Articles Featuring Kim's Experience
- https://macleans.ca/society/your-top-financial-retirement-planning-questions-answered/
- https://www.theglobeandmail.com/investing/article-what-should-this-61-year-old-do-after-being-laid-off-plus-globe/
- https://www.theglobeandmail.com/investing/globe-advisor/insurance/article-why-more-people-approaching-retirement-are-considering-long-term/
- https://www.theglobeandmail.com/business/article-outdated-myths-about-women-investors-persist/
2026-08-26T00:00:00
Mastering Your Money Webinar
Live Webinar: Mastering Your Money: Navigating Investing, Saving, Credit, and First-Home Planning.
Event Details
- Date: Tuesday, August 25, 2026
- Time: 7:00 PM - 8:00 PM
- Duration: 1 Hour (Includes Live Q&A)
- Location: Online
- Cost: Free (Registration required)
- Hosted By: Victorious Financial Services
About the Event
When it comes to building your career and planning your future, managing your money shouldn’t feel like a guessing game. It can be difficult to cut through the noise to figure out exactly how to optimize your credit, choose the right investment accounts, or prepare for major milestones like buying your first home.
Mastering Your Money is a professional, pressure-free session designed specifically for young adults and people who want to clear out the financial noise.
You will walk away with a highly practical, step-by-step roadmap to make your money work harder for you right now—without complex math or stressful sales pitches. It’s simple, transparent strategy built to give you a massive head start.
What We Will Cover
- Smart Account Setups: Navigating saving and optimizing different interest structures.
- Investing Mechanics: A simple breakdown of compound growth and how to confidently start.
- Credit & Debt Mastery: Actionable frameworks to build a rock-solid credit rating early.
- First-Home Planning: Essential, low-stress milestones to hit if you want to buy property.
Secure Your Free Spot
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
A "guaranteed return" does not mean your money is safe from losing its value.
Many investors lock their money into GICs or "safe" investments thinking they have completely eliminated risk. However, there is a silent risk that fixed-income investments cannot protect you against: inflation. If your money isn't growing faster than the rising cost of living, your purchasing power is actually shrinking.
Swipe through to see the massive difference between guaranteed safety and real wealth growth:
- The Purchasing Power Illusion: It feels good to know your principal is secure. However, inflation doesn't care about a guarantee. If your after-tax investment return is lower than the rate of inflation, you are quietly losing buying power every single year.
- The Data Doesn't Lie: Look at the growth chart tracking a $10,000 investment over a 16-year period (2009–2026). While 1-year, 3-year, and 5-year GICs slowly crawled up to finish between $12,578 and $13,984, a balanced income pool (like the Fidelity Balanced Income Priv Pool) grew to a staggering $27,401.
- The Real Cost of "Safety": By choosing the absolute certainty of a GIC over a diversified, managed portfolio, the wealth gap over time cost the investor nearly double the growth.
True financial security isn’t just about protecting your principal today—it is about protecting what that money can actually buy you tomorrow.
Are your long-term savings keeping pace with inflation, or are they quietly losing power? Let’s review your portfolio to balance true safety with growth.
#FinancialPlanning #Inflation #GIC #WealthManagement #CanadianInvestors #PurchasingPower #InvestingTips #PortfolioGrowth
Many investors lock their money into GICs or "safe" investments thinking they have completely eliminated risk. However, there is a silent risk that fixed-income investments cannot protect you against: inflation. If your money isn't growing faster than the rising cost of living, your purchasing power is actually shrinking.
Swipe through to see the massive difference between guaranteed safety and real wealth growth:
- The Purchasing Power Illusion: It feels good to know your principal is secure. However, inflation doesn't care about a guarantee. If your after-tax investment return is lower than the rate of inflation, you are quietly losing buying power every single year.
- The Data Doesn't Lie: Look at the growth chart tracking a $10,000 investment over a 16-year period (2009–2026). While 1-year, 3-year, and 5-year GICs slowly crawled up to finish between $12,578 and $13,984, a balanced income pool (like the Fidelity Balanced Income Priv Pool) grew to a staggering $27,401.
- The Real Cost of "Safety": By choosing the absolute certainty of a GIC over a diversified, managed portfolio, the wealth gap over time cost the investor nearly double the growth.
True financial security isn’t just about protecting your principal today—it is about protecting what that money can actually buy you tomorrow.
Are your long-term savings keeping pace with inflation, or are they quietly losing power? Let’s review your portfolio to balance true safety with growth.
#FinancialPlanning #Inflation #GIC #WealthManagement #CanadianInvestors #PurchasingPower #InvestingTips #PortfolioGrowth
A "guaranteed return" does not mean your money is safe from losing its value.
Many investors lock their money into GICs or "safe" investments thinking they have completely eliminated risk. However, there is a silent risk that fixed-income investments cannot protect you against: inflation. If your money isn't growing faster than the rising cost of living, your purchasing power is actually shrinking.
Swipe through to see the massive difference between guaranteed safety and real wealth growth:
- The Purchasing Power Illusion: It feels good to know your principal is secure. However, inflation doesn't care about a guarantee. If your after-tax investment return is lower than the rate of inflation, you are quietly losing buying power every single year.
