WealthBeing

Everyone is targeted by fraudsters - probably more often that you realize - and their techniques only get more sophisticated over time. As a credit union, we hear about scam attempts and victims every day, which is why we’ve invited Barbara Wittner, Assistant Manager of our Member Advice Centre to talk with Kevin, Sheena and Travis about the most common signs of fraud and how to protect your financial health.

2:30 What’s hot in money: There’s been more news lately about the price of alternative currencies, so our co-hosts explain why they’re on everyone’s mind and if they’re a good idea.

6:10 Expert Examination:

·         The prevalence of fraud in our lives today.

·         Identifying fake information from sources you usually trust.

·         How COVID-19 is creating new opportunities to be defrauded.

·         When searching for love could leave you financially broken up.

·         Why you should be skeptical of unexpected job offers.

·         When tech support is anything but helpful.

·         Why bitcoin and gift cards are a scam red flag.

·         Investment schemes that will ruin your retirement dreams.

·         How our credit union helps protect your money.

46:20 Financial Fix: In just a few minutes you can increase the barrier between scammers and your money.

If you have an undiagnosed financial concern or want to better understand a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

If you’d like some one-on-one advice from our Financial Advisors in British Columbia, connect with our Island Savings, Envision Financial, Valley First and Enderby District Financial divisions near you.

Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met E

Everyone is targeted by fraudsters - probably more often that you realize - and their techniques only get more sophisticated over time. As a credit union, we hear about scam attempts and victims every day, which is why we’ve invited Barbara Wittner, Assistant Manager of our Member Advice Centre to talk with Kevin, Sheena and Travis about the most common signs of fraud and how to protect your financial health.

2:30 What’s hot in money: There’s been more news lately about the price of alternative currencies, so our co-hosts explain why they’re on everyone’s mind and if they’re a good idea.

6:10 Expert Examination:

·         The prevalence of fraud in our lives today.

·         Identifying fake information from sources you usually trust.

·         How COVID-19 is creating new opportunities to be defrauded.

·         When searching for love could leave you financially broken up.

·         Why you should be skeptical of unexpected job offers.

·         When tech support is anything but helpful.

·         Why bitcoin and gift cards are a scam red flag.

·         Investment schemes that will ruin your retirement dreams.

·         How our credit union helps protect your money.

46:20 Financial Fix: In just a few minutes you can increase the barrier between scammers and your money.

If you have an undiagnosed financial concern or want to better understand a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

If you’d like some one-on-one advice from our Financial Advisors in British Columbia, connect with our Island Savings, Envision Financial, Valley First and Enderby District Financial divisions near you.

Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met E

THIS WEEK: With cash-in-hand, a couple is searching for the highest term interest they can get. But at a time of historically-low rates, Kevin will have to get creative to help them thrive. Our experts discuss why this popular investment option isn’t performing as well as it used to, and options to keep it in your portfolio or try something different.

WealthBeing’s mini Money Problem episodes share a real financial challenge or question from our members, clients, or listeners – and the advice our experts provided to help. Learn from their experience and you’ll be prepared to make the best financial decisions for your pocketbook.

Do you have a Money Problem you’d like our help with? You can contact Kevin, Sheena and Travis with your question at [email protected]. We will get back to you with an answer.

Or visit any of our Island Savings, Envision Financial, or Valley First locations to talk with an advisor who will provide personal financial advice.

------------------------------

OUR WEALTHBEING HOSTS

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

THIS WEEK: With cash-in-hand, a couple is searching for the highest term interest they can get. But at a time of historically-low rates, Kevin will have to get creative to help them thrive. Our experts discuss why this popular investment option isn’t performing as well as it used to, and options to keep it in your portfolio or try something different.

WealthBeing’s mini Money Problem episodes share a real financial challenge or question from our members, clients, or listeners – and the advice our experts provided to help. Learn from their experience and you’ll be prepared to make the best financial decisions for your pocketbook.

Do you have a Money Problem you’d like our help with? You can contact Kevin, Sheena and Travis with your question at [email protected]. We will get back to you with an answer.

Or visit any of our Island Savings, Envision Financial, or Valley First locations to talk with an advisor who will provide personal financial advice.

