Want to achieve lifetime financial security and live a healthier, brighter life? Take the time to browse the website, so you can learn more about the solutions we can discuss to help meet your needs and goals. Reach out if you have any questions and to get started.

For over 30 years, we have offered holistic financial planning services to Clients throughout every life stage. We have many talented team members who are ready to work with you. We get the ultimate joy from helping people achieve their life goals. Over the last few decades, we’re proud to have built our business by happy Client referrals. Our name “Financial Dream Solutions” came from the comments and feedback we heard from Clients over the years.

Financial Dream Solutions Inc.

Your financial strategy should be as unique as you are. Whether you’re just starting out, about to enter retirement, or somewhere in between, a strong financial roadmap can help you reach your short and long-term goals. Let’s work together to protect what matters most to you and help you secure your future. Reach out to get started. Let’s get you there.

Steve Van de Vosse

As an advisor, I like to say I “found what I’m meant to do with my life.” I’ve worked with hundreds of families and businesses to find the right solutions to meet their specific goals.

I’ve been an advisor for more than 10 years. I specialize in working with corporate Clients. I help them find tax strategies to protect their businesses and build for the future. I understand that integrity and character are the keys to building meaningful relationships with Clients. A leader in the industry, I’m a proud member of Advocis and the Million Dollar Round Table.

Born and raised in northern BC, I started my first business at the age of 12. I attended University in Kamloops and graduated with a Business Degree in 2002. I have a loving wife and three children. We enjoy spending time at the mountains and in lakes of the Okanagan.

My passion is to help you protect what is important and develop a plan to reach your financial dreams.

Awards and memberships are based on insurance business only.

Job Title: Advisor, Sun Life, BTM

Email: steve.vandevosse@sunlife.com

Wayne C Henrikson

As a founding father of FDS, I help lead the team in helping Clients plan, build and protect their dreams.

I’m passionate about making a difference in peoples' lives. The biggest joy and the reason I keep working is simply seeing people achieve their dreams. With over 35 years in the financial industry, I have successful business experience and a thorough knowledge of financial strategies. I can give solutions to help individuals or businesses achieve their financial goals and dreams.

  • I hold the Chartered Life Underwriter (CLU®) certification.
  • I have repeatedly received the National Quality Award from Advocis - The Financial Advisors Association of Canada.
  • I have achieved Court of Table membership with the Million Dollar Round Table. The MDRT is an organization that recognizes leading financial services professionals who demonstrate exceptional professional knowledge and Client service.

As the founder of Financial Dream Solutions Inc., I ensure our team follows the values of professionalism, integrity and care. I instill these values when I mentor new generations of advisors who join the team. This focus maintains the foundation on which I have built Financial Dreams Solutions. My dedication is the cornerstone that ensures the firm continues to deliver excellence in financial advice to Clients.

My wife Gloria and I have two children and six grandchildren. We are active and involved with family, friends and Clients. My wife and I dedicate time and funds to charitable needs in local, national and international. We want to make a positive difference in as many lives as possible during our lifetime. We believe that it’s not how much money you make but rather what you do with what you make.

Awards and memberships are based on insurance business only.

Job Title: Associate Advisor, Sun Life, CLU®

Email: wayne.henrikson@sunlife.com

Carmine Maddalena

As a husband, father and grandparent, I know you want to provide for your loved ones and enjoy all that life has to offer. As an advisor, I can help you build a plan for your finances to realize your dreams.

I have over 18 years of experience in the financial services industry. I focus on helping people build and protect their savings and their lifestyle with customized investment and insurance solutions. I commit to providing outstanding Client service with the highest standard of professionalism, integrity and care. I’m a member of the Million Dollar Round Table, an organization of leading financial services professionals. I’m also a multiple recipient of the National Quality Award from Advocis - The Financial Advisors Association of Canada. This award focuses attention on persistency, permanence, stability, and quality performance, giving tangible recognition to those who strive for excellence in the life insurance business.

My areas of financial expertise include:

  • retirement planning strategies,
  • investment management,
  • life and health insurance solutions,
  • tax saving strategies and
  • group benefits for businesses.

Whether you're looking for the best financial future for yourself, your family or your business, I can help you achieve prosperity and lifetime financial security.

My greatest joy is spending time with my family and friends. My wife Georgia and I have three children and two grandchildren. We live in the town of Osoyoos in the southern Okanagan valley. We love spending time enjoying all the diversity and year-round outdoor activities of this beautiful region of British Columbia.

Awards and memberships are based on insurance business only.

Job Title: Advisor, Sun Life

Email: carmine.maddalena@sunlife.com

Neil Macdonald

I grew up in beautiful Squamish, BC., after which I completed an Associate’s Degree at VIU in Nanaimo in 1999.

After years as a successful restauranteur in Penticton, I evolved into my career with Sun Life Financial in 2006. From the beginning, I worked passionately to build and evolve my practice and to expand my skills and education. I want to create relationships that foster trust, honestly, and loyalty between Clients and myself.

