Your financial happiness. It’s a journey. Not a destination. We’re here to help.



Your situation is unique, so your financial plan should be tailored to you. 


We’re here to help you and your family with all your financial needs, from saving for your children’s education to caring for aging parents.


You’ve worked hard to get here and we’re here to help. We make sure you have an integrated plan for your business and personal finances.


Comprehensive Approach

Have you ever felt that your financial goals or dreams are not 100% funded?

Do you feel like you make great money but are unsure where it goes at the end of the month?

If you could make your money do anything in the next 12 to 18 months what would it do?

We help structure a financial plan that focuses on your true financial dreams while helping to simplify your daily spending and savings.




A Behavioural Cash Flow Plan is NOT a budget. It is a plan that helps manage your day-to-day cash flow. It includes specific and clear advice on both spending and debt repayment.


A tax free lump sum benefit payable to your beneficiary upon death. Life insurance is not for you, but for your loved ones, to help pay for your final expenses, debts and replace your income for a period of time.


Savings accounts are typically for shorter term needs and investments for longer term. However, your situation may require otherwise and it is important to understand you and your needs.


We can help you determine where you are today in relation to where you want to be in the future, and we will help you build a plan to help you get there.

Meet Elanda Kowalchuk, 

Financial Happiness Planner

Elanda Kowalchuk, specializes in behavioral cash flow planning and works closely with families, creating Financial Plans that provide insight and direction to help them achieve their financial goals. A graduate of the University of Calgary, Elanda holds a Bachelor of Arts in Psychology. In addition to her years of experience, Elanda holds her Certified Financial Planner (CFP®), and Certified Cash Flow (CCS) designations.

Money Mindset:

Seven Distinct Financial Personalities

Regardless of education level or income, most financial decisions we make are directly correlated with our personality. Spending patterns, debt-repayment strategy, investment decisions – these aren’t only influenced by income and assets. They are also directly related to your Money Mindset. What kind of personality type do you have when it comes to the way you think about money?

What Clients are Saying

“Elanda was amazing to work with as I have a pre-existing health condition. She did a lot of work investigating options so that I could purchase insurance that would be able to help me and my family if the unthinkable happened. It is not easy sharing such personal information but Elanda’s caring nature and professionalism made me feel so comfortable and put me at ease.”

– Ashley Haineault

What Clients are Saying

“Elanda Kowalchuk cares very much about her clients and is not “about the money”. She will even take small files and clients and do her best for them. She has a big heart and has devoted a lot of her time and creativity to the Vernon Women in Business. She is very creative, kind and accepting and I would encourage potential investors and persons needing insurance to seek out a quote and a discussion.”

– Melody Martin

What Clients are Saying

“I leaned on Elanda’s experience and knowledge in helping me help my daughter and son-in-law see the importance of preparing for the “what if”. They are a young family with a toddler. She was able to give them real examples where the unthinkable happened and through those explained in a way that made it easy to understand.  Elanda made recommendations that were tailored ‘just for them’. These recommendations not only looked at their needs for when their son would be dependent on them but also long term needs while keeping budget in the forefront.”

– Kathy Drumm

What Clients are Saying

“The cash flow plan has worked so well for our family. It has given us the freedom to spend allotted money on necessities without guilt or stress or feeling like we have to justify it to each other, while at the same time still saving and working towards our other financial goals. We have found that there is less tension between us. We used to continually argue about saving vs spending, but now we have room for both in our cash flow plan.”

– Sarah Thiessen

What Clients are Saying

Recently retired, I approached Kowalchuk Financial to assist me in finding a medical benefit plan. I was very impressed by Elanda investigating my needs before doing a thorough and detailed analysis of different plan options. I was assisted in the selection process which ended up being the Manulife Vitality policy which has been very effective for me, both in cost and benefits.

– Mark Montemurro

What Clients are Saying

Elanda has been absolutely great to work with. She brings a wealth of knowledge while being very organized during every meeting and more than exceeds at her job. The CashFlow plan has been extremely helpful for my wife and I with getting on top and staying ahead of our finances. Elanda has made it an extremely easy transition to adopt and understand the CashFlow plan with some very helpful visual representations. We have already recommended her to some of our family members and will continue to recommend Elanda for anyone who is looking to sharpen up their finances.

– Levi Nicholas

What Clients are Saying

Elanda has been the #1 reason I feel confident about my financial future. I am now 26 years old and have been working with her for the past 6 years. Any time I have fallen off track I contact her and we re-evaluate the situation. We make a game plan and by the time our meeting is over I am stress free and excited about where my money is taking me!

The cash flow plan has let me go on trips, save for those expensive toys and live my life without the worry of over spending. All while saving for my future and being confident with the process!

I recommend Elanda to all of my friends and family so that they can live as fully and stress free as possible knowing that they’re finances are in good order!

– liam eddy