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M O N D A Y, N O V E M B E R 2 0 , 2 0 1 7
REGINA LEADER-POST
financial planning Week 2017
your money smarts affect your quality of life How financially savvy, or money-smart are you? And just what is financial savvy, money smarts or financial literacy, anyway? Overall, Canadians are very smart, educated people. More Canadians have a post-secondary degree than do people in any other country. But our money smarts leave something to be desired. There’s a dearth of financial savvy across the generations. That’s a key reason why in June 2015 the federal government launched Count me in, Canada. It’s our national strategy for increasing financial literacy in this country. Whatever you call it – financial literacy, financial savvy or money smarts, it’s something you should pay attention to every day. Because your money smarts can affect your quality of life. u n d e R s ta n d i n g w h at “ f i na n c i a l s av v y ” means
Broadly, the main things encompassing personal finance – and hence financial savvy – are: • money, credit and debt management, and • saving, spending and investing. There are many facets within these two main areas, including: • creating a budget and sticking to it • choosing the right credit card – and why you should have one • knowing the difference be-
tween TFSAs, mutual funds and exchange traded funds • lines of credit versus credit cards • why paying attention to your credit score is important • investing in life insurance and living benefits coverage • having a financial safety net for unexpected things • why it’s important to start saving for the future early • how compound interest works • how and why having a financial advisor can help you Hav i n g m o n e y s m a r t s means having a good practical knowledge and understanding of how all these things work together. Not only that, but also how to make them work best together for you. How savvy you are about all of them really can affect your quality of life. l e s s f i na n c i a l ly s av v y, l ow e R q ua l i t y of life
Let’s say you signed up for a credit card while in college. A bank rep was on a campus drive one day. He explained getting a credit card will help you establish a credit rating. You bought the sales pitch. But you didn’t first make sure it was the right credit card for you… because you didn’t know that’s important to do. Then you got into the bad habit of paying on credit instead of your using your debit card. And you never got into the good habit of paying the balance off in full every month, or paying as much as you can afford instead of just
the minimum monthly payment. A decade later, your credit card debt’s out of hand. You’re constantly buried under it plus a mountain of utility bills, vehicle payments, auto insurance and mortgage payments every month. You’ve got to put food on the table; and keep yourself and your child clothed. You never had an allowance when you were a kid, so you never learned money-management skills early. As a result of that, you never made sure you had enough in a savings account for a safety net. Now you’re not bringing in enough household income to cover all the monthly expenses. Your credit score’s in the sewer. The consulting business you started after being laid off twice in the changing work world hasn’t taken off yet. You’ve been barely surviving on your partner’s salary. It’s overwhelming for both of you. You’re under constant financial duress. All you can think about is the very real possibility of losing everything you’ ve worked for. You’re wondering where you went wrong. All this constant financial stress is affecting your health and your relationships. It’s not a pleasant situation. It’s not the quality of life you thought you’d have at this point. c o m f o Rt s t h at come with being f i na n c i a l ly s av v y
Meanwhile your 30-something, next-door neighbour
– we’ll call her Lisa – has a starkly different quality of life. She has, it seems, won the lottery or come into a substantial inheritance. She’s earning a good living in marketing, and seems to be living in comfort and style. She’s always cheerful and happy. You’re feeling very resentful towards your neighbour. Truth is, Lisa is just money smart. Much more so than you. She has just bought a new pick-up truck; is having her home totally renovated; travelled to both Ireland and Australia this year; has a retirement nest-egg that makes money for her while she sleeps; and revels in being a foodie. At the annual neighbourhood summer barbecue Lisa went on endlessly about her favourite meals at all the trendy restaurants she and her boyfriend Jonathan visit regularly. They’re planning on having their first child next year. They’re not going to the expense of getting married. That’s because they’ve been together five years and know they can use the same tax strategies living common-law. They’ve already started putting aside money that’ ll go into a registered education savings plan when the time comes. And they’re planning on being mortgage free in 10 years. You, on the other hand, may eventually get out of the hole you’re in and on a better track. But it’s going to take some hard work, discipline and getting more money
savvy to be comfortable doing all this on your own. If you haven’t got the money smarts or comfort level to do your own investing in your future, get help. The most financially savvy thing you could do is turn to a professional financial advisor. Whether you’re a wealthy high-income earner with a lot of disposable income or in Canada’s middle class and concerned about your financial future, an advisor can help you make the best decision about your financial interests. R e s e a R c h s h ow s t h e va l u e
Vanguard noted in its
study that 75 per cent of individuals don’t manage their own investments. And research by Russell Investments, a money management firm, shows you can increase your returns 3.75 per cent through working with a professional financial advisor who follows best practices. Other research has shown your investment returns can be almost four times greater than without having an advisor. helping you assess R i s k c o m f o Rt
Maybe you’re thinking about a guaranteed income certificate (GIC) or a tax-free savings account (TFSA) in
Some goals are definitely worth saving for.