------------------------------

OUR WEALTHBEING HOSTS

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

Women in Canada are gaining more control of accumulated financial wealth and that brings more opportunities and decisions. This week Kevin, Sheena and Travis talk with Angela Brown, Head of Brand Engagement and Storytelling at First West Credit Union, about how women have become more involved in their financial health, how to handle modern challenges, and other ways that women live a rich life.

1:50 What’s hot in money: The co-hosts explain what’s happening with five-year bond yield and mortgage rates.

8:45 Expert Examination:

·         How women’s relationship with money has changed over time.

·         Addressing income disparities.

·         Differences in debt.

·         Unique challenges in savings, investing and financial decision-making.

·         Women’s greater perception of wealth.

·         Additional resources.

42:40 Financial Fix: Knowledge is power, and this challenge will give you more of an advantage when making financial decisions.

If you have an undiagnosed financial concern or want to better understand a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

Women in Canada are gaining more control of accumulated financial wealth and that brings more opportunities and decisions. This week Kevin, Sheena and Travis talk with Angela Brown, Head of Brand Engagement and Storytelling at First West Credit Union, about how women have become more involved in their financial health, how to handle modern challenges, and other ways that women live a rich life.

1:50 What’s hot in money: The co-hosts explain what’s happening with five-year bond yield and mortgage rates.

8:45 Expert Examination:

·         How women’s relationship with money has changed over time.

·         Addressing income disparities.

·         Differences in debt.

·         Unique challenges in savings, investing and financial decision-making.

·         Women’s greater perception of wealth.

·         Additional resources.

42:40 Financial Fix: Knowledge is power, and this challenge will give you more of an advantage when making financial decisions.

If you have an undiagnosed financial concern or want to better understand a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

THIS WEEK: A couple making the move to BC were quickly getting caught up in a bidding war for that “perfect property.” Our experts discuss the prevalence of competitive offers in a hot housing market and strategies to handle – or avoid – falling prey to this financial trap.

WealthBeing’s mini Money Problem episodes share a real financial challenge or question from our members, clients, or listeners – and the advice our experts provided to help. Learn from their experience and you’ll be prepared to make the best financial decisions for your pocketbook.

Do you have a Money Problem you’d like our help with? You can contact Kevin, Sheena and Travis with your question at [email protected]. We will get back to you with an answer.

Or visit any of our Island Savings, Envision Financial, or Valley First locations to talk with an advisor who will provide personal financial advice.

Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

THIS WEEK: A couple making the move to BC were quickly getting caught up in a bidding war for that “perfect property.” Our experts discuss the prevalence of competitive offers in a hot housing market and strategies to handle – or avoid – falling prey to this financial trap.

WealthBeing’s mini Money Problem episodes share a real financial challenge or question from our members, clients, or listeners – and the advice our experts provided to help. Learn from their experience and you’ll be prepared to make the best financial decisions for your pocketbook.

Do you have a Money Problem you’d like our help with? You can contact Kevin, Sheena and Travis with your question at [email protected]. We will get back to you with an answer.

Or visit any of our Island Savings, Envision Financial, or Valley First locations to talk with an advisor who will provide personal financial advice.

Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman

Assistant Branch Manager, Envision Financial

When asked who has made the biggest impact in your life, does your financial advisor come to mind? If you've met Envision Financial Assistant Branch Manager, Kevin Lehman, he's likely in your top five personal game-changers. After attending the University of the Fraser Valley, Kevin sought new opportunities that led him to begin his career with Envision Financial, a division of First West Credit Union. And it is here that his "seize the day" approach to life propelled him to complete the Canadian Investment Funds Course, receive his mutual fund license and join the management team within five years. Today, as Kevin continues to pursue his Personal Financial Planner designation, he coaches a team of advisors to make a lasting impression on people's wellbeing.

Some financial topics are easy to discuss with your loved ones – while other money matters are easily forgotten (or avoided). This week Kevin, Sheena and Travis talk with Harpreet Grewal, Envision Financial Branch Manager, about tips and scenarios that you can learn from to have productive financial conversations with your own family.

1:40 What’s hot in money: Important financial dates you don’t want to miss.