- The Data Doesn't Lie: Look at the growth chart tracking a $10,000 investment over a 16-year period (2009–2026). While 1-year, 3-year, and 5-year GICs slowly crawled up to finish between $12,578 and $13,984, a balanced income pool (like the Fidelity Balanced Income Priv Pool) grew to a staggering $27,401.
- The Real Cost of "Safety": By choosing the absolute certainty of a GIC over a diversified, managed portfolio, the wealth gap over time cost the investor nearly double the growth.
True financial security isn’t just about protecting your principal today—it is about protecting what that money can actually buy you tomorrow.
Are your long-term savings keeping pace with inflation, or are they quietly losing power? Let’s review your portfolio to balance true safety with growth.
#FinancialPlanning #Inflation #GIC #WealthManagement #CanadianInvestors #PurchasingPower #InvestingTips #PortfolioGrowth
Many investors lock their money into GICs or "safe" investments thinking they have completely eliminated risk. However, there is a silent risk that fixed-income investments cannot protect you against: inflation. If your money isn't growing faster than the rising cost of living, your purchasing power is actually shrinking.
Swipe through to see the massive difference between guaranteed safety and real wealth growth:
- The Purchasing Power Illusion: It feels good to know your principal is secure. However, inflation doesn't care about a guarantee. If your after-tax investment return is lower than the rate of inflation, you are quietly losing buying power every single year.
- The Data Doesn't Lie: Look at the growth chart tracking a $10,000 investment over a 16-year period (2009–2026). While 1-year, 3-year, and 5-year GICs slowly crawled up to finish between $12,578 and $13,984, a balanced income pool (like the Fidelity Balanced Income Priv Pool) grew to a staggering $27,401.
- The Real Cost of "Safety": By choosing the absolute certainty of a GIC over a diversified, managed portfolio, the wealth gap over time cost the investor nearly double the growth.
True financial security isn’t just about protecting your principal today—it is about protecting what that money can actually buy you tomorrow.
Are your long-term savings keeping pace with inflation, or are they quietly losing power? Let’s review your portfolio to balance true safety with growth.
#FinancialPlanning #Inflation #GIC #WealthManagement #CanadianInvestors #PurchasingPower #InvestingTips #PortfolioGrowth
We had a great time joining the Kids Biz Camp for lunch and a special training session last Tuesday!
Kim had the privilege of teaching these young entrepreneurs all about customer service and how to successfully sell their products. We were very impressed by how much these kids already know—they are absolute rock stars and true future community leaders!
A huge shoutout to Ken Reimer and the amazing team at Community Futures Heartland for running such a fantastic camp. Grateful for the opportunity to spend time with and speak to this wonderful group!
#community #business #kidsbizcamp #youngentrepreneurs #CommunityFuturesHeartland #FutureLeaders
Kim had the privilege of teaching these young entrepreneurs all about customer service and how to successfully sell their products. We were very impressed by how much these kids already know—they are absolute rock stars and true future community leaders!
A huge shoutout to Ken Reimer and the amazing team at Community Futures Heartland for running such a fantastic camp. Grateful for the opportunity to spend time with and speak to this wonderful group!
#community #business #kidsbizcamp #youngentrepreneurs #CommunityFuturesHeartland #FutureLeaders
We had a great time joining the Kids Biz Camp for lunch and a special training session last Tuesday!
Kim had the privilege of teaching these young entrepreneurs all about customer service and how to successfully sell their products. We were very impressed by how much these kids already know—they are absolute rock stars and true future community leaders!
A huge shoutout to Ken Reimer and the amazing team at Community Futures Heartland for running such a fantastic camp. Grateful for the opportunity to spend time with and speak to this wonderful group!
#community #business #kidsbizcamp #youngentrepreneurs #CommunityFuturesHeartland #FutureLeaders
Kim had the privilege of teaching these young entrepreneurs all about customer service and how to successfully sell their products. We were very impressed by how much these kids already know—they are absolute rock stars and true future community leaders!
A huge shoutout to Ken Reimer and the amazing team at Community Futures Heartland for running such a fantastic camp. Grateful for the opportunity to spend time with and speak to this wonderful group!
#community #business #kidsbizcamp #youngentrepreneurs #CommunityFuturesHeartland #FutureLeaders
Take control of your financial future—zero pressure, all strategy.
Join Victorious Financial Services on August 25th at 7:00 PM for our free live webinar, Mastering Your Money. We are breaking down the essentials of:
🔹 Smart savings & investment setups
🔹 Mastering your credit score
🔹 Practical steps for first-home planning
Build a clear financial roadmap using simple concepts you can actually use.
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#FinancialFreedom #Wealth101 #CreditBasics #HomeBuyingTips #VictoriousFinancial
Join Victorious Financial Services on August 25th at 7:00 PM for our free live webinar, Mastering Your Money. We are breaking down the essentials of:
🔹 Smart savings & investment setups
🔹 Mastering your credit score
🔹 Practical steps for first-home planning
Build a clear financial roadmap using simple concepts you can actually use.