which to invest some money for your goals and interests. Or maybe you’re thinking about buying some shares and playing the stock market to build a retirement fund. How do you really know whether that GIC or TFSA is really the best option for you? And do you really know how much investment risk you’d be comfortable with? If you sit down with a financial advisor and talk about your situation, your needs and your interests, one of the first things he or she will do is walk you through an investment risk questionnaire. It only takes a few minutes. It will help you discover your risk level (low, moderate or high), and what kinds of investments are appropriate for your comfort level. Vanguard calls the increase in returns you can have by working with a professional financial advisor, the Advisor’s Alpha. s ev e n b e n e f i t s t o woRking with a f i na n c i a l a dv i s o R
According to Vanguard, there are seven ways a financial advisor can add value for you: 1. The right asset allocation. Everything starts here, so this is probably the most important thing your advisor can do for you. 2. Guiding you on total return versus income investing. Maybe you have an annual income in mind that you’d like to reach with dividends and interest. That’s income investing. But if you get fixated on reaching specific numbers every year, and put too much emphasis on income investing, you could end up taking too much risk. And that could be disastrous. An advisor can show you how and why
Come chat with us today! conexus.ca
A 2014 Angus Reid poll done for TD Bank in the U.S. found 42 per cent of couples choose that last option. The survey showed independence is the top reason why 38 per cent of couples keep individual accounts. More women (43 per cent) than men (34 per cent) cited independence as their main
Many Canadians need a bit of a nudge to become more money smart. Consulting with a well-qualified financial advisor is a great first step to becoming financially savvy. They can help you prepare a financial plan and educate you about the best way to reach your goals. To
total return through diversification is a better way to look at your portfolio. Total return focuses on both income and money growth. 3 . R e b a l a n c i n g . Yo u r situation and markets can change, which means you sometimes need to shift the mix of your investments. The idea is to minimize your risk, not maximize your return. An advisor can help you make sure you don’t end up with more risk than you can afford if things change. At the same time, you could see your return increase. 4. Cost-effective investing. Maybe you’ve seen those television commercials about mutual funds in which the person is asking why they’re paying so much in fees and where their money’s going. A professional financial advisor can help identify investments that will help you meet your goals without breaking your piggy bank. 5. Asset location. This, of course, depends on your income level and the tax bracket you’re in. If you’re looking for tax advantages, a professional advisor can guide you on the best strategies for investing your money and getting desirable returns along with tax deductions available to you. 6. A strategy for withdrawal. With some investm e n t s , s u c h a s T F SA s , you’re not taxed when you withdraw money. But with things such as registered retirement savings plans, you are penalized for withdrawing any money early. It’s not a good idea to withdraw funds from your investments willy-nilly. According to Vanguard, being able to tap into the knowledge and expertise of a professional advisor can make a big difference if you need to withdraw funds. If
you’ve developed a relationship with an advisor, he or she will know your circumstances intimately, and be able to help you develop the best strategy. 7. Coaching. Remember the 2008 financial crisis? Some people lost a lot of the money they’d invested. It took a long time, but the markets eventually recovered. They go through cycles of ups and downs. And that can put you on a roller coaster of emotions, instincts and impulses. Having a professional advisor who’ll provide solid, steady advice based on facts to guide you through the cycles and help prevent you from doing something drastic that you could later regret, is invaluable. The Russell Investments study found coaching is the penultimate benefit of having a professional advisor. h ow d o y o u f i n d t h e R i g h t a dv i s o R f o R you?
For the most part, advisors rely on referrals to build their business. You’ll want to find an advisor with whom you’ ll be comfortable building a long-term, trusted relationship. So ask around. You can also find a professional financial advisor at ouradvisor.ca. This article was supplied by Advocis, The Financial Advisors Association of Canada. Find out more about building your financial knowledge by visiting mymoneysmarts.ca. Working with a professional financial advisor can help you accomplish your goals. To find an advisor in your area, visit ouradvisor.ca. You can follow the Advocis South Saskatchewan chapter on Facebook at facebook. com/AdvocisSouthSask.
