“Everyone’s situation is unique. I listen and understand the goals that are most important to you. I simplify financial concepts and clearly explain my recommendations to make sure that we are on the same page. Trust and integrity are paramount in developing a long-term member relationship.”

Having been in the credit union financial services industry for well over two decades, David has seen many market ups and down. He believes that having a diversified portfolio and staying the course is the best solution in reaching your financial goals and objectives.

David listens closely to his members to find out what is most important to them and their families. He believes that financial assessment is unique to each individual and he provides you with customized, simple and easy-to-understand solutions without the complicated financial jargon.

David suggests that you pay yourself first by setting up an automatic savings plan from each paycheque to your RRSP or TFSA accounts. This will make a big impact on achieving your financial goals and objectives.

Areas covered:

Edmonds, Metrotown, Nordel, Westminster

​“I work as your financial partner and guide navigating you through your ever-changing and evolving financial landscape. Together with our team of wealth management professionals, I look to provide full holistic financial advice.”

Tyler has over a decade of experience in the financial services industry and has helped countless individuals meet their unique financial goals. As a Certified Financial Planner, Tyler is passionate about partnering with Gulf & Fraser members to turn their dreams into reality. Tyler specializes in providing Gulf & Fraser members with personalized, tailored advice and access to a comprehensive suite of investment products through Aviso Wealth.

Tyler believes that creating goals that are meaningful to the individual is one of the most important considerations members should keep in mind when planning their financial futures. He also enforces the message that it is never too late to start investing, and that the power of compound returns paired with sound advice can make a substantial difference in meeting financial goals on a tighter timeline.

Areas covered:

Cloverdale, Fleetwood, Guildford

“I truly enjoy what I do. I am humbled by the trust and confidence many have placed in me to assist with their critical life decisions, and I have built lasting relationships through the process.

Each person brings their own concerns, hopes, and dreams. Wherever you are on your financial journey, you want to be able to make informed decisions and understand their impact—not only for your own wellbeing, but for your loved ones, families, friends, and communities.” 

Jennifer began her career in financial services in 1991 and progressed through a variety of service and leadership roles. She completed her Certified Financial Planner® designation and has been working as a professional Financial Planner since 1996. Jennifer was with Envision financial for 25 years prior to joining Aldergrove Credit Union and then Gulf & Fraser, by way of a merger in 2021.

Jennifer works with members to help them identify the things that are most important to them, build actionable plans to achieve their goals and foster peace of mind and confidence in their financial future.

Areas covered:

Murrayville, Otter, Willoughby and Langley

“I am proud to be a member and employee of Gulf & Fraser, as my values of helping members succeed and prosper in their financial goals align with the values of Gulf & Fraser. I’m also proud to contribute to the work we do enriching our local communities.”

Anand has worked with credit union members for over 20 years in helping them discover their financial goals and creating a roadmap to achieve them. With his education and experience, earned by working closely with members, he believes that the path to success begins with a solid financial plan.

Anand likes to start by encouraging you to open up about your financial goals and how you envision your retirement. Using the planning tools at his disposal, he engages you in a disciplined approach to investing which helps you achieve your desired goals.

Area covered:

Main Street, 41st Avenue, Fraser, Graveley St

“With several years of investment management experience and a strong academic background in finance, I work closely with our team of wealth management professionals to provide a holistic approach to financial advice for our membership.”

Scott has a Master of Science in Finance from Simon Fraser University and is a CFA charterholder.

As an Aviso Wealth Planner, Scott offers a full array of mutual funds* and develops personalized financial and tax-efficient investment strategies to help Gulf & Fraser members achieve their financial goals.

Scott believes that having a plan in place and the appropriate asset allocation are the keys to financial success. He encourages members to meet with him on a regular basis to review their goals, current situation and asset allocation to ensure they are on track.

Areas covered:

West Broadway, West End, RIchmond Centre, West Richmond

Karen has worked in the financial services industry since 2009 and specializes in retirement income planning, accumulation of wealth and estate planning. She has a passion for helping members uncover their needs and achieve their goals. 