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#FinancialFreedom #Wealth101 #CreditBasics #HomeBuyingTips #VictoriousFinancial
Take control of your financial future—zero pressure, all strategy.
Join Victorious Financial Services on August 25th at 7:00 PM for our free live webinar, Mastering Your Money. We are breaking down the essentials of:
🔹 Smart savings & investment setups
🔹 Mastering your credit score
🔹 Practical steps for first-home planning
Build a clear financial roadmap using simple concepts you can actually use.
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#FinancialFreedom #Wealth101 #CreditBasics #HomeBuyingTips #VictoriousFinancial
Join Victorious Financial Services on August 25th at 7:00 PM for our free live webinar, Mastering Your Money. We are breaking down the essentials of:
🔹 Smart savings & investment setups
🔹 Mastering your credit score
🔹 Practical steps for first-home planning
Build a clear financial roadmap using simple concepts you can actually use.
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#FinancialFreedom #Wealth101 #CreditBasics #HomeBuyingTips #VictoriousFinancial
When you think about portfolio management, what is the first thing that comes to mind?
For most people, it is market volatility and risk tolerance. While managing investment risk is a massive part of what we do, it is only half of the equation. There is a silent partner in your portfolio that can quietly drain your returns if left unchecked: taxes.
Swipe through to see why managing tax is just as critical as managing risk:
- The Real Return Equation: Most investors live by the rule "higher risk equals higher return." But a high rate of return on paper doesn't mean much if a massive chunk of it is handed over to the CRA at tax time.
- A Tale of Two 6% Returns: Imagine two identical portfolios both earning a 6% return. One is structured efficiently to maximize capital gains and Canadian dividend tax credits. The other is heavily exposed to fully taxable interest income. Even though they performed exactly the same in the market, the tax-efficient portfolio leaves the investor with thousands of dollars more in actual take-home cash flow.
- True Wealth Management: Protecting your wealth means building a strategy around asset location—ensuring the right investments are held in the right accounts (like TFSAs, RRSPs, or corporate structures) to minimize the tax drag.
Earning more is great, but keeping more is how you actually build long-term wealth.
Is your current financial strategy ignoring the tax side of the equation? Let's take a look at how we can optimize your portfolio's tax efficiency. Reach out today!
#FinancialPlanning #TaxEfficiency #InvestingTips #WealthManagement #CanadianInvestors #RiskManagement #AssetLocation #PortfolioStrategy
For most people, it is market volatility and risk tolerance. While managing investment risk is a massive part of what we do, it is only half of the equation. There is a silent partner in your portfolio that can quietly drain your returns if left unchecked: taxes.
Swipe through to see why managing tax is just as critical as managing risk:
- The Real Return Equation: Most investors live by the rule "higher risk equals higher return." But a high rate of return on paper doesn't mean much if a massive chunk of it is handed over to the CRA at tax time.
- A Tale of Two 6% Returns: Imagine two identical portfolios both earning a 6% return. One is structured efficiently to maximize capital gains and Canadian dividend tax credits. The other is heavily exposed to fully taxable interest income. Even though they performed exactly the same in the market, the tax-efficient portfolio leaves the investor with thousands of dollars more in actual take-home cash flow.
- True Wealth Management: Protecting your wealth means building a strategy around asset location—ensuring the right investments are held in the right accounts (like TFSAs, RRSPs, or corporate structures) to minimize the tax drag.
Earning more is great, but keeping more is how you actually build long-term wealth.
Is your current financial strategy ignoring the tax side of the equation? Let's take a look at how we can optimize your portfolio's tax efficiency. Reach out today!
#FinancialPlanning #TaxEfficiency #InvestingTips #WealthManagement #CanadianInvestors #RiskManagement #AssetLocation #PortfolioStrategy
When you think about portfolio management, what is the first thing that comes to mind?
For most people, it is market volatility and risk tolerance. While managing investment risk is a massive part of what we do, it is only half of the equation. There is a silent partner in your portfolio that can quietly drain your returns if left unchecked: taxes.
Swipe through to see why managing tax is just as critical as managing risk:
- The Real Return Equation: Most investors live by the rule "higher risk equals higher return." But a high rate of return on paper doesn't mean much if a massive chunk of it is handed over to the CRA at tax time.
- A Tale of Two 6% Returns: Imagine two identical portfolios both earning a 6% return. One is structured efficiently to maximize capital gains and Canadian dividend tax credits. The other is heavily exposed to fully taxable interest income. Even though they performed exactly the same in the market, the tax-efficient portfolio leaves the investor with thousands of dollars more in actual take-home cash flow.
- True Wealth Management: Protecting your wealth means building a strategy around asset location—ensuring the right investments are held in the right accounts (like TFSAs, RRSPs, or corporate structures) to minimize the tax drag.
Earning more is great, but keeping more is how you actually build long-term wealth.
Is your current financial strategy ignoring the tax side of the equation? Let's take a look at how we can optimize your portfolio's tax efficiency. Reach out today!
