Olivera (Hollie) Winkelaar
Job title: Financial Planner, Sun Life, QAFP®
Languages spoken: English, Romanian, Serbian
Area(s) served: Alberta, British Columbia, and Ontario
Trustworthy Advice You Can Count On
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.
Our mission
We understand that life today is expensive, but we also recognize the importance of planning for tomorrow. Our mission is to empower individuals and families to help take control of their financial futures through tailored and attainable strategies. We focus on comprehensive planning, including budgeting, retirement saving and estate building. Together, we'll create a roadmap that aligns with your unique needs and goals and that will help ease financial anxiety and pave the way for a secure future. Join us in our pursuit of financial wellness, where your dreams are not just achievable but within reach.
Products and services
Browse through the product and services offerings below to learn more. Every financial and protection strategy is different. When we meet, we’ll discuss what might be right for your unique situation. Reach out if you have any questions or are ready to get started.
Business owners
Spend more time running your business and less time worrying about your business. A strong strategy can get you there.
Health insurance products
Health insurance gives you financial coverage to help pay for health-care needs. This insurance goes above and beyond Canadian health-care coverage.
Life insurance products
Life insurance allows you to protect the people you love by providing your beneficiaries a tax-free cash payment when you die.
Stay informed
See more articles
恭喜畢業！ 接下來是人生的新篇章——在打造未來的同時，妥善管理學生貸款。從還款策略到將貸款納入您的整體財務規劃，讓我們確保您從一開始就走在成功的道路上。無論是購買第一套房屋，還是為進一步教育儲蓄，我們都能協助您理清方向。讓我們談談吧！
恭喜畢業！ 接下來是人生的新篇章——在打造未來的同時，妥善管理學生貸款。從還款策略到將貸款納入您的整體財務規劃，讓我們確保您從一開始就走在成功的道路上。無論是購買第一套房屋，還是為進一步教育儲蓄，我們都能協助您理清方向。讓我們談談吧！
Everyone’s financial situation is different — and your investment approach should reflect that. Beyond stocks and bonds, there are other ways to help grow your wealth and reduce risk. Let's explore options that fit your comfort level, goals and the legacy you want to leave.
Everyone’s financial situation is different — and your investment approach should reflect that. Beyond stocks and bonds, there are other ways to help grow your wealth and reduce risk. Let's explore options that fit your comfort level, goals and the legacy you want to leave.
Markets don’t need a perfect world to move higher.
This year, the headlines have been heavy: the conflict involving Iran, rising oil-price concerns, U.S. tariff escalation, inflation worries, and ongoing political uncertainty.
And yet, markets have continued to show resilience.
That may feel surprising in the moment, but it is not unusual when we step back and look at history. The Andex Chart 2026 is a powerful reminder that markets have lived through wars, recessions, inflation spikes, oil shocks, the tech crash, the 2008 financial crisis, COVID, and many other periods of uncertainty — and long-term investors were rewarded for staying disciplined.
The key lesson is this: markets do not move based only on today’s headlines. They move based on expectations for future earnings, interest rates, inflation, policy decisions, and investor sentiment.
We saw that clearly with tariffs. Bloomberg described 2025 as an extreme year where the S&P 500 came close to a tariff-induced bear market in April, only to rebound quickly after tariff pressure eased and enthusiasm around artificial intelligence helped push markets to new highs. (Bloomberg) Reuters also reported that when a 90-day tariff pause was announced, the S&P 500 jumped 9.5% in one day — its biggest daily gain since 2008. (Reuters)
The Iran conflict created a similar reminder. Markets initially reacted negatively, oil prices jumped, and investors moved toward safe-haven assets like gold and the U.S. dollar. In Canada, the TSX fell, but the impact was softened by gains in energy and gold-related stocks. (Reuters)
That is exactly why diversification matters.
A globally diversified portfolio does not rely on one country, one sector, one company, or one economic outcome. Tariffs may hurt some companies but benefit others. Conflict may pressure airlines and consumers, while supporting energy or gold. Interest-rate cuts may help bonds, financials, and rate-sensitive sectors. Technology may lead in one period, while Canadian banks, energy, materials, or dividend-paying companies may lead in another.
