A CE Finance

04/22/2026

We help businesses too

Most businesses don’t realize where their real risk lies.
It’s not always market conditions.
It’s not always competition.

Sometimes, it’s one person.
The person who drives revenue.
Leads the team.
Holds critical relationships together.

If that person is suddenly gone, the impact isn’t just emotional.
It’s financial.

Key person insurance isn’t about replacing people.
It’s about protecting the business from the gap they leave behind.

Because strong companies don’t just build teams.
They protect what makes those teams valuable.

📞 780-380-6730
🌐 http://Novarafinancial.ca

04/22/2026

There’s so much we can do for you to get you in a better place financially.

I just about told a referral I couldn’t help him, in fact I did tell him I couldn’t help him as he told me he wanted to refinance 30,000 worth of credit card debt into his vehicle.
So I do my research and found out he is 20,000 upside down on his current vehicle he wanted to refinance.
I told him I couldn’t help, as there was no room to do anything.
Then I questioned myself and said wait, what’s your current interest rate, he said 11.99%

I pulled his credit and thought there is a chance I can lower his interest rate on the debt he currently has and by doing so increasing his cashflow to pay towards the credit card debt.

After a little over a week of negotiating with three banks, two of which straight out declined him and one said maybe, so we worked together the bank and I told make it happen.

It happened I got him approved at 9.49%, a 2.5 percent lower interest rate than he currently has, so less interest paid over the term and 60$ biweekly less than he is currently paying so he can now put that towards his debt snowball for the 30k credit card debt.

It’s not what we wanted but it is significantly better, than where he was before.

We also put gap insurance on it! To cover the negative equity.

Woot woot I’m fired up for helping this man when I thought I couldn’t.

Keep digging everyone

03/15/2026

Have you ever wondered what your money is up to when you have it in the bank

02/15/2026

Food for thought

James Van Der Beek passed away at 48 after a battle with stage 3 colorectal cancer. He leaves behind his wife, Kimberly, and their six kids.

And the part that should stop everyone cold is this: there’s now a GoFundMe for his family because the medical fight drained them. It’s already raised about $1.6M.

If an accomplished actor with decades of work can end up in this position, imagine what this diagnosis does to the average family with a normal paycheck and a normal insurance plan.

Here’s what cancer can cost in real life, even when you “have coverage.”

• A stage 3 colon cancer diagnosis in your 30s can average about $45,000 out of pocket in the first year alone, based on a GoodRx analysis cited by Business Insider
• Younger cancer patients (18–44) lose about $5,104 in annual wages on average and about 26 working days
• It’s not just chemo. It’s premiums, deductibles, out of network surprises, travel, time off work, and the hidden stuff nobody budgets for

That is how a health crisis becomes a financial crisis.

Not because people were reckless.

Because the system can financially body slam you while you’re trying to stay alive and keep your family stable.

If you want something practical to take from this, here are a few moves worth looking at before you ever need them:

• Know your out of pocket max and what “out of network” really means for your plan
• Keep a real emergency fund, not a “we have a credit card” fund
• Consider disability insurance if your income comes from you showing up
• If you have access to an HSA, actually use it like the medical emergency fund it was designed to be
• Make sure term life coverage matches the reality of your household, not the fantasy that everything will go perfectly

Prayers for Kimberly and the kids.

And a reminder for the rest of us that cancer does not just take health. It can take the entire financial floor out from under a family.

Let’s not wait till it’s too late.
Reach out and let’s have a conversation.
Call or text 780-937-1117 and let’s get you protected today. All free to sit down.

12/22/2025

Attention First Time Home Buyers!!!
Is anyone here closing on a home in December and is a first time home buyer? If so, read below, this trick will save you thousands in taxes.
The FHSA (First Home Savings Account) is an excellent product that every eligible first time home buyer should be using. It is quite literally free money. An eligible withdrawal from the FHSA can happen up to 30 days AFTER closing on the new property. For buyers closing in December this creates an opportunity to give themselves an additional income tax deduction for the 2026 tax year because as of Jan 1, 2026, every FHSA account gets another $8,000 in contribution room.
Here is a scenario: Let’s say you have 2 first time home buyers closing on December 15th. These buyers leave the money in their FHSA account, and on January 2, 2026 they both contribute an additional 8K into the account. The following day they pull the funds out as an eligible withdrawal – completely tax free. By doing this, each one of those buyers is going to get an additional $8,000 tax deduction for 2026. Say these buyers are at a 40% marginal income tax rate, that means they’d each get and additional $3,200 back when they file for their 2026 taxes for a total of $6,400 for a couple in tax refunds they wouldn’t get otherwise.
Obviously the buyers would need enough funds to close, this could come from a very short term loan from family – as the money will be paid back early January as soon as they pull from the FHSA. Or maybe the buyers have extra RRSPs that could be used to cover the shortfall as they aren’t pulling the funds from the FHSA until after closing.
This trick may not work for every buyer, but the ones that can pull it off will save thousands in taxes. How much they save will depend on their income level and marginal tax rates.
Cheers!

Reach out today to our amazing agents
And we can set you one up for free!
Book into our website for time today!

http://www.ascendancefinancial.com

Call or text 780.380.6730 ask for Stefan.

12/21/2025

Good time to get out

12/14/2025

Most people don’t realize how affordable proper life insurance really is.
If something happened tomorrow, would your family be okay financially? If the answer isn’t yes, let’s fix that.

I’m right here in Grande Prairie — local, accessible, and ready to help.

12/11/2025

You work hard for your family. Your money should too.
At Ascendance Financial & WFG, we help families in Grande Prairie protect their income, build wealth, and create a retirement that feels earned — not stressful.

No pressure, no cost, just a real conversation about where you’re at and where you want to be.

➡️ Message me and let’s sit down over coffee or hop on Zoom.

12/10/2025

Quick question:

👉 Do you feel confident with your financial plan?

Choose one:

💬 Yes
💬 No
💬 Sort of… I’m winging it

Be honest.
No judgement here.

Sometimes clarity starts with one simple conversation.