#FinancialPlanning #TaxEfficiency #InvestingTips #WealthManagement #CanadianInvestors #RiskManagement #AssetLocation #PortfolioStrategy
For most people, it is market volatility and risk tolerance. While managing investment risk is a massive part of what we do, it is only half of the equation. There is a silent partner in your portfolio that can quietly drain your returns if left unchecked: taxes.
Swipe through to see why managing tax is just as critical as managing risk:
- The Real Return Equation: Most investors live by the rule "higher risk equals higher return." But a high rate of return on paper doesn't mean much if a massive chunk of it is handed over to the CRA at tax time.
- A Tale of Two 6% Returns: Imagine two identical portfolios both earning a 6% return. One is structured efficiently to maximize capital gains and Canadian dividend tax credits. The other is heavily exposed to fully taxable interest income. Even though they performed exactly the same in the market, the tax-efficient portfolio leaves the investor with thousands of dollars more in actual take-home cash flow.
- True Wealth Management: Protecting your wealth means building a strategy around asset location—ensuring the right investments are held in the right accounts (like TFSAs, RRSPs, or corporate structures) to minimize the tax drag.
Earning more is great, but keeping more is how you actually build long-term wealth.
Is your current financial strategy ignoring the tax side of the equation? Let's take a look at how we can optimize your portfolio's tax efficiency. Reach out today!
#FinancialPlanning #TaxEfficiency #InvestingTips #WealthManagement #CanadianInvestors #RiskManagement #AssetLocation #PortfolioStrategy
Congratulations to Brittany on passing all of her LLQP exams - a significant milestone and incredible accomplishment!
This achievement reflects her hard work, dedication, and commitment to growing professionally. At Victorious Financial Services, we believe that investing in continuous learning allows us to better serve our clients with excellence, and Brittany's success is a wonderful example of that commitment.
We are so proud to have Brittany as part of our team and can't wait to see all she accomplishes in this next chapter.
Please join us in congratulating Brittany on this well-deserved achievement!
This achievement reflects her hard work, dedication, and commitment to growing professionally. At Victorious Financial Services, we believe that investing in continuous learning allows us to better serve our clients with excellence, and Brittany's success is a wonderful example of that commitment.
We are so proud to have Brittany as part of our team and can't wait to see all she accomplishes in this next chapter.
Please join us in congratulating Brittany on this well-deserved achievement!
Congratulations to Brittany on passing all of her LLQP exams - a significant milestone and incredible accomplishment!
This achievement reflects her hard work, dedication, and commitment to growing professionally. At Victorious Financial Services, we believe that investing in continuous learning allows us to better serve our clients with excellence, and Brittany's success is a wonderful example of that commitment.
We are so proud to have Brittany as part of our team and can't wait to see all she accomplishes in this next chapter.
Please join us in congratulating Brittany on this well-deserved achievement!
This achievement reflects her hard work, dedication, and commitment to growing professionally. At Victorious Financial Services, we believe that investing in continuous learning allows us to better serve our clients with excellence, and Brittany's success is a wonderful example of that commitment.
We are so proud to have Brittany as part of our team and can't wait to see all she accomplishes in this next chapter.
Please join us in congratulating Brittany on this well-deserved achievement!
Is the CRA taking a bigger portion out of your investments than you are keeping?
When you build a portfolio, it is easy to focus entirely on the top-line rate of return. However, what truly matters is what you actually get to keep in your pocket after taxes. In Canada, different types of investment income are taxed very differently.
Swipe through to see the breakdown of how the CRA treats $100,000 across interest, dividends, and capital gains:
- Interest Income: Earning money from GICs or high-interest savings accounts feels safe. But because it is taxed at your full marginal rate, high earners can lose over half ($53,530) straight to the government.
- Canadian Dividends: Eligible dividends from Canadian corporations receive a tax credit. This leaves you with significantly more cash flow ($60,660) compared to straight interest.
- Capital Gains: Selling an asset for a profit is one of the most tax-efficient ways to build wealth. Since only a portion of the gain is taxable, you keep a much larger slice of the pie ($73,235).
As the saying goes: It's not always about earning more. Sometimes it's about keeping more. Structuring your portfolio for tax efficiency can save you tens of thousands of dollars over time.
Are your investments structured to minimize your tax bill? Let’s look at your asset location strategy. Reach out today!
#TaxEfficiency #CanadianTax #InvestingTips #WealthManagement #FinancialPlanning #CRA #CapitalGains #DividendInvesting
When you build a portfolio, it is easy to focus entirely on the top-line rate of return. However, what truly matters is what you actually get to keep in your pocket after taxes. In Canada, different types of investment income are taxed very differently.
Swipe through to see the breakdown of how the CRA treats $100,000 across interest, dividends, and capital gains:
- Interest Income: Earning money from GICs or high-interest savings accounts feels safe. But because it is taxed at your full marginal rate, high earners can lose over half ($53,530) straight to the government.
- Canadian Dividends: Eligible dividends from Canadian corporations receive a tax credit. This leaves you with significantly more cash flow ($60,660) compared to straight interest.