Morningstar Canada noted that Canada’s market performed strongly in 2025, helped by financials, materials, energy, gold, supportive central-bank policy, and different valuations compared with the U.S. market. (Morningstar)
So what types of investments are appropriate now?
The answer is not one single investment. It depends on your time horizon, risk tolerance, income needs, tax situation, and whether you are accumulating wealth or drawing income in retirement.
For example, retirees or those close to retirement, a cash wedge or time-segmented portfolio can help avoid selling growth investments during short-term market downturns.
The real point is not to predict every headline correctly. The point is to build a portfolio that does not require you to.
The Andex chart reminds us that the biggest risk for many investors is not market volatility itself, it is abandoning a good plan during volatility.
This year, the headlines have been heavy: the conflict involving Iran, rising oil-price concerns, U.S. tariff escalation, inflation worries, and ongoing political uncertainty.
And yet, markets have continued to show resilience.
That may feel surprising in the moment, but it is not unusual when we step back and look at history. The Andex Chart 2026 is a powerful reminder that markets have lived through wars, recessions, inflation spikes, oil shocks, the tech crash, the 2008 financial crisis, COVID, and many other periods of uncertainty — and long-term investors were rewarded for staying disciplined.
The key lesson is this: markets do not move based only on today’s headlines. They move based on expectations for future earnings, interest rates, inflation, policy decisions, and investor sentiment.
We saw that clearly with tariffs. Bloomberg described 2025 as an extreme year where the S&P 500 came close to a tariff-induced bear market in April, only to rebound quickly after tariff pressure eased and enthusiasm around artificial intelligence helped push markets to new highs. (Bloomberg) Reuters also reported that when a 90-day tariff pause was announced, the S&P 500 jumped 9.5% in one day — its biggest daily gain since 2008. (Reuters)
The Iran conflict created a similar reminder. Markets initially reacted negatively, oil prices jumped, and investors moved toward safe-haven assets like gold and the U.S. dollar. In Canada, the TSX fell, but the impact was softened by gains in energy and gold-related stocks. (Reuters)
That is exactly why diversification matters.
A globally diversified portfolio does not rely on one country, one sector, one company, or one economic outcome. Tariffs may hurt some companies but benefit others. Conflict may pressure airlines and consumers, while supporting energy or gold. Interest-rate cuts may help bonds, financials, and rate-sensitive sectors. Technology may lead in one period, while Canadian banks, energy, materials, or dividend-paying companies may lead in another.
Morningstar Canada noted that Canada’s market performed strongly in 2025, helped by financials, materials, energy, gold, supportive central-bank policy, and different valuations compared with the U.S. market. (Morningstar)
So what types of investments are appropriate now?
The answer is not one single investment. It depends on your time horizon, risk tolerance, income needs, tax situation, and whether you are accumulating wealth or drawing income in retirement.
For example, retirees or those close to retirement, a cash wedge or time-segmented portfolio can help avoid selling growth investments during short-term market downturns.
The real point is not to predict every headline correctly. The point is to build a portfolio that does not require you to.
The Andex chart reminds us that the biggest risk for many investors is not market volatility itself, it is abandoning a good plan during volatility.
Markets don’t need a perfect world to move higher.
This year, the headlines have been heavy: the conflict involving Iran, rising oil-price concerns, U.S. tariff escalation, inflation worries, and ongoing political uncertainty.
And yet, markets have continued to show resilience.
That may feel surprising in the moment, but it is not unusual when we step back and look at history. The Andex Chart 2026 is a powerful reminder that markets have lived through wars, recessions, inflation spikes, oil shocks, the tech crash, the 2008 financial crisis, COVID, and many other periods of uncertainty — and long-term investors were rewarded for staying disciplined.
The key lesson is this: markets do not move based only on today’s headlines. They move based on expectations for future earnings, interest rates, inflation, policy decisions, and investor sentiment.
