Elanda Kowalchuk

Certified Financial Planner (CFP) ®
Certified Cash Flow Specialist (CCS) ®
Certified Executor Advisor (CEA)
My Biography

I have always been a saver. My first investment was $1,500 when I was 22 years old. An inheritance from my Baba which I wanted to keep as a memory of what she gave up for me. I went to my local credit union to put the money towards my very first RSP contribution and that was how I first learned to save for retirement. The clerk helping me suggested I take out an RSP loan and use my inheritance to pay the loan. I decided to invest the money immediately and continue to contribute monthly towards my RSP the amount I would have been paying for the loan.

When my fiancé and I bought a house in Calgary we learned about insuring our mortgage through a coworker at the school where I worked. We purchased life insurance through an independent agent and were pleased to have personally owned insurance when we sold our house and bought an acreage in Bragg Creek, Alberta. It was shortly after that time I decided to change careers and went to work with our financial advisor at that time. I soon became licensed to sell insurance and mutual funds.

I had a sister who had cancer at 19 years old, so I knew that cancer wasn’t something that just happened to people when they got old. I decided to purchase a small critical illness policy where the coverage amount increased each policy year for a few years, along with the premium, which worked for me as I knew my income would increase each year as I started my new career.

At 35 years old I divorced. I was worried about how I would manage with just one income. As I had managed our finances when I was married it made it easier to manage just my own income. During that time I decided to purchase another small critical illness policy so that if something happened I would not have to rely on my family for financial support. I also purchased a disability policy. If I could not work I did not expect anyone else to provide me food and shelter. As a planner at heart, I needed to know that I could look after myself. I didn’t think the probability was high, but I knew the consequences would be devastating. Gratefully to this day, I have not had to make a claim on either my critical illness or disability policies, and in fact, I have benefitted from the return of premium, which paid out at the perfect time. I guess when you receive money from an insurance policy because you are healthy that is a good thing! Several years later I feel secure knowing that I have put plans in place in case the unexpected happens. I still have the insurance I put in place in my 30s and 20 years later I continue to pay the premiums based on a 30-year-old.

I have managed to be on my own for almost two decades and this has brought me to better understand the finances of a single individual. Planning is important for an individual who is on their own, or in a relationship where they are dependent on their spouse’s income to be able to maintain the household. Knowing I can look after myself in case of an unexpected event and being able to share that knowledge and help others is why I get up in the morning. As a single individual, I understand the need for security and my career goal is to ensure the people I work with can go about their daily life feeling good that they are in control of their financial goals.


Elanda Kowalchuk

Our Partners

Dee Danallanko


Dee Danallanko, CPA, CA, CRM is the founder of Integral Accounting Chartered Professional Accountant with over 20 years of experience in the private sector, public sector, and public practice.  

Dee helps clients utilize the latest accounting technology to run small businesses and non-profit organizations as efficiently as possible. Her goal is to ensure that you spend less time on administrative and compliance tasks and more time on revenue-generating tasks instead. 

When not helping clients integrate their personal and financial goals with their business goals, Dee can be found reading, hanging out with her husband, small son, and two cats, or baking something delicious.

mike ek financial

Mike Adamek

Mike has over 32 years of experience providing Group Benefits to companies in British Columbia and Alberta. His strong connection with numerous insurance carriers allows companies to choose the best fit for their employees. Adamek Financials’ customer service team ensures you receive the service you need to successfully run your business, and your employees receive the coverage they need for themselves and their family from their group benefits plan.  

Mike lives in Victoria with his wife and 3 children. He enjoys hockey and cooking.

Dana Stauber

My husband Jason and I always dreamed of living near the mountains. Being from Saskatchewan, it seemed a long way away! We slowly moved west, spending time in Alberta, living in Stony Plain for 13 years. Today we’re proud to call Vernon home and enjoy hiking many beautiful trails with our dog Jasper, riding our motorcycle, and of course enjoying fine Okanagan wine!

I have more than 30 years of lending experience and work with 50 different lender partners so have a variety of options to fit your needs. I can place all types of mortgages including purchases, refinances, equity take outs, debt consolidations, renewals and mortgages for self-employed. I’ve helped a lot of great people throughout BC and Alberta and look forward to helping you realize your financial and homeownership goals as well!

Since my business is built primarily through referrals from satisfied clients, your positive mortgage experience is essential! Your mortgage is a big decision and a powerful financial tool.

I believe every client deserves the best care and service when purchasing or refinancing the home of their dreams. I’m here to help with your mortgage needs and have what it takes to make a difference in your next mortgage transaction.