Tracy Valgardsson Enns, CFP
Certified Financial Planner, Insurance, and Investment Advisor
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.
Tracy is passionate about imparting her knowledge and skills, and her commitment goes beyond regular client encounters. She gladly welcomes opportunities to speak at events where she can educate and empower others with useful insights into financial planning. She believes in empowering others by imparting financial literacy and assisting them in making informed decisions about their financial future. Her dedication to making a difference is exemplified by being honoured with the “Outstanding, Leadership in the Community” business award in the Spring of 2010 from the Rotary Club of Moose Jaw Wakamow.
Tracy's exceptional professional conduct and ethical decision-making have not gone unnoticed. In recognition of her exemplary contributions, Tracy was nominated for the prestigious Better Business Bureau of Saskatchewan Inc. 2015 Torch Award for Ethics. This honour recognizes professionals who have positively impacted their communities while upholding the highest standards of ethics in business.
Tracy takes a holistic approach to financial planning, considering not just the monetary aspects but also the overall well-being of her clients. Her warm and welcoming behaviour fosters an atmosphere where her clients feel at ease discussing their financial concerns openly. She is renowned for her outstanding ability to comprehend customer needs and customize financial strategies following those goals, ensuring that each client receives personalized attention.
With Tracy's extensive experience, dedication to ethical practices, and commitment to providing holistic financial guidance, she is an invaluable asset to anyone seeking expert advice and support in their financial journey.
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.
Introducing Trisha Glasser, an amazing administrative assistant to Tracy Valgardsson Enns at Athabasca Financial Ltd. With over a year of working at the office, Trisha brings a wealth of knowledge and expertise to her role.
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.
Income Tax Preparer
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.
Please meet Irish Abella from the Philippines, a new student intern at Athabasca Financial Ltd., bringing a diverse perspective and a friendly demeanor to the team.
Currently pursuing a Business Diploma in Accountancy at Saskatchewan Polytechnic, she is eager to assist clients anytime and is dedicated to contributing to the company's success.
What our clients are saying...
How we work with our clients
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.
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?
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.
We select one or more recommendations that we believe will help you meet your goals. We evaluate each recommendation based on this criteria:
- Assumptions made to develop recommendations
- How recommendations meet client's goals
- Integration with other aspects of a client's financial plan
- The priority of the recommendation
- Whether a recommendation can be implemented independently or needs to be implemented with other recommendations
Implement the 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.
Monitor Progress and 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.