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reason for having separate accounts. If you’re a millennial, marriage is less of an impetus for opening a joint account, according to the TD Bank survey. Millennial couples are pooling their money well before marriage. They’re tending to merge their accounts when they’re living together, and after they get engaged. Couples 55 and older didn’t do that until they got married, the poll found. Reasons to go joint
There are some good reasons to open a joint account
instead of having separate ones: • Everything is in one account, so you both know your total financial resources for paying expenses, spending and saving. • You both know where your money is being spent. • If anything happens to either of you, looking after estate finances will be a lot easier legally. Granted, having a joint account can get messy if you separate or divorce. But generally, it makes your financial life as a couple much easier: • Both of you can set up
online banking to pay bills. • Either of you can deposit and withdraw funds, and write cheques. • Each of you has a debit card. j o i n t ac c o u n t s a n d single incomes
It’s even more important to have at least one main, joint account when there’s only one income-earner: • If your income-earning partner dies suddenly, you could find yourself without funds to pay monthly bills, funeral costs or other estate expenses. • Unless it’s a joint ac-
count, set up so only one signature is required for transactions, the surviving partner won’t have access to the account. (If you’ve maintained separate accounts, you won’t have access to your partner’s money, either.) • If there’s no will, you may not be able to claim the money in a double-signature joint account (or separate account) until your partner’s estate goes through probate. This article was supplied by Advocis, The Financial Advisors Association of Canada.
With more than 11,000 members organized in 40 chapters across Canada, Advocis members assist millions of Canadians in achieving their financial goals.
This article was supplied by Advocis, The Financial Advisors Association of Canada. Find out more about building your financial knowledge by visiting mymoneysmarts.ca. Working with a professional financial advisor can help you accomplish your goals. To find an advisor in your area, visit ouradvisor.ca. You can follow the Advocis South Saskatchewan chapter on Facebook at facebook.com/AdvocisSouthSask.
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w h at t h e s u Rv ey s ay s a b o u t j o i n t ac c o u n t s
find an advisor near you, visit Advocis, The Financial Advisors Association of Canada, at www.advocis.ca, and follow the links, or go directly to ouradvisor.ca.
Do you really need a financial advisor? three out of four Canadians do. One of the questions financial advisors hear a lot is, “Why do I need a financial advisor?” The answer to that is two-fold: maybe you do, and maybe you don’t. If you have a lot of financial savvy, a good sense of how all the elements work together and you thrive on managing your own investments and financial interests, then you probably don’t need an advisor to help you. A study by Vanguard, one of the world’s largest investment companies, found 25 per cent of individuals manage their own investments. Sound overwhelming? It takes significant financial
• Maintain separate accounts. • Have both a joint account and separate savings accounts.
Your “money smarts” affect your quality of life. When you’re money smart, you can be more financially secure. You can indulge in your interests now plus make sure you’ve got the future covered. (Ph o t o : G et t y I m aG es )
ta k e t h e f i R s t s t e p t owa R d s b e i n g f i na n c i a l s av v y
REGINA LEADER-POST
should you keep separate or joint bank accounts?
When you find your soulmate, fall in love and decide to become life partners, your personal finances – your bank accounts in particular – take on a whole new dimension. Do you keep separate accounts? Or do you pool everything into a joint account? There’s really no definitive answer. It’s a matter of personal preference requiring a conversation with your partner. You could decide to: • Start with separate accounts, but merge them later. • Open a joint account right away.
smart. Several degrees of financial savvy separate Lisa’s quality of life from yours. When you’re money smart, you can be more financially secure. You can indulge in your interests now plus make sure you’ve got the future covered. It’s as simple as that.
