Resources

Frequently Asked Questions

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.

Who does Victorious Financial Services work with?

We partner with individuals, families, and business owners at every stage of their financial journey who want to get organized and build a lasting legacy.

Our primary Clients include: 

-Retirees, Pre-Retirees, & Engaged Families: Anyone looking to help secure total peace of mind and build a strong, reliable retirement income roadmap. 

-Incorporated Business Owners & Entrepreneurs: Driven professionals focused on corporate structuring, asset growth, and reviewing corporate financials or passive income. 

-Farmers & Farm Families: Multigenerational agricultural owners navigating complex transitions. We specialize deeply in the unique realities of farm planning, covering: 

• Comprehensive succession and intergenerational wealth transfers. 

• Tax-efficient transfer strategies to protect your land and equity. 

• Estate equalization and navigating "fair vs. equal" planning between farming and non-farming children. 

• Reviewing legal corporate agreements while preserving family harmony. 

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 if I already have an advisor?

That is completely fine! We love seeing people take a proactive approach to their financial health. 

Many Clients come to us for a second opinion, particularly in highly specialized areas where their current advisor may not regularly practice—such as complex farm succession, intergenerational rollovers, or corporate business structuring. Think of it like seeing a specialist for a specific project. We are always happy to collaborate with your existing team or provide that focused second look to give you total peace of mind. 

What happens during the first meeting?

Our first meeting is all about you. It is a relaxed, open conversation dedicated entirely to finding out what is truly important to you, your family, and your operation. We focus on listening to your short-term and long-term goals rather than rushing into financial statements or paperwork. This discovery conversation is completely free of pressure or obligation—it is simply a chance for us to get to know each other and determine if we are a good fit for a lasting, long-term relationship.

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.

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) and more.

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

How do I make changes to my account?

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!