- Capital Gains: Selling an asset for a profit is one of the most tax-efficient ways to build wealth. Since only a portion of the gain is taxable, you keep a much larger slice of the pie ($73,235).
As the saying goes: It's not always about earning more. Sometimes it's about keeping more. Structuring your portfolio for tax efficiency can save you tens of thousands of dollars over time.
Are your investments structured to minimize your tax bill? Let’s look at your asset location strategy. Reach out today!
#TaxEfficiency #CanadianTax #InvestingTips #WealthManagement #FinancialPlanning #CRA #CapitalGains #DividendInvesting
Is the CRA taking a bigger portion out of your investments than you are keeping?
When you build a portfolio, it is easy to focus entirely on the top-line rate of return. However, what truly matters is what you actually get to keep in your pocket after taxes. In Canada, different types of investment income are taxed very differently.
Swipe through to see the breakdown of how the CRA treats $100,000 across interest, dividends, and capital gains:
- Interest Income: Earning money from GICs or high-interest savings accounts feels safe. But because it is taxed at your full marginal rate, high earners can lose over half ($53,530) straight to the government.
- Canadian Dividends: Eligible dividends from Canadian corporations receive a tax credit. This leaves you with significantly more cash flow ($60,660) compared to straight interest.
- Capital Gains: Selling an asset for a profit is one of the most tax-efficient ways to build wealth. Since only a portion of the gain is taxable, you keep a much larger slice of the pie ($73,235).
As the saying goes: It's not always about earning more. Sometimes it's about keeping more. Structuring your portfolio for tax efficiency can save you tens of thousands of dollars over time.
Are your investments structured to minimize your tax bill? Let’s look at your asset location strategy. Reach out today!
#TaxEfficiency #CanadianTax #InvestingTips #WealthManagement #FinancialPlanning #CRA #CapitalGains #DividendInvesting
When you build a portfolio, it is easy to focus entirely on the top-line rate of return. However, what truly matters is what you actually get to keep in your pocket after taxes. In Canada, different types of investment income are taxed very differently.
Swipe through to see the breakdown of how the CRA treats $100,000 across interest, dividends, and capital gains:
- Interest Income: Earning money from GICs or high-interest savings accounts feels safe. But because it is taxed at your full marginal rate, high earners can lose over half ($53,530) straight to the government.
- Canadian Dividends: Eligible dividends from Canadian corporations receive a tax credit. This leaves you with significantly more cash flow ($60,660) compared to straight interest.
- Capital Gains: Selling an asset for a profit is one of the most tax-efficient ways to build wealth. Since only a portion of the gain is taxable, you keep a much larger slice of the pie ($73,235).
As the saying goes: It's not always about earning more. Sometimes it's about keeping more. Structuring your portfolio for tax efficiency can save you tens of thousands of dollars over time.
Are your investments structured to minimize your tax bill? Let’s look at your asset location strategy. Reach out today!
#TaxEfficiency #CanadianTax #InvestingTips #WealthManagement #FinancialPlanning #CRA #CapitalGains #DividendInvesting
Don't just automatically hit "renew" on your maturing GIC without looking at the bigger picture first.
While Guaranteed Investment Certificates (GICs) offer peace of mind and safety, they might be quietly eroding your wealth over the long term. Before you lock your money away again, consider how inflation and taxes impact your actual take-home returns.
Swipe through to see why the answer isn't always another GIC:
The Inflation Bite: When you factor in the rising cost of living, your "real" return on a GIC can often dip into negative territory.
The Power of Compounding: Over time, diversified investment pools historically outperform standard GICs, drastically widening your wealth gap.
The Tax Drag: GIC interest is taxed at your highest marginal rate, whereas Canadian dividends and capital gains receive much more favorable tax treatment.
Corporate Inefficiency: For business owners, holding passive interest income inside a corporation can be incredibly tax-inefficient.
Before your next renewal, ask yourself if you are optimizing for short-term safety, or true, long-term purchasing power.
While Guaranteed Investment Certificates (GICs) offer peace of mind and safety, they might be quietly eroding your wealth over the long term. Before you lock your money away again, consider how inflation and taxes impact your actual take-home returns.
Swipe through to see why the answer isn't always another GIC:
The Inflation Bite: When you factor in the rising cost of living, your "real" return on a GIC can often dip into negative territory.
The Power of Compounding: Over time, diversified investment pools historically outperform standard GICs, drastically widening your wealth gap.
The Tax Drag: GIC interest is taxed at your highest marginal rate, whereas Canadian dividends and capital gains receive much more favorable tax treatment.
Corporate Inefficiency: For business owners, holding passive interest income inside a corporation can be incredibly tax-inefficient.
Before your next renewal, ask yourself if you are optimizing for short-term safety, or true, long-term purchasing power.
Don't just automatically hit "renew" on your maturing GIC without looking at the bigger picture first.
While Guaranteed Investment Certificates (GICs) offer peace of mind and safety, they might be quietly eroding your wealth over the long term. Before you lock your money away again, consider how inflation and taxes impact your actual take-home returns.