M O N D A Y, N O V E M B E R 2 0 , 2 0 1 7
What unites our members is the emphasis they place on helping their clients prepare for every major life milestone. Financial advisors protect what is at stake – the financial security of Canadian families. Terry Brownell, CFP, RRC ChristineofIles President President of South Saskatchewan South Saskatchewan Chapter Chapter
MEMBERS PROVIDE ADVICE AND EXPERTISE IN A NUMBER OF AREAS, INCLUDING: ! Estate and retirement planning ! Tax planning
! Wealth and risk management ! Planned giving
YOUR SOUTH SASKATCHEWAN ADVOCIS CHAPTER Kelly Aikens CFP, CFP,CLU,CH.F.C., CEA KellyEAikens CLU, Jennie J. Aldworth CFP CH.F.C., CEA Jennie Aldworth CFP William P Allen CFP Ray J Anders William AllenCLU,CH.F.C. CFP James R Anderson Ray Anders CLU, CH.F.C. Donald WAnderson AndersonCFP CFPCHS CHS Donald Ron Areshenkoff JamesArlint Anderson Eloise CHS Ron Areshenkoff Robert S. Babchuk CHS Jocelyn Ann Bamford Eloise Arlint CHS CFP, CLU Thomas Bamford CHS Robert Babchuk John Barabe CFP,CLU, CIM Steven Bakouris Madison Barabe CFP, CHS Thomas Bamford David Stanley Barnard CFA, CA Chad K. Bast CHS CFP, CLU Jocelyn Bamford James A BealeCFP, CPCA, CHSCIM John Barabe CLU, Reynold Bert CFP David Barnard CFA, CFP,CLU,CH.F.C.,CHS CA Dwight G Blomander ChadJ. Bast CHS Alec Blundell Corwin James Boechler Beale CPCA, CHS Holly M. Bomboir Reynold Bert CFPCFP Alda T Bouvier CLU Dwight Blomander Kevin Drew Brady CFP, CLU, CH.F.C., CHS Alec Blundell Stacey W Brailean CFP, CIM, FCSI John R Brawn Corwin Boechler Becky BrennerCFP Holly L. Bomboir W. James Britton CFP, CLU Alda Bouvier CLU Jeffrey D. Brown CFP, RHU KevinABrady Garry Brown CFP,CLU,CH.F.C. Terry D Brownell CFP CIM, FCSI Stacey Brailean CFP, Lindsay Ashley Buhnai RHU John Brawn Lorne M Bultitude CFP,CLU,CH.F.C. Becky Brenner Connie L Bushell CHS W.Scott Britton CFP, CFP,CLU,CH.F.C.,CPCA CLU G. Calcutt Adam Calibaba JeffreyM.Brown CFP, RHU CGarry Randy Chapman RHU CH.F.C. Brown CFP, CLU, Robert L. Chmielnicki CFP, ASA Terry Brownell CFP Shane Clauson Deane Brumwell Jodi L Cobb Ken D Crosson Lindsay BuhnaiCFP RHU Darrel B. Daschuk Lorne G. Bultitude CFP,CHS CLU, CH.F.C. Dean A Davies CFP,CLU,CH.F.C., CHS Connie Bushell CHS Robert L Dean G. Scott Calcutt CFP, CLU, CH.F.C., CPCA John J Dean CFP,CLU,CH.F.C. Brandon M. Deering CHS Adam Calibaba Kristina F. Dickie John Cerato Sharon M. Dreis C Chapman RHUCLU George F Drever Trevor Cherry Leander D Dueck T.Robert Paul Dyck CFP,CLU,CH.F.C.,CHS L. Chmielnicki CFP, ASA Kathie Dyck CLU ShaneGClauson Jane F. Edquilane Jodi Cobb Ronald J. Eichel Ken Crosson Jerry L EliasonCFP Gilman S Ennis CFP,CLU,CH.F.C. Darrel Daschuk CHS Glen Fisher CFP, CLU, CH.F.C., CHS DeanRDavies Roberta J. Fonger Robert DeanFonger Errol Richard John ADean CFP, CLU, CH.F.C. Doug Foster CFP,CLU,CH.F.C.,RFP Malanie Frank CHS BrandonAnn Deering Gerry Gamble Tyler M Dickie CFP Joel M. Gartner Kristina Dickie Christopher K. Gerein Sharon Dreis Tina C. Getz
