Amanda Moga, Financial Advisor

Amanda Moga, Financial Advisor I am a Financial Advisor at Miller Wealth and offer Mutual Funds through Monarch Wealth Corporation

🍂 September Is a Fresh StartSeptember feels like a new year for so many of us.🍎 Teachers and students are heading back t...
09/03/2026

🍂 September Is a Fresh Start

September feels like a new year for so many of us.

🍎 Teachers and students are heading back to school.
🏒 Parents are getting back into the routine of school, sports and activities.
☀️ Retirees are preparing for fall and winter at home — or getting ready to head south.

We’re all getting back into a little more structure… so why not add your finances to the list?

Have you been putting off that investment transfer?
Thinking about finding an advisor who will do more than simply grow your money?

Maybe you want someone who will help you look at the bigger picture — retirement, taxes, estate planning, insurance, your family and what you actually want your money to accomplish.

September is a great time to get started.

My calendar is already filling up with fall reviews, new clients and seminars, and I’d love to get you in too.

📞 Call or text me and let’s book a time to chat!

Amanda Moga
Financial Advisor 👩🏻‍💻
Miller Wealth

💰 Financial Tip 👩🏻‍💻✏️ Back-to-School = Back-to-BudgetSeptember can be an expensive month for families.School supplies, ...
08/31/2026

💰 Financial Tip 👩🏻‍💻

✏️ Back-to-School = Back-to-Budget

September can be an expensive month for families.

School supplies, new clothes, sports fees, registrations, lunches, activity costs… and suddenly your regular monthly spending has jumped significantly.

A few ways to keep September from derailing your finances:

1️⃣ Don’t buy everything at once.
Kids don’t necessarily need a whole new wardrobe just because school starts. Buy what they actually need now and spread the rest out.

2️⃣ Add up ALL the extras.
Sports fees, school fees, equipment, pictures, field trips and activities can easily get forgotten when planning your monthly budget.

3️⃣ Watch the convenience spending.
Busy schedules can quickly turn into more takeout, drive-thru coffees and last-minute grocery runs. Meal planning even a few days ahead can make a big difference.

4️⃣ Create a “kids” sinking fund.
Instead of scrambling every time a registration or unexpected expense comes up, put a little aside every month specifically for school, sports and activities.

5️⃣ Remember: you don’t have to keep up.
Your kids don’t need everything their friends have. Staying within your means is one of the best financial lessons you can teach them.

✨ September is a great time to reset your routine, your spending and your financial goals.

A little planning now can make the rest of the school year a lot easier on your wallet.

Amanda Moga
Financial Advisor 👩🏻‍💻
Miller Wealth

08/28/2026

Thank you so much!

Voting starts Sept 3rd and ends Sept 24th. Appreciate you all.

FINANCIAL TIP 💡 Your advisor needs to know when life changes — even if it seems minor.Moved? Changed jobs? Got married o...
08/27/2026

FINANCIAL TIP 💡 Your advisor needs to know when life changes — even if it seems minor.

Moved? Changed jobs? Got married or separated? Had a baby? Received an inheritance? Changed your phone number or email?

Tell your financial advisor.

Updating your address isn’t just about making sure your mail goes to the right place. Your personal information can affect things like:

• Your Know Your Client (KYC) information and regulatory requirements
• Your province of residence and potentially your tax situation
• Beneficiary and successor-holder designations
• Insurance policies and coverage
• Your income, debt, cash flow and overall financial plan
• Whether your current investments are still appropriate for your goals and circumstances
• Our ability to reach you when something important needs your attention

And bigger life changes — marriage, divorce, a new child, retirement, job changes, buying or selling a home, receiving an inheritance — can completely change the financial advice that makes sense for you.

Your advisor can only give good advice based on the information they have.

So when life changes, keep your advisor in the loop — even if you think, “They probably don’t need to know this.”

Chances are, we do. 😊

Your financial plan should change as your life changes.

FINANCIAL TIP 💰 | Looking Wealthy vs. Being WealthyThe wealthiest person I have ever met looked like an average person.N...
08/24/2026

FINANCIAL TIP 💰 | Looking Wealthy vs. Being Wealthy

The wealthiest person I have ever met looked like an average person.

No flashy clothes. No need to have the newest or best of everything. They lived very comfortably but they had absolutely nothing to prove.

That has always stuck with me.

Just because someone has all the “stuff” does not mean they’re wealthy.

The big house.
The brand-new vehicles.
The expensive vacations.
The designer clothes.
The toys.

You can see what someone has. You can’t see what they owe.

Ask yourself this:

Do you want to arrive at retirement still carrying a $500,000 mortgage because you spent your working years trying to look like you belonged?

There is nothing wrong with enjoying your money. But there is a difference between being able to buy something and truly being able to afford it.

Many people build wealth quietly.

They save.
They invest.
They take calculated chances.
They pay down debt aggressively.
They live within their means.
And they don’t make financial decisions based on what everyone around them is doing.

Stop trying to keep up with the Jones’.

The Jones’ might be broke.

Looking wealthy and being wealthy are two very different things.

Looks aren’t everything, especially when it comes to your finances.

💰 FINANCIAL TIP: Are you using credit instead of saving?It’s easy to think, “I’ll just put it on the credit card and pay...
08/22/2026

💰 FINANCIAL TIP: Are you using credit instead of saving?