Swipe through to see why the answer isn't always another GIC:
The Inflation Bite: When you factor in the rising cost of living, your "real" return on a GIC can often dip into negative territory.
The Power of Compounding: Over time, diversified investment pools historically outperform standard GICs, drastically widening your wealth gap.
The Tax Drag: GIC interest is taxed at your highest marginal rate, whereas Canadian dividends and capital gains receive much more favorable tax treatment.
Corporate Inefficiency: For business owners, holding passive interest income inside a corporation can be incredibly tax-inefficient.
Before your next renewal, ask yourself if you are optimizing for short-term safety, or true, long-term purchasing power.
While Guaranteed Investment Certificates (GICs) offer peace of mind and safety, they might be quietly eroding your wealth over the long term. Before you lock your money away again, consider how inflation and taxes impact your actual take-home returns.
Swipe through to see why the answer isn't always another GIC:
The Inflation Bite: When you factor in the rising cost of living, your "real" return on a GIC can often dip into negative territory.
The Power of Compounding: Over time, diversified investment pools historically outperform standard GICs, drastically widening your wealth gap.
The Tax Drag: GIC interest is taxed at your highest marginal rate, whereas Canadian dividends and capital gains receive much more favorable tax treatment.
Corporate Inefficiency: For business owners, holding passive interest income inside a corporation can be incredibly tax-inefficient.
Before your next renewal, ask yourself if you are optimizing for short-term safety, or true, long-term purchasing power.
Happy 18th Sun Life work anniversary to our incredible boss and President, Kim!
Kim has partnered alongside Sun Life for 18 years, now steering Victorious Financial Services with exceptional leadership and a deep commitment to our community. Thank you for your steady guidance that keeps our team and our clients growing year after year!
#FinancialServices #Milestone #ThankYou
Kim has partnered alongside Sun Life for 18 years, now steering Victorious Financial Services with exceptional leadership and a deep commitment to our community. Thank you for your steady guidance that keeps our team and our clients growing year after year!
#FinancialServices #Milestone #ThankYou
Happy 18th Sun Life work anniversary to our incredible boss and President, Kim!
Kim has partnered alongside Sun Life for 18 years, now steering Victorious Financial Services with exceptional leadership and a deep commitment to our community. Thank you for your steady guidance that keeps our team and our clients growing year after year!
#FinancialServices #Milestone #ThankYou
Kim has partnered alongside Sun Life for 18 years, now steering Victorious Financial Services with exceptional leadership and a deep commitment to our community. Thank you for your steady guidance that keeps our team and our clients growing year after year!
#FinancialServices #Milestone #ThankYou
Happy Birthday to our incredible Client Services Manager, Maureen!
Maureen keeps our entire team organized and running smoothly every single day, and we are so incredibly grateful for everything she does. Her dedication ensures that our clients always receive the highest level of care, warmth, and support.
Maureen keeps our entire team organized and running smoothly every single day, and we are so incredibly grateful for everything she does. Her dedication ensures that our clients always receive the highest level of care, warmth, and support.
Happy Birthday to our incredible Client Services Manager, Maureen!
Maureen keeps our entire team organized and running smoothly every single day, and we are so incredibly grateful for everything she does. Her dedication ensures that our clients always receive the highest level of care, warmth, and support.
Maureen keeps our entire team organized and running smoothly every single day, and we are so incredibly grateful for everything she does. Her dedication ensures that our clients always receive the highest level of care, warmth, and support.
We had a great time at the Carman Country Fair last week supporting the Carman & Area 4-H Steer Auction! Proud to stand behind local youth in agriculture and be a part of a community that shows up every year!
#4HManitoba #supportlocalag #4HBeef #proudsupporter #communitysupport
#4HManitoba #supportlocalag #4HBeef #proudsupporter #communitysupport
We had a great time at the Carman Country Fair last week supporting the Carman & Area 4-H Steer Auction! Proud to stand behind local youth in agriculture and be a part of a community that shows up every year!
#4HManitoba #supportlocalag #4HBeef #proudsupporter #communitysupport
#4HManitoba #supportlocalag #4HBeef #proudsupporter #communitysupport
A huge thank you to everyone who joined the Victorious Financial Services team this past Wednesday for our 3rd Annual Farm & Business Planning Seminar!
It was a pleasure connecting with so many dedicated local farmers and business owners. We hope you walked away with valuable insights and practical strategies to secure the financial future of your operation.
A special shoutout to our fantastic guest speakers, Jesse Peikoff, Scott Johnston, Liam Jones, and Thomas Wimmer for sharing their expertise!
Finally, a big thank you to Tracy Bernard for catering our event and providing the amazing food!
If you have follow-up questions or want to start building a customized plan for your goals, reach out to our team today.
Missed out this year? Stay tuned for updates regarding next year's event.
#FarmPlanning #BusinessGrowth #FinancialPlanning #VictoriousFinancialServices
It was a pleasure connecting with so many dedicated local farmers and business owners. We hope you walked away with valuable insights and practical strategies to secure the financial future of your operation.