Loretta Ann Gimas George Drever CLU Brian R Golly Leander DueckCFP K. Mark Green Jim D. Greenwood Kathie Dyck CLU CFP,B.Admin Anne T. PaulMarie DyckHaas CFP, CLU, CH.F.C., CHS Larry REdquilane Hackel Jane Alden Donald Hagel RonaldREichel Darrell Hanoski Jerry Eliason Bill A Harris CLU,CH.F.C. Devin J. Harris CFP CLU, CH.F.C. Gilman Ennis CFP, Tanya MFargo Herman-Vanthuyne CFP, CHS Shune Carla M Hirsch Glen Fisher Susan L Hoffart CFP, RHU Roberta Fonger John B Hrycak CLU,CH.F.C. Harry Huebner CLU Errol FFonger Christine M. Iles Doug Foster CFP, CLU, CH.F.C., RFP Charles Keith Inches CLU,CH.F.C. Malanie Frank Lori Jasper FLMI Gerry Jasper Gamble Randy Brent T Johnson CLU Joel Gartner GBA Evan Cameron Jones Christopher Gerein Corinne Joy Kadin Tina Getz Grant C Karst CFP,CLU,CH.F.C. Loretta Gimas Kenneth A Kaytor Thomas J Keon Brian Golly Brian R Kilback K. Green CFP CFP,CLU,CH.F.C. Al Kimber CFP,R.F.P. LarryW.Hackel Glen Koshman Darrell NHanoski Claude Kotyk Ivan Paul Kozakewich Bill Harris CLU, CH.F.C. Jodi L. Krechowiecki Tracey Hartl-Chapman CHS Kurtis D. Krug Kevin Hassler Rick S Kullman TanyaLabuik Herman-Vanthuyne CFP, CHS Adam Murray D Lang Carla Hirsch Jocelyne Lang CFP, RHU Susan Hoffart Chad D. Lang John Hrycak Rosalie LaRoseCLU, CH.F.C. HarryBHuebner CLU Grant Laube CFP Meaghan Lawrence Christine T.Iles Brian L Leipert Charles InchesCFP,CLU,CH.F.C. CFP, CLU, CH.F.C. Timothy L Leipert Carrie James Dean H Lepage RandyJ Lewans Jasper CFP,CLU,CSA Mark Jeffrey A. Lightheart Lori Jasper FLMI CFP, CLU Gregory J LipothCLU Brent Johnson Jeffrey M Locke CFP,CLU,CHS Evan A. Jones Orion Lovequist Corinne Kadin Jenny J. Macknak Susan MacPhail Grant H. Karst CFP, CLU, CH.F.C. Kenneth Manz KennethWKaytor Barbara March-Burwell CFP Lance Kelln Amritpaul S. Mavi Thomas Keon Carla S. McConnell Peter Mcgeady BrianJKilback CFP, CLU, CH.F.C. Mary Jane M. McGrath Al Kimber CFP, R.F.P. Beth A. McNally Claude Kotyk Alvin N Metz Ivan Kozakewich Daryl M Milleker CFP,CLU,CH.F.C. Joseph H.P. Moffatt CFP Kurtis Krug Jason L. Moller Rick Kullman Tyler B. Monteyne AdamLLabuik Ralph Munchinsky CLU,CH.F.C. JocelyneD.Lang Michael Mushansky
Edmund N Niedzielski RHU Murray J.Lang Donald Norman Chad Lang Wendy D. O’Connor William Odishaw CFP,CLU,CH.F.C., CHS Rosalie NLaRose Cory OlafsonCFP GrantS Laube Cecilia J. Olver Meaghan Lawrence Edward Ortiz CFP Timothy Leipert Jane M Owen CHS Brian Leipert CFP,Parisone CLU, CH.F.C. Michael Anthony Adnan Parwez CFP, CLU, CHS Dean Lepage Stephanie N. Pateman Mark Lewans Dieter W PelzerCFP, CLU, CSA Jeffrey CFP Kevin D.Lightheart Philip Gregory Lipoth CFP,CLU Jack L Poliszczuk Jason Poulton CFP JeffreyD.Locke CFP, CLU, CHS Maricel M. Praxedes Orion Lovequist Ronald K Pugsley CFP,CLU,CH.F.C.,CHS Jenny Macknak Hilliard W Radford Susan MacPhail Raymond M. Riel CFP,CLU, CHS Kenneth Ripplinger KennethJManz Jake Ripplinger Barbara March-Burwell CFP Mercedita Rosete Amritpaul Mavi Darrell C. Ruchotzke JamesWMcClelland Aaron B Ruston CFP Jeremy P Saxby CFP Carla McConnell Roy A S RoannaSchamehorn McCoy Brian Schmidt CFP, CPCA Peter Mcgeady James T. Schutzman Mary Jane McGrath Kimberly GA Shaheen CHS, CLU Erin Shannon CFP BethLeigh McNally David Smart CFP KelleyEMcNeill Kevin L Smith Alvin Metz Nathan Smith DarylS. Milleker CFP, CLU, CH.F.C. Neil