Put income decisions in context
A change in compensation, a period away from work or a move toward reduced hours can affect cash flow and savings. We help consider what needs to remain accessible and what can support longer-term goals.
Bilyk Financial · Kelowna
Financial Advice for Professionals in Kelowna
Connect your career with the life you want to build.
Income, career demands and family responsibilities can change over time. We help professionals consider saving, investment and retirement decisions in the context of their working life and longer-term goals.
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What we can work through
Include corporate finances where relevant
If you practise through a corporation, personal and business finances may need to be considered together. Your accountant assesses specialist tax questions while we connect the planning discussion with your spending and retirement goals.
Review the risks around work
Your plan may depend on continued earnings. Existing benefits, insurance and cash reserves deserve attention alongside investing, particularly when your work arrangements change.
Plan for the transition out of work
Retirement may be gradual rather than a single date. Compare how changes in hours, income and spending could affect the plan, and agree on when it should be reviewed.
Make the first conversation useful
Bring your main questions and a high-level overview of your situation. We can agree on any documents needed and an appropriate way to share them.
- How do you expect your work and income to change?
- Are personal and corporate finances connected?
- What would greater flexibility in your working life look like?
Connected decisions
Tax Planning Coordination
Identify decisions that need your accountant’s input before changes to income, investments or ownership.
Risk Management
Consider the financial impact of unexpected events on the people and commitments that depend on you.
Financial Planning
Compare the choices ahead, from retirement timing to supporting family, using your goals and financial picture.
Meet to discuss the decision ahead
Our advisors live in Kelowna and can meet in the city by arrangement. Our only physical office is in Vegreville. Please confirm the meeting details with us before attending.
Tell us your preferred city and what you would like to discuss. Please do not include account numbers or sensitive financial documents in an initial enquiry.
Before we meet
Do you have an office in Kelowna?
Our advisors live in Kelowna and can meet in the city by arrangement. Our only physical office is in Vegreville. Please confirm the meeting details with us before attending.
What should I ask before proceeding?
Ask who will work with you, which services and written materials are included, how fees are calculated and how future reviews will work. An introductory conversation is a chance to decide whether the proposed relationship fits your needs.
Can my accountant or lawyer be involved?
With your permission, we can coordinate relevant financial planning questions with your existing professionals. They remain responsible for specialist tax or legal advice, documents and filings.
General information only. Services and recommendations depend on your circumstances and the agreed scope. Obtain qualified tax and legal advice before acting on matters requiring that expertise.