WealthBeing
Island Savings - Valley First - Envision Financial - Enderby & District Financial | Divisions of First West Credit Union
Being in good financial health makes you feel at ease every day. You are free to pursue your goals and prepared to manage your future needs. Could your pocketbook be in better shape?
If life has thrown you a financial curve-ball, or if you just want to be more in control of your money, tune-in to WealthBeing. We diagnose a spending, saving, borrowing, investing, or other financial problem to provide simple advice that can help you thrive.You’ll hear about real-life financial challenges that our hosts, guests and members have encountered. We’ll share the time-tested financial solutions we recommend to members. And every week you’ll receive a simple strategy that you can use right away to improve your financial health.
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Top 10 WealthBeing Episodes
Goodpods has curated a list of the 10 best WealthBeing episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to WealthBeing for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite WealthBeing episode by adding your comments to the episode page.
05/14/21 • 8 min
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/
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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.
04/23/21 • 40 min
Earth Day 2021 has our co-hosts thinking about the impact our financial habits on environmental protection and sustainable living. We invite Alex Brocklebank, Island Savings Branch Manager and member of First West Young Leaders, to talk about being greener every day –for your pocketbook and the planet. Use their personal tips to live environmentally-consciously on a budget.
1:25 – Hot In Money: Travis, Kevin and Sheena discuss how the new Federal budget could impact your day-to-day financial health.
6:34 – Expert examination:
· Assessing the impact of individual spending choices.
· Easy and affordable ways to inject more green choices into your budget.
· Significant planet-friendly changes you can make by spending consciously.
· How to reduce your total footprint on the planet.
· Why Responsible Investments are today’s natural choice for tomorrow.
· How our co-hosts make their planet-friendly changes stick.
37:46 – Financial Fix: Use Sheena’s suggestion over the next two weeks to not only reinforce your earth-friendly habits, but to inspire others around you.
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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
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.
Ep. 42 – Financial Literacy Month: how to evaluate a financial opportunity, with Blake Ellis
WealthBeing
11/14/20 • 25 min
It’s Financial Literacy Month during November, which means that it’s time to examine some topics that help people become much more savvy about their money. One of the best skills that you can have is the ability to seize the right financial opportunities. This week, Travis and Derrick have invited Blake Ellis, Investment Advisor for Credential Securities and Senior Wealth Advisor at Island Savings Wealth Management, to talk about their experiences and expertise when it comes to evaluating the good, bad, and unknown of a financial opportunity.
1:20 – Money Problem: Travis’ client inherited more money than they ever had before. The opportunities for real estate versus stock investments abounded and they couldn’t make the right choice on their own.
3:40 Expert Examination: Derrick, Travis and Blake pull back the curtain on their own successes, challenges and the principles they’ve learned to find good financial opportunities:
- Financial opportunities that turned out well.
- Decisions that didn’t pay off.
- Missed opportunities.
- Types of financial opportunities you’ll likely encounter.
- Red flags for a poor investment opportunity – and the signs of a diamond in the rough.
- How to get off the fence about a financial opportunity.
- Bouncing back from a financial fail.
- Understanding your risk tolerance.
- How to position yourself for a good financial opportunity.
29:15 – Weekly Financial Fix: With a little reflection on past hits, misses, and fails, Travis has a task to help you prepare for a winning future financial opportunity.
If you have an undiagnosed financial concern or want to better understand a financial subject, send Travis and Derrick your question at islandsavings.ca/wealthbeing, or at [email protected], and we will consider it for a future episode.
09/10/20 • 24 min
One way to have a happy retirement is to make sure you never have to worry about having enough money.This week, Travis and Derricktalk to Robin Marshall, Director of Wealth Management at Island Savings, about how have a rich retirement lifestyle.
1:00Money Problem:A couple needed help to know if their income and assets would be enough for them to live their dreams during their retirement.
2:50Expert Examination:Derrick, Travis and Robin Marshall cover all the factors that will help you live a rich lifestyle when you retire:
- What it means to retire rich.
- Knowing how much money you need to retire rich.
- Expecting your spending to change.
- Strategies that lead to retirement wealth.
