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Tracy Valgardsson Enns, CFP
Tracy Valgardsson Enns is a highly experienced professional in the financial planning industry. With over two decades of expertise, Tracy has diligently served her clients since 1998. As a Certified Financial Planner, she specializes in providing comprehensive financial guidance to a diverse range of individuals, including families, widowers, and divorcees.
Trevor Tuttosi
Trevor is our Exempt Market Dealing Representative. Trevor offers clients access to investments in the Exempt Market, also known as the Private Capital Market and has been working in this sector of the financial world since 2008.
Clients appreciate Trevor’s low-pressure approach and laid-back personality and enjoy working with him because of his down-home approach. He meets people where they feel most comfortable, whether in their homes, restaurants, tractor cabs or combines.
Trevor spends as much time as possible with his adult children and grandson. He also enjoys outdoor activities such as kayaking, fishing, hiking, hunting, and cycling.
Trevor is a passionate supporter of Canadian Blood Services. He believes everyone should donate blood regularly, as he does. Trevor has found it extremely rewarding when clients and others share their stories about how donated blood saved their life or the life of a loved one.
Her approachable and amiable demeanour makes her a go-to person for clients, as she is always willing to assist them at any time.
Trisha’s commitment to providing excellent support and her strong working relationship with everyone in the company make her an invaluable team member.
As client service is paramount, Tracy would like to introduce her Income Tax Preparer: Jennifer Charters.
Jennifer has many years of working in an environment that requires great organization and attention to detail.
Jennifer is available for your personal income tax services. You will find Jennifer to be very thorough and friendly to deal with.
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What our clients are saying…
Tracy seeks out solutions to our questions in a prompt manner. Her extensive training aids her in assisting us to work through the myriad of facts and choices, so that we are comfortable with the decisions we make while we become more experienced with financial investing.
She is a role model even though she does not consciously seek that. It is because of Tracy’s training and personal integrity that we stay with her firm and have recommended her company to friends, colleagues and family. Her consistency in doing her job to better the financial futures of her clients, while putting their best interests first, is how Tracy ethically works each day.
Tracy V. Enns has been our financial consultant for the past six years. In this capacity, she has helped us with our retirement planning, estate planning, and investments. She has been honest, reliable, hardworking, conscientious, and courteous.
When we began working with Tracy, we had very limited background in financial planning. She took the time not only to set up our finances but also to explain the process so that we could understand and make better choices for ourselves. She continues to oversee our portfolio and guide us on an ongoing basis.
We have found Tracy to be highly ethical, always working in our best interest. She is always available to answer any questions we may have, does research on our behalf, and maintains complete records for us. Her honest, conscientious work has helped us feel confident in our retirement.
Tracy has been of great assistance to me organizing my financial affairs. I came to her roughly four years ago with a diverse portfolio that I felt was moving in many directions and needed to be put in order. With her knowledge and steady approach, we have worked together to accomplish this.
As a financial planner, I know her whole heart is there. She is honest and I can put my faith in her. When we come up against stumbling blocks, I can always be certain that she looks into the matter. She does her “homework” well and comes up with positive solutions.
I am very encouraged by the work she’s done for me and this gives me peace of mind.
How we work with our clients
1
Understand Your Situation
The financial planning process by asking questions to get a clear picture of who a client is and what they want. The questions are qualitative and lead to a better understanding of the client’s health, family relationships, values, earnings potential, risk tolerance, goals, needs, priorities, and current financial plan.
2
Identify and Select Goals
Your advisor will use their financial expertise to help you set goals. They’ll ask clarifying questions to help you identify those goals. Example questions would be: What is your time horizon? Which goals do you want to accomplish in five years, 10 years, 20 years, or 30 years? What is your risk tolerance? Are you willing to accept a higher risk to achieve your investment goals, or would you prefer a conservative portfolio?
3
Analyze Current Action Plan
Next, we analyze a client’s current action plan to see if things are moving in the right direction. If not, we will identify possible “course corrections” and explain the advantages and disadvantages of each option.
4
Develop Recommendations
We select one or more recommendations that we believe will help you meet your goals. We evaluate each recommendation based on this criteria:
5
Implement Recommendations
Implementing the recommendations means we are putting the plan to work for you. While this sound simple, for many people implementation is the most difficult step in achieving their financial goals. Even though the plan has been prepared, it usually takes desire and discipline to put everything into action. Some people worry about what happens if they fail. Sometimes inaction can grow into procrastination.
6
Monitor Progress & Revise Plans
The process is called “financial planning” for a reason. Plans often evolve and change over time – just like life. Once a financial plan is created, it becomes a part of your personal history. Every financial plan needs to be monitored and tweaked from time to time to reflect present realities. Over time various life situations can change: marriage, children, career changes, and more.
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