Joyce Ingram - Financial Services

04/24/2026

I never thought it could be so rewarding in helping families, a team of people and making a difference in their lives.

Almost 4 years ago, I left my corporate job to take on something that was more meaningful and purposeful.

Today I continue to really enjoy what I’m doing, educating 1:1 or in workshops. There are 3 workshops I’m passionate about.

1) Money & Mimosas
2) Menopause and Money
3) Rewrite The Rules: Women, Worth and Wealth

I collaborate with , and

We have great conversations in a fun and casual safe space.

Also it wouldn’t be fun without having a team, who are heart centred and also loves to help families.

I look forward to growing my client base along with a fun team who makes a difference.

If this piques your interest. DM me for a quick discovery call to see if it would be a mutual fit.

09/17/2025

🌸 Too many women are leaving their family’s financial security to chance.

Here’s the truth:

1. 1 in 4 Canadians isn’t confident their family would be okay if they passed away.
2. 1 in 3 without life insurance believe it’s “too expensive.”
3. Nearly half of them are moms.
4. 44% of women say they need or need more life insurance

But here’s what most don’t realize - for less than your daily latte, you can create a safety net AND build wealth.

Here’s how it works:
👉 Term Insurance – Think of it like renting: affordable coverage for 10, 20, or 30 years. Great for covering things like a mortgage, financial commitments, and raising kids.

👉 Permanent Insurance – Think of it like owning a home: it lasts your whole life, builds cash value, and can even be leveraged as part of your wealth plan.

Life insurance isn’t just about protection. It’s about:

✨ Giving your kids stability no matter what.
✨ Keeping your home and lifestyle secure.
✨ Building generational wealth you can pass on.

💡 It’s a wealth hack most people overlook.

✨ September is Life Insurance Awareness Month. This is your chance to feel confident, empowered, and prepared.

💬 Let’s connect—whether at a Money & Mimosa session or in a quick chat. A small decision today can create peace of mind and a legacy for tomorrow.

09/09/2025

If you had an extra hour in your day, what would you do with it?

09/09/2025

🌟 “I’ll never forget when a close friend’s world changed overnight with a medical diagnosis. Nothing prepares you for the phone call that turns life upside down.”

Have you ever had a loved one face something similar? Or maybe you’ve seen how an accident or injury can suddenly stop someone from working and the ripple effect it has on their family.

Here’s the truth: you are your biggest asset. If your income stops, everything else gets harder.

That’s why we’re hosting a few free webinars, to inform you of the importance of protecting your income and your peace of mind. It’s not about fear, it’s about creating security and breathing a little easier knowing your family will be okay, no matter what.

💻 Join us and leave with more clarity (and less stress) around your financial future.

👉 Save your spot today, your future self will thank you.

10/23/2024

What worries you financially?

What keeps you up at night when it comes to your resources and finances?

Do you feel you’re on track and doing the right things or are you constantly worrying about your financial future?

Are you ready to boost your savings, tackle debt, and plan for your future?

Grab your lunch and join us for this quick, no-nonsense series that’ll leave you feeling empowered and ready to uplevel your financial fitness game!

Our first segment in the 10-part series is about the money blocks you may have from having your money working harder for you.

Join us for our weekly online virtual Lunch and Learn series (1 of 10) starting Wednesday, October 30th from 12:00-12:30 PST.
The last 10 minutes will be open to answer any questions you have.

Come and learn tips to improve how you think or view money. We’ll share with you:

• Understanding the importance of mindset and belief in financial success.
• Identifying common money beliefs and how they shape financial habits.
• Strategies to shift toward an abundant, growth-oriented mindset.

Takeaway: You will leave with actionable steps to improve your financial situation and approach money with more confidence.

Hold your seat by registering - link in the comments

03/20/2024

Behind Closed Doors: How Banks Prioritize Profit Over Your Best Interests.

Having an independent financial advisor who doesn't own any proprietary products are in better position to service clients by educating, asking what their goals are for their family, how to increase savings or wealth and so much more!

Recently, there is another segment from CBC Marketplace showing how the big banks are more profit driven and pressuring their staff to upsell products to their customers, and not looking after the client's best interest.

As it's Canadian news, I'm unable to share the link here. Please DM me if you're interested in reading the article and I'll send it to you.