- How aggressive you should be about saving for retirement.
- The saving power of staying the course.
- Making extra income a path to a rich retirement.
- How a Financial Advisor can help expedite your rich retirement.
23:00–Weekly Financial Fix:Travis has a simple task that is the first step to retiring rich.
If you have an undiagnosed financial concern or want to better understand a financial subject, send Travis and Derrickyour question at islandsavings.ca/wealthbeing, or at [email protected], and we will consider it for a future episode.
04/04/20 • 24 min
Do you rush through your taxes, thinking it’s just a “simple return.” Think again.This week, Travis and Derrick have invited Doug Lawson, an expert in Canadian and US taxes, into the studio to discuss how government budgets, life changes, and common mistakes could be costing you money.
0:50 –Money Problem:Travis’ clients held most of their assets and income under one spouse’s name. They were exposed to a high tax bracket and hadn’t considered the implications in their financial plan.
1:50– Expert Examination: Doug Lawson, accountant from Hutcheson & Company joins Derrick and Travis to explain strategies that work to save money and avoid making a tax mistake. Listen for:
- most common tax questions to ask and mistakes to avoid;
- how changes in 2020 Federal and Provincial budgets affect individual taxes;
- why you might want to talk to a CPA before filing;
- defining a tax “dependent;”
- how to use RRSPs to save money;
- tax strategies for retirees and seniors to consider.
22:00– Weekly Financial Fix:use Travis’ tip andfind out how to use RRSPs to lower your tax bracket.
If you have an undiagnosed financial concern or want to better understand a financial subject, send Travis and Derrickyour question at islandsavings.ca/wealthbeing, or at [email protected], and we will consider it for a future episode.
Ep. 85 – Help for homebuyers in 2022
WealthBeing
04/13/22 • 30 min
In 2022, WealthBeing is bringing you conversations about what matters most when it comes to your finances. You'll hear new discussions of topics that will help you thrive, and updates to a few of conversations we're revisiting so that you can get our best advice when you need it. Our first new essential financial focus is all about the questions that our financial advisors want you to ask about in order to ensure that your money is working for you now and throughout the year.
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Get in touch with Travis and Kevin by emailing [email protected]
Or connect with a financial advisor at any of our locations across BC:
Envision Financial Valley FirstIsland SavingsEnderby & District Financial
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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).
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.
01/06/22 • 41 min
In 2022, WealthBeing is bringing you conversations about what matters most when it comes to your finances. You'll hear new discussions of topics that will help you thrive, and updates to a few of conversations we're revisiting so that you can get our best advice when you need it. Our first new essential financial focus is all about the questions that our financial advisors want you to ask about in order to ensure that your money is working for you now and throughout the year.
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Get in touch with Travis, Sheena and Kevin by emailing [email protected]
Or connect with a financial advisor at any of our locations across BC:
Envision Financial Valley FirstIsland SavingsEnderby & District Financial
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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.
10/26/21 • 6 min
THIS WEEK: When Travis' client was making final arrangements, he wanted to be sure that his estate would remain uncontested among his estranged children. This tricky situation is all too familiar to our co-hosts. Tune in to hear what advice they recommend to those facing a tough financial choice.
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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.
10/14/21 • 7 min
THIS WEEK: It's never a bad time to come into some money, right? It depends on who you ask and what you decide to do with it. Sheena shares the story of a client who was receiving a transfer of wealth and our hosts examine the options for both the giver and receiver.
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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.
06/08/21 • 64 min
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.
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FAQ
How many episodes does WealthBeing have?
WealthBeing currently has 85 episodes available.
What topics does WealthBeing cover?
The podcast is about Retirement, Investing, How To, Podcasts, Finance, Education and Business.
What is the most popular episode on WealthBeing?
The episode title 'Ep. 84 – Nine questions that make a difference to your financial health' is the most popular.
What is the average episode length on WealthBeing?
The average episode length on WealthBeing is 26 minutes.
How often are episodes of WealthBeing released?
Episodes of WealthBeing are typically released every 7 days, 2 hours.
When was the first episode of WealthBeing?
The first episode of WealthBeing was released on Jan 22, 2020.
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