A special shoutout to our fantastic guest speakers, Jesse Peikoff, Scott Johnston, Liam Jones, and Thomas Wimmer for sharing their expertise!
Finally, a big thank you to Tracy Bernard for catering our event and providing the amazing food!
If you have follow-up questions or want to start building a customized plan for your goals, reach out to our team today.
Missed out this year? Stay tuned for updates regarding next year's event.
#FarmPlanning #BusinessGrowth #FinancialPlanning #VictoriousFinancialServices
A huge thank you to everyone who joined the Victorious Financial Services team this past Wednesday for our 3rd Annual Farm & Business Planning Seminar!
It was a pleasure connecting with so many dedicated local farmers and business owners. We hope you walked away with valuable insights and practical strategies to secure the financial future of your operation.
A special shoutout to our fantastic guest speakers, Jesse Peikoff, Scott Johnston, Liam Jones, and Thomas Wimmer for sharing their expertise!
Finally, a big thank you to Tracy Bernard for catering our event and providing the amazing food!
If you have follow-up questions or want to start building a customized plan for your goals, reach out to our team today.
Missed out this year? Stay tuned for updates regarding next year's event.
#FarmPlanning #BusinessGrowth #FinancialPlanning #VictoriousFinancialServices
It was a pleasure connecting with so many dedicated local farmers and business owners. We hope you walked away with valuable insights and practical strategies to secure the financial future of your operation.
A special shoutout to our fantastic guest speakers, Jesse Peikoff, Scott Johnston, Liam Jones, and Thomas Wimmer for sharing their expertise!
Finally, a big thank you to Tracy Bernard for catering our event and providing the amazing food!
If you have follow-up questions or want to start building a customized plan for your goals, reach out to our team today.
Missed out this year? Stay tuned for updates regarding next year's event.
#FarmPlanning #BusinessGrowth #FinancialPlanning #VictoriousFinancialServices
Happy 1-year work anniversary to Makkedah! As our Marketing Manager, she ties everything together behind the scenes, handling our social media, website, sponsorships, and events with so much creativity. Thank you for all your work towards growing the Victorious Financial Services brand!
Happy 1-year work anniversary to Makkedah! As our Marketing Manager, she ties everything together behind the scenes, handling our social media, website, sponsorships, and events with so much creativity. Thank you for all your work towards growing the Victorious Financial Services brand!
Happy 4-year work anniversary to Maureen! As our Client Services Manager, she is the amazing coordinator behind our client communications and the master of our schedules. Thank you for keeping us all organized and cared for, Maureen!
Happy 4-year work anniversary to Maureen! As our Client Services Manager, she is the amazing coordinator behind our client communications and the master of our schedules. Thank you for keeping us all organized and cared for, Maureen!
Thinking about retirement? Move from “a number” to a real plan. Income, timing, taxes and how you’ll use your savings all work better when they’re aligned. The sooner you explore your options, the more choices you may have later.
Thinking about retirement? Move from “a number” to a real plan. Income, timing, taxes and how you’ll use your savings all work better when they’re aligned. The sooner you explore your options, the more choices you may have later.
Last chance to RSVP to our annual Business and Farm Owner Planning Seminar this year!
Last chance to RSVP to our annual Business and Farm Owner Planning Seminar this year!
We’re thrilled to officially introduce Brittany, who brings incredible organization, reliability, and heart to our team!
Brittany works hard to keep our processes running efficiently with her natural ability to handle every detail seamlessly behind the scenes. With extensive experience in administrative and client support, she is passionate about creating a smooth, positive experience for everyone she interacts with. Her sharp eye for detail and thoughtful approach ensures that both our team and our clients feel well cared for, providing the support and clarity they deserve.
Outside of the office, Brittany values time spent exploring the great outdoors. She is passionate about camping, water sports, and traveling—always seeking out new places and making lasting memories with her family and friends!
We’re so thankful to have her on the team!
Brittany works hard to keep our processes running efficiently with her natural ability to handle every detail seamlessly behind the scenes. With extensive experience in administrative and client support, she is passionate about creating a smooth, positive experience for everyone she interacts with. Her sharp eye for detail and thoughtful approach ensures that both our team and our clients feel well cared for, providing the support and clarity they deserve.
Outside of the office, Brittany values time spent exploring the great outdoors. She is passionate about camping, water sports, and traveling—always seeking out new places and making lasting memories with her family and friends!
We’re so thankful to have her on the team!
We’re thrilled to officially introduce Brittany, who brings incredible organization, reliability, and heart to our team!
Brittany works hard to keep our processes running efficiently with her natural ability to handle every detail seamlessly behind the scenes. With extensive experience in administrative and client support, she is passionate about creating a smooth, positive experience for everyone she interacts with. Her sharp eye for detail and thoughtful approach ensures that both our team and our clients feel well cared for, providing the support and clarity they deserve.
Outside of the office, Brittany values time spent exploring the great outdoors. She is passionate about camping, water sports, and traveling—always seeking out new places and making lasting memories with her family and friends!
We’re so thankful to have her on the team!
