Kevin’s search for new opportunities led him to Envision Financial and it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and lead a team of business banking advisors to help local companies thrive.

It’s said that the best dollar earned is a tax-free dollar, but what does what mean when it comes to gratuities, side hustles and flipping assets? In this week’s episode of WealthBeing™, Kevin, Sheena and Travis settle in to hear from Accountant Rick Keller on some common misconceptions around taxation, strategies for taking advantage of tax sheltering vehicles and how to grow your wealth through careful tax planning.

3:00 – Hot In Money: Does the old adage “sell in May and go away” hold any good advice for your investment choices this year?

5:00 – Expert Examination:

• Get rich quick – is there such a thing? 
• Tax implications of cryptocurrency assets 
• Taking more money home through employer benefit programs 
• Retirement allowances – should people be thinking about taxes? 
• How much do you actually need to claim from tips and gratuities? 
• Is a side hustle worth the time investment with additional taxes? 
• Does e-commerce live up to the earning hype?

47:30 – Financial Fix: Sheena’s suggestion will have you trading clutter for cash – and stashing it away.

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If you have an undiagnosed financial concern or want to examine a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

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WEALTHBEING HOSTS

Travis Koivula

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, is a Certified Financial Planner, Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, Sheena's array of knowledge and experience means that no question goes unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. 

Kevin Lehman

Regional Manager, Business Banking, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial’s Regional Manager of Business Banking, Kevin Lehman, he's likely one of your personal game-changers. After attending the University of the Fraser Valley, Kevin’s search for new opportunities led him to Envision Financial and it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and lead a team of business banking advisors to help local companies thrive.

THIS WEEK: If you’ve created a business, you’re probably great at managing the day-to-day. How about what’s going to happen in the distant (or not-so-distant) tomorrow when it’s time to retire? It was time for one of Sheena’s clients to transition out of her business and she wanted to make sure that her employees would be well taken care of without her. Our experts discuss when and how to approach succession planning as a sole proprietor.

***

WealthBeing’s mini Money Problem episodes share a real financial challenge or question from our members, clients, or listeners – and the advice our experts provided to help. Learn from their experience and you’ll be prepared to make the best financial decisions for your pocketbook.

Do you have a Money Problem you’d like our help with? You can contact Kevin, Sheena and Travis with your question at [email protected]. We will get back to you with an answer.

Or visit any of our Island Savings, Envision Financial, or Valley First locations to talk with an advisor who will provide personal financial advice.

***

OUR WEALTHBEING HOSTS

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

If being in good financial health was as easy as having the right spreadsheet, we’d never have to worry about the next credit card bill or keeping up with a car loan. But life – and our own habits - seem to get in the way of our good financial intentions. This week, we wanted to find real solutions to living without debt and building wealth, which is why we are thrilled to share this conversation that Kevin, Sheena and Travis had with Author and Financial Coach, Erin Skye Kelly, about her own success story, how she’s helped people eliminate hefty debt burdens, and her fresh insights on how to “Get the Hell Out of Debt.”

3:20 – Hot in Money: The housing market is always changing, and Sheena, Travis and Kevin break down a recent adjustment to the mortgage stress test and how it might affect affording your next home.
 
6:00 – Expert examination:
·         From MTV to Money Guru – how Erin developed her expertise to help people deal with financial obligations.
·         The impact of the pandemic on people’s money habits.
·         Why budget and net worth are critical to financial health.             
·         How to choose the right kind of budget for your lifestyle.
·         Can you have 100% control over your money?
·         Carrying credit - yay or nay?       
·         Why you should care about the total cost of borrowing over your loan interest rate.         
·         How to out everything “out in the open” during a debt conversation.
·         (59:25) Erin’s "Get the Hell Out of Debt" program, book, and incredible early bird offer.
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If you have an undiagnosed financial concern or want to examine a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.
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WEALTHBEING HOSTS
Travis Koivula
Senior Wealth Advisor | Senior Investment Advisor
Island Savings Insurance Services | Credential Securities
Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, is a Certified Financial Planner, Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders
Wealth Planning Specialist, Valley First
As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, Sheena's array of knowledge and experience means that no question goes unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team.
Kevin Lehman

Regional Manager, Business Banking, Envision Financial
When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial’s Regional Manager of Business Banking, Kevin Lehman, he's likely one of your personal game-changers. After attending the University of the Fraser Valley, Kevin’s search for new opportunities led him to Envision Financial and it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and lead a team of business banking advisors to help local companies thrive.