It’s easy to think, “I’ll just put it on the credit card and pay it off later.” But when it comes to bigger purchases—especially vacations—saving first can make a huge difference.

🏝️ Let’s use a $5,000 vacation as an example.

If you save $500/month for 10 months, you have your $5,000 vacation paid for before you leave.

But if you charge that same $5,000 to a credit card at 20% interest and take time to pay it off, that vacation could end up costing you hundreds—or even thousands—more depending on how long you carry the balance.

And here’s the kicker:
You could still be paying for your last vacation while trying to plan your next one.

🚗 Sometimes borrowing is necessary. Most people aren’t going to save the full cost of a vehicle before buying one. But vacations, Christmas, furniture and other planned expenses are different—they often give us time to prepare.

Instead of asking:

“Can I afford the monthly payment?”

Try asking:

“Can I afford to start saving for this now?”

A little planning today can mean enjoying that trip without bringing the bill home with you. ✈️🌴

💡 Financial Tip: Will Your Estate Have the Cash to Pay the Tax Bill?You can spend a lifetime building wealth but have yo...
08/19/2026

💡 Financial Tip: Will Your Estate Have the Cash to Pay the Tax Bill?

You can spend a lifetime building wealth but have you considered what the tax bill could look like when that wealth transfers to the next generation?

At death, certain assets can create a significant tax liability. For example, RRSPs/RRIFs may become taxable on the final return, and appreciated investments, rental properties or recreational properties may trigger capital gains due to a deemed disposition.

One estate-planning strategy is permanent life insurance.

A properly structured policy can provide a tax-free death benefit to your beneficiaries, creating liquidity that can help:

* Pay the estate’s final tax bill
* Reduce the need to sell investments or property to raise cash
* Preserve more of the estate for your family
* Make the transfer of wealth easier and more predictable

Example:
You’ve built a $2 million estate, but your planning shows there could be a $300,000 tax liability at death.

Rather than leaving your family to figure out where that $300,000 will come from, life insurance can be incorporated into the estate plan specifically to help provide the cash needed.

Estate planning isn’t only about who gets your assets. It’s also about planning for what it may cost to transfer them.

If you’ve accumulated significant assets, it may be worth reviewing whether your estate has enough liquidity to cover the potential tax bill.

Insurance needs, premiums and tax consequences depend on individual circumstances. Speak with your financial, tax and legal professionals when developing an estate plan.

💡 Financial Tip: Charitable Giving & Segregated FundsWant to leave a gift to a charity or organization that means someth...
08/18/2026

💡 Financial Tip: Charitable Giving & Segregated Funds

Want to leave a gift to a charity or organization that means something to you?

A segregated fund contract can be one way to incorporate charitable giving into your estate plan.

By naming an eligible charity as a beneficiary, you may be able to:

✨ Have the proceeds paid directly to the charity, outside of your estate
✨ Potentially avoid probate fees and delays on those proceeds
✨ Maintain privacy, since beneficiary designations generally don’t form part of a probated will
✨ Create a meaningful legacy for a cause that’s important to you
✨ Potentially provide tax benefits to your estate, depending on how the gift is structured

And you don’t necessarily have to choose between your family and your favourite charity — beneficiary designations can be structured to leave percentages to multiple beneficiaries.

Example:
You could leave 90% to your family and 10% to a charity that’s been meaningful to you.

Small planning decisions today can create a lasting impact tomorrow. ❤️

Curious how charitable giving could fit into your estate plan? Let’s have a conversation.

✨ Hi, I’m Amanda! ✨I thought it was time for a little introduction for anyone who may be new around here.I’ve been in th...
08/17/2026

✨ Hi, I’m Amanda! ✨

I thought it was time for a little introduction for anyone who may be new around here.

I’ve been in the financial industry since 2008, and today I have the privilege of working as a Financial Advisor with Miller Wealth.

What I love most about this career isn’t just investments or numbers—it’s the people. ❤️

I work with individuals and families through so many different stages of life: building wealth, preparing for retirement, protecting their families, navigating an inheritance, planning their estates, or simply trying to figure out if they’re making the right financial decisions.

My goal is to make finances feel less overwhelming and more understandable. I believe you should know what you own, why you own it, and how it fits into the bigger picture.

A few things I can help with:

• Retirement & investment strategies
• TFSAs, RRSPs, RRIFs, FHSAs, RESPs & RDSPs
• Mutual funds & segregated funds
• Life, critical illness & disability insurance
• Estate & beneficiary planning
• Reviewing your current investments and providing a second opinion

A little about me outside of the office…

I’m a wife, a mom of four, a hockey mom, and I genuinely love being involved in our community. I’m proud to serve as Treasurer for the Shuswap Hospice Society and as Event Lead for Dancing with the Shuswap Stars—an event that has become very close to my heart. 💃🏼✨

When I’m not working or volunteering, you’ll probably find me working out, hiking, listening to a wellness podcast, attending my kids hockey game, at a concert, spending time with my family, or attempting to improve my golf game. My husband and I recently started golfing together, and let’s just say we have a lot of room for improvement. 😂⛳️

If you’ve been following along for a while—thank you. Your support, referrals and trust mean more to me than you know. And if you’re new here, welcome! 🤍

I’m looking forward to continuing to share financial education, practical tips, and a little bit of real life along the way.

Amanda Moga | Financial Advisor
Miller Wealth

📩 My door is always open for a conversation.

Address

91 Hudson Avenue NE
Salmon Arm, BC
V1E

Website

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