Resources

Frequently Asked Questions

Who does Victorious usually work with?

• Farmers

• Incorporated business owners

• Retirees

• Engaged families who have the desire to build a strong financial and retirement roadmap

• People thinking about succession planning, inter-generational wealth transfers or retirement income planning

When should you reach out to us?

• Receiving an inheritance or preparing a wealth transfer

• Planning for retirement or a major life transition

• Getting married, growing your family, or experiencing a change in income

• Purchasing a home, farm, business, or major asset

• Looking to reduce taxes or improve cash flow

• Concerned about protecting your family, business, income

• Incorporating your business or bringing on a partner

• Reviewing retirement plans

• Wondering whether your current financial strategy is still aligned with your goals

What makes Victorious’ financial management process different?

• Holistic planning

• Written plans where Clients get online access to view and update

• Collaboration with professional teams (accountant, lawyer)

• Family meetings

• Tax and estate focus

• Post Mortem planning

• Ongoing Relationships

• Investment management and innovative retirement income planning

Do you work with farmers and farm families?

Yes! We cover:

• Succession

• Estate equalization

• Tax efficient transfer strategies

• Fair vs equal for estate planning between farm and non-farming children

• Preserving family harmony

• Reviewing legal agreements

• Reviewing corporate financials and analysis of passive income

Can you help coordinate with my accountant and lawyer? I never know what they’re saying!

Yes; think of us as your quarterback. We work in collaboration with your team and we are happy to attend annual meetings and then provide a Client friendly summary of the discussion and next steps.

What happens during the first meeting?

Our first meeting is more about finding out what is important to you and determining if we are a good fit for a long term relationship. We will have more of a discovery conversation to understand goals with no obligation.

How often will we meet?

We require an annual meeting with Clients and may have ongoing adjustments in between. We believe in proactive communication and the need to update your roadmap as your life changes.

Do you provide group retirement plans?

Yes! We will find the best plan for you and your unique situation. We have access to all major benefit carriers. We also do HSA (Health Spending Accounts), can set up group retirement plans (even with just one employee).

What kind of planning do you do for corporations?

• Corporate structure: introduction to holdco’s, trusts and why they may/may not make sense

• Corporate investing

• Tax efficient compensations

• Shareholder strategies

• Insurance in corporations

• Succession

What if I already have an advisor?

Often clients come to us for a second opinion in areas where their advisor does not practice.

Why is the business called Victorious Financial Services?

The name Victorious comes from a meaningful personal experience during the process of building the firm. Victorious is not about wealth, status, or success in the world’s eyes. It represents faith, perseverance, wisdom, peace and helping people move forward with confidence and clarity through life’s challenges and opportunities. The message of victory became foundational to the vision of the firm and this continues to guide the way the team serves with humility and stewardship.

How do I make changes to my account? Such as updating my address, banking or a beneficiary?

Call our office at 204-745-6312 or email our Client Services Manager, Maureen Lemky, at maureen.lemky@sunlife.com. She will be more than happy to update your file or direct your request to one of our team members if need be!