Smith CFP Michael K. Spicer Jayne Mitchell Jamie K.Moffatt Stangel CFP Joseph Mark G Stefan CFP,CLU,CH.F.C.,CHS Jason Moller Douglas D. Stroud TylerKMonteyne Fred Sundquist CFP,CLU,CH.F.C. Penny CFP CLU, CH.F.C. Ralph Swartz Munchinsky Chris Thompson Greg DMunro CFP CFP,CLU,CH.F.C.,CHS Gregory E Toews Michael Mushansky Abe E Toews CFP,CLU,CH.F.C.,CHS Edmund Norman ANiedzielski Tonnies RHU Rod M Tyler CFP, CLU,R.F.P. Donald Norman Terry M Uhryn Wendy O’Connor Dianna J Waffle William OdishawCFP CFP, CLU, CH.F.C., CHS Keith R. Warriner Cory Olafson Bill H Welk CFP,CLU Jonathan Jason Werner CFP Cecilia Olver Trudy D. Whippler Edward Ortiz CFPACS Scott Adam Wolbaum Jane Owen CHS CFP Michael Wolfond Michael Parisone Natasha L. Wolfond CFP G. Jeff Wood Adnan Parwez CFP, CLU, CHS Jack Wozniak CFP, CHS Stephanie Pateman Donald W Wyatt Dieter Pelzer Mitchell J. Zaba KevinB.D. Peyson Tyler Zaba CHS Brian Zaba CFP,CLU,CH.F.C. KevinAPhilip Barry Zapshalla DarioW. Piotto Shuai Zhang Matthew Pitts CFP Susan L Zmetana Jack Poliszczuk CLU Stephanie HanticCFP, Abitria
Lejdi JasonAgo Poulton Bradley T. AikensCFP Maricel Praxedes Gay Denise Anderson RonaldD.Pugsley Ashley BisskeyCFP, CLU, CH.F.C., CHS Paul Robert Born Hilliard Radford Heather Elaine Raymond Riel Brownell CFP, CLU, CHS Wesley Cates Kenneth Ripplinger Jenna Lily Day Mercedita Rosete Jennifer L. Deck Benjamin Douan Lanny Ross Lance DarrellDueck Ruchotzke Cuong Duong Cheryl Runn Karen Ann Eckert Aaron Ruston CFP Timothy Jireh Edquilane Roy Schamehorn Kayla Rachelle Elliott Diane M. Fahlman Brian Schmidt CFP, CPCA Zhaohui Fan James Schutzman Kristina Fentaeva Kimberly Shaheen CHS, CLU Tara N. Fuchs DavidDawn Smart Kylie Gavelin Angela C Hanoski Kevin Smith Dionn Hanoski NathanD.Smith Brenda A. Heath Neil Smith CFPHuebner Melinda Dawn Dale Ireland Smith Lidia Rapinder Kaur Michael Spicer Arinola Kayode-Fadare Terry Sproat Andrea Kerr Jamie Stangel Mark B. Kilback Mark Stefan CFP, CLU, CH.F.C., CHS Rachelle M. Klassen Douglas Stroud Anita M. Krupski Joel Kullman CFP, CLU, CH.F.C. FredD.Sundquist Chantelle M. LeBlanc Penny Swartz CFP Spencer W. Leippi Chris Thompson CFP, CLU, CH.F.C., CHS Collin Chase Lemieux Abe Toews CFP, CLU, CH.F.C., CHS Nancy Lightheart Peipei LiuToews Gregory Vivienne Ludwig Rod TylerC.CFP, CLU, R.F.P. Chad M. Macleod Terry Uhryn Andrea M. MacPherson Dianna Waffle Sebastian Marczak Trent Wagner CFP Brandi N. Mitrenga Kelsey B. Nagy CFP Keith Warriner Angela Oddo Bill Welk CFP, CLU Jered L. Oystrick Jonathan CFP Jeremy M. Werner Powlowski Trudy Whippler ACS Cristian Stewar Quintero Karen M. Rodger Scott Wolbaum Todd Wayne RusnakCFP Natasha Wolfond Daina Lee Schatz MichaelR Wolfond Jordan G Schulz CFP G. Wood Akash Sharma Cheryl N. Stanicky Jack Wozniak CFP, CHS Jill B. Stevenson Donald Wyatt Tina D Straza BrianMZaba CFP, CLU, CH.F.C. Shachaf Tcherni Mitchell Zaba Travis C.D. Thomas Tyler Zaba CHS CFP Donavon K Tofin Patrick M. Turlock Barry Zapshalla Charmaine Lynn Tweet Shuai Zhang Jennifer Ruth Walker JuneI.Zimmer Joan Walker Susan Zmetana CFP Marlene J. Wirachowsky
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