4:30 Expert Examination:

·         What to know before approaching a financial conversation with family.

·         Ways to talk to children about money throughout their childhood.

·         Matters that are meaningful to every partnership.

·         To bail out your family financially – or not?

·         Handling conversations about estate planning.

·         Subjects that you could – and should – discuss with your family.

·         Would a financial advisor make money conversations easier?

38:00 Financial Fix: Think ahead this week and make sure the people who might inherit from you are aware and prepared.

Take the Financial Times money psychology quiz: https://ig.ft.com/sites/quiz/psychology-of-money/

If you have an undiagnosed financial concern or want to better understand a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

On every episode

Being in good financial health makes you feel at ease every day. You are free to pursue your goals and prepared to manage your future needs. Could your pocketbook be in better shape? 

If life has thrown you a financial curveball, or if you just want to be more in control of your money, tune-in to WealthBeing. Every week, we diagnose a spending, saving, borrowing, investing, or other financial problem to provide simple advice that can help you thrive.

You’ll hear about real-life financial challenges that our Island Savings, Envision Financial, and Valley First hosts, expert guests and our members have encountered. We’ll share the time-tested financial solutions we recommend to members. And every week you’ll receive a simple strategy that you can use right away to improve your financial health.

Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman<

Some financial topics are easy to discuss with your loved ones – while other money matters are easily forgotten (or avoided). This week Kevin, Sheena and Travis talk with Harpreet Grewal, Envision Financial Branch Manager, about tips and scenarios that you can learn from to have productive financial conversations with your own family.

1:40 What’s hot in money: Important financial dates you don’t want to miss.

4:30 Expert Examination:

·         What to know before approaching a financial conversation with family.

·         Ways to talk to children about money throughout their childhood.

·         Matters that are meaningful to every partnership.

·         To bail out your family financially – or not?

·         Handling conversations about estate planning.

·         Subjects that you could – and should – discuss with your family.

·         Would a financial advisor make money conversations easier?

38:00 Financial Fix: Think ahead this week and make sure the people who might inherit from you are aware and prepared.

Take the Financial Times money psychology quiz: https://ig.ft.com/sites/quiz/psychology-of-money/

If you have an undiagnosed financial concern or want to better understand a financial subject, send Kevin, Sheena and Travis your question at [email protected], and we will consider it for a future episode.

On every episode

Being in good financial health makes you feel at ease every day. You are free to pursue your goals and prepared to manage your future needs. Could your pocketbook be in better shape? 

If life has thrown you a financial curveball, or if you just want to be more in control of your money, tune-in to WealthBeing. Every week, we diagnose a spending, saving, borrowing, investing, or other financial problem to provide simple advice that can help you thrive.

You’ll hear about real-life financial challenges that our Island Savings, Envision Financial, and Valley First hosts, expert guests and our members have encountered. We’ll share the time-tested financial solutions we recommend to members. And every week you’ll receive a simple strategy that you can use right away to improve your financial health.

Our WealthBeing Hosts

Travis Koivula

B.Eng, CFA, CFP®, CIM, FCSI, CIWM

Senior Wealth Advisor | Senior Investment Advisor 

Island Savings Insurance Services | Credential Securities

Travis has been serving the financial needs of members in the Credit Union system since 2007 and is one of the most accredited financial advisors in Canada. He holds the globally recognized Charted Financial Analyst (CFA) designation, passing all three tests on his first attempt. In addition he is a Certified Financial Planner (top 1% of his class), Canadian Investment Manager (CIM), Fellow of the Canadian Securities Institute (FSCI) and a Chartered Strategic Wealth Professional (CSWP).

Sheena Sanders

Wealth Planning Specialist, Valley First

Sheena meets every client with a fervent desire to create a uniquely remarkable experience. As an accredited Certified Financial Planner, a Registered Retirement Consultant and a Responsible Investment Specialist, her array of knowledge and experience means that Sheena leave no question unanswered and no opportunity ignored. For people who seek help with retirement, education, investment, and succession planning, Sheena is a natural person to have on their team. Clients benefit from her strategic approach and “big picture” mindset that incorporates tax optimization ESG principals and integration.

Kevin Lehman<