Brittany works hard to keep our processes running efficiently with her natural ability to handle every detail seamlessly behind the scenes. With extensive experience in administrative and client support, she is passionate about creating a smooth, positive experience for everyone she interacts with. Her sharp eye for detail and thoughtful approach ensures that both our team and our clients feel well cared for, providing the support and clarity they deserve.
Outside of the office, Brittany values time spent exploring the great outdoors. She is passionate about camping, water sports, and traveling—always seeking out new places and making lasting memories with her family and friends!
We’re so thankful to have her on the team!
We’re excited to officially introduce Hayley Enns, our new Administrative Assistant at Victorious Financial Services!
Hayley joins us with years of experience in customer service and office support. Currently pursuing a Business Administration degree through Briercrest College, she brings incredible organization, creativity, and care to our team and our clients.
Hayley is active in her community and loves serving. When she’s not in the office or studying, you’ll find her on the volleyball court or heading out for a camping trip on the lake!
Hayley’s dedication helps us provide the clarity and protection our clients deserve. We are so thankful to have her on the team, be sure to say hello if you see her around the office!
#TeamSpotlight #VictoriousFinancial #SouthernManitoba #MeetTheTeam #CommunityFocused
Hayley joins us with years of experience in customer service and office support. Currently pursuing a Business Administration degree through Briercrest College, she brings incredible organization, creativity, and care to our team and our clients.
Hayley is active in her community and loves serving. When she’s not in the office or studying, you’ll find her on the volleyball court or heading out for a camping trip on the lake!
Hayley’s dedication helps us provide the clarity and protection our clients deserve. We are so thankful to have her on the team, be sure to say hello if you see her around the office!
#TeamSpotlight #VictoriousFinancial #SouthernManitoba #MeetTheTeam #CommunityFocused
We’re excited to officially introduce Hayley Enns, our new Administrative Assistant at Victorious Financial Services!
Hayley joins us with years of experience in customer service and office support. Currently pursuing a Business Administration degree through Briercrest College, she brings incredible organization, creativity, and care to our team and our clients.
Hayley is active in her community and loves serving. When she’s not in the office or studying, you’ll find her on the volleyball court or heading out for a camping trip on the lake!
Hayley’s dedication helps us provide the clarity and protection our clients deserve. We are so thankful to have her on the team, be sure to say hello if you see her around the office!
#TeamSpotlight #VictoriousFinancial #SouthernManitoba #MeetTheTeam #CommunityFocused
Hayley joins us with years of experience in customer service and office support. Currently pursuing a Business Administration degree through Briercrest College, she brings incredible organization, creativity, and care to our team and our clients.
Hayley is active in her community and loves serving. When she’s not in the office or studying, you’ll find her on the volleyball court or heading out for a camping trip on the lake!
Hayley’s dedication helps us provide the clarity and protection our clients deserve. We are so thankful to have her on the team, be sure to say hello if you see her around the office!
#TeamSpotlight #VictoriousFinancial #SouthernManitoba #MeetTheTeam #CommunityFocused
We are so excited to invite you to our annual Business and Farm Owner Financial Planning Seminar this year!
Reach out for more information!
Reach out for more information!
We are so excited to invite you to our annual Business and Farm Owner Financial Planning Seminar this year!
Reach out for more information!
Reach out for more information!
We're growing and looking for the right person to grow with us!
If you're passionate about helping people, building meaningful relationships, and pursuing a career with purpose, we'd love to connect.
More job information here: https://ca.indeed.com/viewjob?jk=05ce3e7c9a6e0d4b&from=shareddesktop_copy
If you're passionate about helping people, building meaningful relationships, and pursuing a career with purpose, we'd love to connect.
More job information here: https://ca.indeed.com/viewjob?jk=05ce3e7c9a6e0d4b&from=shareddesktop_copy
We're growing and looking for the right person to grow with us!
If you're passionate about helping people, building meaningful relationships, and pursuing a career with purpose, we'd love to connect.
More job information here: https://ca.indeed.com/viewjob?jk=05ce3e7c9a6e0d4b&from=shareddesktop_copy
If you're passionate about helping people, building meaningful relationships, and pursuing a career with purpose, we'd love to connect.
More job information here: https://ca.indeed.com/viewjob?jk=05ce3e7c9a6e0d4b&from=shareddesktop_copy
Business owners, are you so focused on your company that your personal finances have been put on hold?
Let's work together to create a financial roadmap that supports both your business ambitions and personal dreams.
Get started here > https://advisor.sunlife.ca/kimberley.jensen.doty/
Let's work together to create a financial roadmap that supports both your business ambitions and personal dreams.
Get started here > https://advisor.sunlife.ca/kimberley.jensen.doty/
Business owners, are you so focused on your company that your personal finances have been put on hold?
Let's work together to create a financial roadmap that supports both your business ambitions and personal dreams.
Get started here > https://advisor.sunlife.ca/kimberley.jensen.doty/
Let's work together to create a financial roadmap that supports both your business ambitions and personal dreams.
Get started here > https://advisor.sunlife.ca/kimberley.jensen.doty/
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 the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.