Business Details
11 Years
experience
Your Trusted Financial Partner in Kelowna
At Balance Financial, we believe that financial well-being is deeply personal and interconnected with life's broader aspirations. With over two decades of experience in the financial sector, our founder has dedicated her career to helping individuals and businesses navigate complex financial landscapes with clarity and purpose. Our approach prioritizes understanding each client's unique story, values, and goals, ensuring that financial strategies align with their personal and professional visions.We specialize in creating tailored plans that address budgeting, debt management, retirement, tax considerations, and legacy planning, all while fostering collaboration and community connections. Our commitment to a heart-centred methodology sets us apart, transforming financial planning into a meaningful journey toward empowerment and security.
Services
Financial Planning
Wealth Management
Debt Management
Retirement Planning
Estate Planning
Tax Strategies
Insurance Solutions
Investment Advisory
Budgeting Guidance
Legacy Planning
Details
- Year established: 2015
Highlights and features
- We offer 21 years of financial planning expertise with TD Canada Trust heritage
- Our heart-centred approach prioritizes personal life goals over generic solutions
- Specialized in Okanagan community-focused financial strategies
- Comprehensive services spanning budgeting to estate planning
- Proven track record helping clients achieve financial clarity and control
Services
Financial Planning
Our financial planning service creates personalized roadmaps for your financial future. We analyze income, expenses, and goals to develop actionable strategies that address budgeting, debt reduction, and wealth accumulation. With a focus on long-term stability, we help clients build financial confidence through customized plans that adapt to life's changing circumstances while maintaining compliance with Canadian financial regulations.
Retirement Planning
Specialized retirement planning ensures your golden years align with your vision. We assess current savings, projected needs, and tax implications to create sustainable income streams. Our approach incorporates RRSPs, TFSAs, and pension optimization strategies tailored to Okanagan residents. We help clients determine optimal retirement ages, manage withdrawals, and maintain lifestyle continuity while navigating Canada's retirement benefit landscape.
Estate Planning
Comprehensive estate planning protects your assets and intentions. We coordinate wills, power of attorney documents, and trust structures to ensure smooth wealth transfer. Our service addresses probate minimization, tax efficiency, and family business succession. We collaborate with legal professionals to create legally sound plans that reflect your values and provide peace of mind for Kelowna families and entrepreneurs.
Debt Management
Strategic debt management helps clients regain financial control. We analyze debt composition to develop prioritization strategies, negotiate creditor terms when needed, and create realistic repayment timelines. Our approach balances debt reduction with maintaining emergency funds and investment growth. We specialize in helping Okanagan residents manage mortgages, lines of credit, and consumer debt through sustainable, personalized solutions.
Investment Advisory
Tailored investment advisory services build wealth through strategic asset allocation. We assess risk tolerance, time horizons, and financial goals to create diversified portfolios. Our service includes regular performance reviews, tax-efficient investing, and adjustments for life changes. We guide clients through Canadian investment options including mutual funds, ETFs, and registered accounts while maintaining transparent communication about market fluctuations and opportunities.
People
Shawna McCrea
Financial Planner
Certified financial planner with 21 years at TD Canada Trust, now helping Okanagan residents connect financial decisions to life goals through personalized strategies.
Questions
What financial planning services do you offer?
We provide comprehensive services including budgeting, debt management, retirement planning, estate planning, tax strategies, and investment advisory tailored to Okanagan residents.
How do you personalize financial plans?
We conduct in-depth consultations to understand your life goals, values, and current financial situation before creating customized strategies that evolve with your needs.
What makes your approach different?
Our heart-centred methodology focuses on how your personal story shapes financial decisions, combining technical expertise with emotional intelligence for more meaningful outcomes.
Do you work with local businesses?
Yes, we help Okanagan entrepreneurs with business financial planning, succession strategies, and employee benefit programs that align with community values.
How are you qualified to provide advice?
Our lead planner has 21 years of experience with TD Canada Trust and specialized training in creating client-focused financial solutions for individuals and businesses.