We saw that clearly with tariffs. Bloomberg described 2025 as an extreme year where the S&P 500 came close to a tariff-induced bear market in April, only to rebound quickly after tariff pressure eased and enthusiasm around artificial intelligence helped push markets to new highs. (Bloomberg) Reuters also reported that when a 90-day tariff pause was announced, the S&P 500 jumped 9.5% in one day — its biggest daily gain since 2008. (Reuters)
The Iran conflict created a similar reminder. Markets initially reacted negatively, oil prices jumped, and investors moved toward safe-haven assets like gold and the U.S. dollar. In Canada, the TSX fell, but the impact was softened by gains in energy and gold-related stocks. (Reuters)
That is exactly why diversification matters.
A globally diversified portfolio does not rely on one country, one sector, one company, or one economic outcome. Tariffs may hurt some companies but benefit others. Conflict may pressure airlines and consumers, while supporting energy or gold. Interest-rate cuts may help bonds, financials, and rate-sensitive sectors. Technology may lead in one period, while Canadian banks, energy, materials, or dividend-paying companies may lead in another.
Morningstar Canada noted that Canada’s market performed strongly in 2025, helped by financials, materials, energy, gold, supportive central-bank policy, and different valuations compared with the U.S. market. (Morningstar)
So what types of investments are appropriate now?
The answer is not one single investment. It depends on your time horizon, risk tolerance, income needs, tax situation, and whether you are accumulating wealth or drawing income in retirement.
For example, retirees or those close to retirement, a cash wedge or time-segmented portfolio can help avoid selling growth investments during short-term market downturns.
The real point is not to predict every headline correctly. The point is to build a portfolio that does not require you to.
The Andex chart reminds us that the biggest risk for many investors is not market volatility itself, it is abandoning a good plan during volatility.
This year, the headlines have been heavy: the conflict involving Iran, rising oil-price concerns, U.S. tariff escalation, inflation worries, and ongoing political uncertainty.
And yet, markets have continued to show resilience.
That may feel surprising in the moment, but it is not unusual when we step back and look at history. The Andex Chart 2026 is a powerful reminder that markets have lived through wars, recessions, inflation spikes, oil shocks, the tech crash, the 2008 financial crisis, COVID, and many other periods of uncertainty — and long-term investors were rewarded for staying disciplined.
The key lesson is this: markets do not move based only on today’s headlines. They move based on expectations for future earnings, interest rates, inflation, policy decisions, and investor sentiment.
We saw that clearly with tariffs. Bloomberg described 2025 as an extreme year where the S&P 500 came close to a tariff-induced bear market in April, only to rebound quickly after tariff pressure eased and enthusiasm around artificial intelligence helped push markets to new highs. (Bloomberg) Reuters also reported that when a 90-day tariff pause was announced, the S&P 500 jumped 9.5% in one day — its biggest daily gain since 2008. (Reuters)
The Iran conflict created a similar reminder. Markets initially reacted negatively, oil prices jumped, and investors moved toward safe-haven assets like gold and the U.S. dollar. In Canada, the TSX fell, but the impact was softened by gains in energy and gold-related stocks. (Reuters)
That is exactly why diversification matters.
A globally diversified portfolio does not rely on one country, one sector, one company, or one economic outcome. Tariffs may hurt some companies but benefit others. Conflict may pressure airlines and consumers, while supporting energy or gold. Interest-rate cuts may help bonds, financials, and rate-sensitive sectors. Technology may lead in one period, while Canadian banks, energy, materials, or dividend-paying companies may lead in another.
Morningstar Canada noted that Canada’s market performed strongly in 2025, helped by financials, materials, energy, gold, supportive central-bank policy, and different valuations compared with the U.S. market. (Morningstar)
So what types of investments are appropriate now?
The answer is not one single investment. It depends on your time horizon, risk tolerance, income needs, tax situation, and whether you are accumulating wealth or drawing income in retirement.
For example, retirees or those close to retirement, a cash wedge or time-segmented portfolio can help avoid selling growth investments during short-term market downturns.
The real point is not to predict every headline correctly. The point is to build a portfolio that does not require you to.
The Andex chart reminds us that the biggest risk for many investors is not market volatility itself, it is abandoning a good plan during volatility.