I'm so thankful I have the opportunity to work with clients, learn about them and what it is they'd like to achieve., whether it be :

* eliminate debt
* increase savings for family and kids education
* income protection
* earning more income
* retirement

As you can see, starting with financial education, depending on what the client's needs are, we are able to help provide a roadmap to get them from where they are today to where they want to be while keeping their big picture in mind. I'm so thankful I'm able to help families in a way that is a win/win.

03/12/2024

Would having financial literacy help in reducing stress?

In today’s article and survey conducted from BMO, (12% more women feel financial stress, survey shows | Wealth Professional) results showing 12% more women feel financial stress. Why is it women show more stress than men when it comes to financial pressures? The 3 key areas where women feel less than confident is:
1) Economic pressures – cost of living continues to increase as well as inflation.
2) Financial Security – having enough money saved and emergency funds available if needed
3) Financial Progress - uncertain if there is enough saved or understanding what is needed or required to feel comfortable and safe.

As an independent financial broker, my mission is to provide financial education and support, planning to help the middle market. The middle market is being left behind and well under served. The middle market usually has less than $250,000 in asset or savings, therefore depending on where or who they work with, may not be qualified or referred to a 1-800 number for assistance.

If you did receive financial education from your parents, you may be one of the lucky ones. However, were your parents financially literate or was the information passed down generationally to you or did they learn this education through friends, newspaper or a financial advisor?

My dad taught me as best he could by forcing me to start saving into my Registered Retirement Savings Plan as soon as I started my career at 19 years old. Also to understand how insurance could be utilized as an asset class. I appreciate and thank him for his foresight to ensure my future had a great head start.

Having a full understanding of how money and debt works and then to know what is available for you as a Canadian is key to awareness and feeling confident. Rather than searching online to learn more, I can provide a complimentary, non-biased approach to the financial education and find out where you are today to where you want to get to. At the end of the day, I would like to provide information that could help you day to day and plan for the future, while offering you peace of mind.

01/26/2024

It's been awhile since I've posted here. However I have posted on my personal page or in LinkedIn.

Buried under a pile of credit card bills?

Feeling stressed out and overwhelmed?

To Snowball or Avalanche?
January is considered a stressful time for many. This is when the holidays are over, the credit card bills are starting to come in after Christmas, the weather may be cold, dark or rainy outside. It’s been dubbed “Blue Monday” the third Monday of January where it’s supposedly the most depressing day of the year.
As people are looking at their credit statements and debt may continue to rise, what’s the best way to reduce or eliminate the credit card debt? Interest rates may vary depending on the type of credit card.

There are two methods which can assist in paying it down and really depends on what may work best for the individual.
Snowball Method:
This would be paying down the smallest credit card balance owed to the largest balance. regardless of the interest rate. The focus is to pay it off as quickly as possible and then to the next higher credit card balance. Mentally, this would provide a win and sense of accomplishment therefore giving more incentive to continue to pay down the other cards.

Avalanche Method:
This would be focussing and paying off the credit card with the highest interest rate first and then work through your other cards by paying the minimum balance owed. Once the first card is paid off, using the same amount that was used to paying and apply it against the next highest interest rate card. This method may seem a bit slow compared to the snowball method however you may be saving a bit more money overall by paying the higher interest from the credit card balance.
Either way works and by focussing on the end goal of reducing debt is a priority. It may come down to how it makes you feel will determine which method works best for you!

DM me if you wish to find a strategy that works best for you.

08/19/2023

Do you know about Dollar Cost Averaging (DCA) in investing your money? The market has declined in the past year. Rather than panic sell, this is the time to take advantage of buying more units when pricing is low. It's that term buy low, sell high. DCA allows you to spread your investments in segregated funds over 2-12 months. As you gradually buy back into the market riding the ups and downs, the dollars invested will come out to an average. This also reduces the risk and fear of investing at the wrong time or potential impact of the market downturns on your total assets. Helps provide peace of mind as you don't have to predict if it's the right time to invest your money. Minimum investment is $25/mo to start saving. contact me for further information or if you have questions.

07/28/2023

With the rising cost of food and groceries, what are some of things you can do to cut down costs? I noticed it awhile back when I was shopping for red lentils and found it in two different aisles, one in the regular and the other at the International section in a different aisle. It was interesting as I found the bag in the International aisle was a larger bag for about the same or even less than the other smaller bag in the regular aisle.

Perhaps when shopping for certain type of products, look in the International aisle first before the regular aisle and you may be totally surprised.

Here's a new report that indicated the same thing on City News on July 24th.

https://youtu.be/dUa48ix4EtQ

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