Tamara Pals - Financial Security Advisor

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Tamara Pals - Financial Security Advisor

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As your investment representative and financial security advisor I am dedicated to learning about you

10/17/2026

Your business may be one of your most valuable assets. It also asks a lot of you.

As it grows, it’s worth considering how the success you’re creating today connects to your personal financial future.

If you eventually wanted to work less, step away, or change direction, what would help make that possible?

Investments outside the business, available reserves, and a considered transition plan may all have a role. The right mix depends on your goals and circumstances.

This quarter, make time to look at your business and personal finances together.

Even one step toward greater flexibility is progress.

Message me “OPTIONS” to start a conversation about connecting business success with personal wealth goals.

10/15/2026

October means one thing in our world. Year-end is closer than it feels...

And while December 31 might seem far away, a few financial check-ins are better done sooner rather than later.

From contribution room and investments to benefits, insurance and beneficiaries, now is a good time to make sure the details still line up with your plans.

None of this requires a complete financial overhaul.

Sometimes it’s simply about knowing where you stand, and whether there’s anything worth addressing before the calendar turns.

Swipe through for 5 financial to-dos to consider before year-end.

Which one hasn’t crossed your mind since January?

10/12/2026

The insurance you arranged years ago reflected the life you had then.

Since then, perhaps your business has expanded. Your income has increased. Your family depends on you differently. Or retirement is getting closer.
Those changes are a reason to revisit how your coverage fits.

A useful review asks:
• What would need funding if something happened to you?
• Who depends on your income or your role in the business?
• What resources and coverage are already in place?

The right amount and type of insurance depend on your circumstances. A review may reveal a gap or show that your priorities have changed.
That’s worthwhile progress.

Message me “REVIEW” to discuss whether your protection still fits this stage of life.

10/10/2026

When you’ve already built a meaningful investment portfolio, the next move can feel surprisingly difficult.
There are more options. More moving parts. More questions about whether everything fits together.
Progress this month might mean reviewing one overlooked account, revisiting an old goal, or finally having the conversation you’ve been putting off.
Each step gives you something useful: better information for the next decision.
Choose one financial loose end to address this October. Give it a place on your calendar.
Small progress deserves credit, too.
What’s one financial decision you’d like to feel clearer about before year-end? Share the topic below.

10/08/2026

Thanksgiving has a way of bringing everyone (and every conversation) around the same table.

Between the turkey, family stories, and catching up, money might come up too.

A new home.
Retirement plans.
Helping the kids.
What the next few years might look like.

You don’t need to have all the answers over dinner.
Sometimes, simply starting the conversation is enough.

Because good financial planning often starts with talking about what matters most, and sometimes that means talking WITH the people who matter most.

From all of us at Clear Worth Financial Group, Happy Thanksgiving! 🍂

10/06/2026

You’re saving. Investing. Making progress.
But when you think about retirement, you still wonder: “Am I doing enough?”
An account balance can tell you what you have today. Understanding what it could support takes a closer look at the life you want, your timeline, and the demands your money may need to meet.
Start with something specific: What would you like an ordinary week in retirement to look like?
More travel? Less work? Time with family? The freedom to choose?
That picture gives your planning direction. You don’t need every answer today to take a useful next step.
Message me “RETIREMENT” if you’d like to talk about what “enough” means for you.

10/03/2026

Your business is growing. Is your personal wealth keeping pace?

Strong revenue. Healthy cash flow. A business you’ve worked hard to build.

And still, a question: “Am I making the most of what I’m earning?”

The next stage of growth takes more than bringing money in. It means deciding what that money needs to do—for your business, your family, and your future.

As the last quarter begins, consider:
• What needs to stay available for upcoming commitments?
• What could support longer-term goals?
• Is your personal wealth getting the same attention as your business?

You don’t need to overhaul everything before December. One thoughtful decision can move you forward.

Message me “GROWTH” to start a conversation about your next financial priority.

09/30/2026

I originally joined The Bridge Youth & Family Services Society because of a cause that was deeply personal to me: supporting mothers experiencing postpartum depression through the Beyond the Blues program.

But my time with The Bridge has opened my eyes in ways I didn’t expect.

One of those has been deepening my understanding of Truth and Reconciliation. I’m continuing to listen, learn and educate myself — from hearing the stories of residential school survivors to taking courses, reflecting on land acknowledgements and thinking about the small, meaningful actions I can take in my own life.

I know I still have a lot to learn. And I think that’s part of it.

Reconciliation isn’t a box to check. It’s an ongoing commitment to listening, learning and finding ways to move forward with greater awareness and intention.

I’m grateful to The Bridge for being part of that journey.

09/28/2026

One of the most reassuring things I can tell a client is: "You don't need to know the answer."

You just need to be willing to ask the question.

I've worked with people who know a tremendous amount about money.

I've also worked with people who didn't know the difference between a TFSA and an RRSP when we first met.

Both can be excellent financial planning clients.

Because financial planning isn't a test.

You don't get bonus points for knowing every investment term.

You don't need to understand every tax rule.

You don't need to know what every number on your statement means.

And you definitely don't need to pretend you understand something when you don't.

In fact, one of the most important things you can say in a financial planning meeting is:

"Can you explain that to me another way?"

That's not a weakness.

That's good financial self-care.

Your financial plan should make you feel more confident, not make you feel like you need a finance degree just to participate in the conversation.

My job isn't to make you feel impressed by how much I know.

It's to make sure you understand what we're doing and why we're doing it.

Because ultimately, it's your money.

Your goals.

Your future.

What's one financial question you've always wanted to ask but were afraid was "too basic"?

09/26/2026

One of the biggest challenges I see isn't that people don't have access to financial information.

It's that they have too much of it.

The question isn't:

"Can I find an answer?"

Google, podcasts, social media and AI can give you thousands of answers.

The better question is:

"Which answer makes sense for my life?"

That's where context matters.

Your friend's investment strategy might be perfect for them and completely wrong for you.

A strategy that worked beautifully in one market environment may not be appropriate today.

A financial "rule" you see online may not account for your tax situation, family circumstances or business structure.

Good financial planning isn't about having the most information.

It's about taking the right information and putting it into context.

That's a very different skill.

What's a financial topic where you've received completely conflicting advice?

Address

1631 Dickson Avenue
Kelowna, BC
V1Y 0B5

Telephone

+12508992337

Website

http://www.clearworthfinancial.ca/

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Moraine Wealth Advisory
1920, 407 2 Street SW, Calgary

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