I’m happily married to my wife Tessa and have a beautiful daughter Karis. We’re happy to call the Okanagan our forever home. I enjoy being active with my family and friends. During my schooling, I played varsity soccer and Volleyball for the VIU Mariners. I support my local community of Clients and business-owners. I also enjoy organizing events for our team.

Being a part of the Financial Dream Solutions’ team is very rewarding. I look forward to ensuring I use the values of professionalism, integrity and care for the people I work.

Job Title: Advisor, Sun Life

Email: neil.macdonald@sunlife.com

Kaitlyn Gardner

I grew up in Ok Falls and now live in the South Okanagan with my husband and family. I enjoy the opportunity to be part of the Financial Dream Solutions team. I work from the Okanagan offices and enjoy helping Clients with their financial service needs. My primary focus is working with Clients to fully understand their goals and dreams. I want to help them in their financial decisions.

I strive to help Clients invest in their future and protect their biggest asset; their income. I accomplish this by listening, recommending realistic strategies and implementing those strategies to align with each Client's goals. I have been an Associate Advisor for five years and I'm proud to be apart of the Financial Dream Solutions team. I find joy in providing peace of mind for Clients when it comes to their financial needs.

I have a husband and two kids. I love reading and campfires and being outdoors with my family.

Job Title: Associate Advisor, Sun Life

Email: kaitlyn.gardner@sunlife.com

Sandy Howden

I’m the team's first responder to calls and go-to person for all insurance questions. I have over 35 years of experience in financial services administration and support. I work to give the best Client service support. I have my Life license and Mutual Fund license to help in the investment administration.

My husband and I enjoy time with our grandchildren. We also love exploring the beautiful Okanagan valley camping with our three dogs.

Job Title: Service Associate, Sun Life

Fax: sandra.howden@sunlife.com

Sierra Bharmal

Along with processing wealth transactions for Clients, I oversee all operations of Financial Dream Solutions. I specialize in creating efficient workflows and processes that enhance our ability to better serve you.

While I am newer to the financial industry, I have close to 10 years experience of customer-first industries. In the end, my goal is to create a smooth and easy process between Client and Advisor.

I am from the Kootenay's, but moved to the Okanagan in 2014. I enjoy camping, snowmobiling, hiking...or any activity that involves the outdoors. My dog (and sometimes cat) join me on my adventures.

Job Title: Advisor Assistant, Sun Life

Email: sierra.bharmal@sunlife.com

Victoria Rempel

I have worked on the team for over 12 years. As an Advisor Assistant, I will answer when you call our Osoyoos office. I have a passion for connecting with people and take pride in assisting with any questions or requests that Clients may have. It makes me happy to see Clients who take steps to protect their loved ones. Between our many team members, there is always someone there to help. We work in harmony together.

Married with two adult children, I've lived in the Okanagan for most of my adult life. I love to travel, camp and enjoy all the beautiful Okanagan valley has to offer. I love spending time with my grandchildren and am never too busy to hang out with my friends. 

Job Title: Advisor Assistant, Sun Life

Email: victoria.rempel@sunlife.com

Sherrie Burechailo

I have been providing excellent customer service since my very first job. Since joining the team in 2020, I have studied and obtained licenses for Mutual Funds and Life Insurance. I strive to learn how to help Clients achieve their goals and live healthier lives. I am happy to work alongside a group of trusted professionals who truly care about Clients. As you share your story and goals with me, I sincerely believe that you will find my approach to be receptive, empathetic, and composed.

Originally a farm-girl from Saskatchewan, I moved to Penticton in 1995. I enjoy connecting with people and providing support and guidance. I am proud to be considered dependable by my colleagues, family, and friends. I’m happy to have participated in various communities, hobbies, and fun jobs, while raising four daughters.

My husband and I value time with each other, our families, our children and grandchildren. We enjoy making our lives as healthy, vibrant, and memorable as we can! I love living in the Okanagan and participating in its many offerings of outdoor recreation. I am passionate about the sport of curling. I’m an active member of the Penticton Curling Club, of which I am the President of the Board of Directors and active volunteer.

Job Title: Associate Advisor, Sun Life

Email: sherrie.burechailo@sunlife.com

Austin Jennings

I grew up in Moose Jaw in southern Saskatchewan and joined the armed forces shortly after high school. Unfortunately, an ankle injury during training led to me leaving the military behind. So, I managed a medical supplies company in Saskatchewan. In this role, I assisted the elderly and those with disabilities to maintain their quality of life and independence. When working with me, you’ll notice my patience and integrity. It makes me happy to help others feel good.

When Covid happened, I decided it was time to further my education and sought out my Mutual Funds license. I enjoy assisting others and am happiest when I can research and find unique solutions to complex problems.

I have a wife and a young son who has autism. When I’m not working or spending time with my family, you can usually find me behind my computer gaming or doing research. I love anything tech related and love going for rides on my bicycle around lovely Penticton and area.

Job Title: Service Associate, Sun Life

Email: austin.jennings@sunlife.com

Have questions?

Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.

We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.