It’s easy for your vehicle to go from necessity to status symbol. But letting a purchase, dealership, or abundance of maintenance costs over-stretch your budget will only lead to a financial collision. This week, our Kevin, Sheena and Travis invite Valley First Branch Manager, Aaron Bowyer, onto the show for a conversation about the factors that are worth weighing when it comes to your vehicle.

2:30 – Hot in Money: The Canadian dollar has been on the climb and our co-hosts discuss the reasons for the recent fluctuation. 

4:43 – Expert examination:

·         New, used, repair or share? The best way to get wheels.

·         How much of your budget you should spend on your vehicle.

·         When leasing is worth considering.

·         How to negotiate your vehicle purchase.

·         Is it okay to skimp on auto insurance options to save money?

·         Getting the best value when saying goodbye - trade-in or sell privately?

40:00 – Financial Fix: Sheena's task will help you understand how much moola is going into your vehicle(s), and potentially help you create more comfort for future costs.

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If you have an undiagnosed financial concern or want to better understand a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

If you’d like some one-on-one advice from our Financial Advisors in British Columbia, connect with our Island Savings, Envision Financial, Valley First and Enderby District Financial divisions near you.

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OUR WEALTHBEING HOSTS

Travis Koivula

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, is a Certified Financial Planner, Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, Sheena's array of knowledge and experience means that no question goes unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. 

Kevin Lehman

Regional Manager, Business Banking, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial’s Regional Manager of Business Banking, Kevin Lehman, he's likely one of your personal game-changers. After attending the University of the Fraser Valley, Kevin’s search for new opportunities led him to Envision Financial, a division of First West Credit Union. It is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team, where he now leads business banking advisors to help local companies thrive.

THIS WEEK: What happens with your money and assets late in life? There are probably more factors to consider than at first glance. That was the case for one client who, when widowed, worked with Travis to make sure their lifestyle and legacy were taken care of. Our experts expose the many factors to plan for with your family.

Plus! We invite you to an upcoming live conversation with Yufei Man, Director of Asset Allocation and Investment Strategy at NEI Investments. If you’re wondering what the market outlook is for 2021 and beyond – and why people are now choosing Responsible Investments in over 60% of their portfolios – register at: https://wealthbeingmay2021.eventbrite.ca/

***

Do you have a Money Problem you’d like our help with? You can contact Kevin, Sheena and Travis with your question at [email protected]. We will get back to you with an answer.

Or visit any of our Island Savings, Envision Financial, or Valley First locations to talk with an advisor who will provide personal financial advice.

***

OUR WEALTHBEING HOSTS

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

More than half of the Canadian investors that you know are likely making vales-based choices. Responsible Investing (RI) is taking off in Canada and we wanted to know why. This week, our co-hosts chat with Yufei Man, Director of Asset Allocation at NEI Investments about what's driving the demand, the future of RI, and whether you’re missing the boat with conventional investment choices.

2:10 – Hot In Money: All Travis’ clients are wondering why the market is doing so well when the economy has seen better days. Our co-hosts explain some factors that influence today’s trend. 

5:08 – Expert examination:

• What makes Responsible Investing such a rapidly growing sector in Canada?
• The different mindsets of responsible investors.
• Is an all-in or partial approach the best strategy for responsible investing.
• Who to trust? Discerning “responsible” companies to invest in and the impact of “greenwashing.”
• Can your portfolio be 100% sustainable – and should it be?
• Should you invest in renewable energies or energy efficiency?
• How Government actions impact responsible investments. 

45:56 – Financial Fix: Interested to know how the companies in your current portfolio rate on RI measures? Travis has a simple task that will help you understand your impact.

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You're invited! Attend our live conversation with Yufei Man, Director of Asset Allocation and Investment Strategy at NEI Investments, to find out about the market outlook for 2021 and beyond. Register at: https://wealthbeingmay2021.eventbrite.ca/

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Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Regional Manager, Business Banking, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial’s Regional Manager of Business Banking, Kevin Lehman, he's likely one of your personal game-changers. He leads a team of business banking advisors to help local companies thrive. You might say he’s a dreamer, and Kevin would agree. He is inspired by the dedication with which entrepreneurs pursue their vision and goals, and is a willing and prepared partner for owners to access the financial advice and tools that will support and grow their sustainable business.