As a Certified Financial Planner, Karen can teach people about how the financial planning process relates to more than just their investments and build a customized, comprehensive plan based on the highest educational standards in the industry that maximizes financial resources, reduces debt, and helps members achieve their financial goals and dreams.

Karen believes in a quote from Warren Buffet – "Do not save what is left after spending, but spend what is left after saving."

Karen brings a wealth of knowledge and experience to our team of accredited financial professionals.

Area covered:

Aldergrove and Mission

“Have a relationship with your financial advisor rather than your phone. You could be missing out on advice and guidance that could help you do a lot better. This is something we offer you as a member of Gulf & Fraser.” 

Steven Brar is an experienced Certified Financial Planner (CFP) with a successful history of providing comprehensive financial advice for retirement, estate planning, investments and risk management. 

Steven offers an in-depth knowledge of industry products, services and best practices. He is adept at evaluating data and delivering sound advice based on risk tolerance, financial goals, and individual circumstances.

Steven is a passionate public speaker and has been a guest on News1130, the Moolala podcast and Gulf & Fraser’s Smart Money Podcast. His latest podcast, Investing in Turbulent Times, is available on Apple Podcasts and Spotify.

Areas covered:

Abbotsford, Mount Lehman, Mount Lehman Centre

“I find it so rewarding to build trust with my members allowing them to feel confident in my ability to help them reach their financial goals and give them more time to focus on their careers and family.”

Cory has been with Gulf & Fraser since 2016. After completing his Bachelor’s degree in Economics from the University of Victoria, he obtained his Canadian Securities Course (CSC) certification from the Canadian Securities Institute.

As an wealth planner, Cory listens to you to find out what you value most. He provides you with investment strategies tailored to reach your financial goals and objectives. He knows that investing can seem very complicated and can involve language that many people aren’t familiar with. So he’ll make sure to avoid using “investment jargon” when he speaks with you.

Cory strongly believes in saving early and often. He’ll remind you that paying yourself first is a great method to achieve financial success over the long term.

Area covered:

North Burnaby, Port Coquitlam, Brentwood

“It’s not how much money you make, it’s how much you save, and everyone can benefit from a well-structured financial plan.”

Jeanie strives to provide customized advice for each member’s unique financial situation. She offers solutions to generate return and tax efficient incomes. Jeanie specializes in retirement income planning.

Jeanie enjoys sharing financial information with clients and works with them to create a plan that will help them achieve their goals. Whether they want to retire on time or learn about estate planning, Jeanie has the knowledge and advice to really work with and for her clients.

Areas covered:

Coquitlam, Burnaby

“I enjoy putting you as the focus and helping you navigate your personal financial story. I work with you on a plan for your needs, circumstances, and goals. I leverage my teaching abilities to assist you with making healthy financial decisions for yourself and your family. I believe the best investment you can make is in yourself. Let’s build your financial future together!” 

Pamela is a Certified Financial Planner with 15+ years of experience specializing in personalized financial strategies for individuals and families. She’s passionate about helping members achieve financial freedom through suitable investments, retirement planning, and wealth management. Known for her clear communication, transparency, and people-first approach, Pamela is dedicated to helping members reach their financial goals with confidence.

Pamela teaches the Financial Planning program part-time at BCIT as part of the FP Canada accredited program for students seeking to earn their CFP designation and has been doing so since September 2016.

Areas covered:

Graveley, Brentwood

“It can feel uncomfortable to talk about illness and, because of this, other insurance planners may try to make up their client’s minds for them. I won’t do that. I will present you with options for your insurance coverage and help you along the way.”

Steve has nearly two decades of experience in the financial services industry and has spent the last 10 years specializing in insurance. As a Certified Health Specialist (CHS), Steve gives specialized advice on disability, critical illness, and long-term care insurance.

Having dealt with all types of financial situations over his career, Steve offers practical advice on how you can best protect your assets, without the added pressure of a commissioned sales approach.

Having a “difficult conversation” with Steve can benefit your family in the long run.

When Steve met with Rob², a new immigrant to Canada—and the sole breadwinner for a family of three—he encouraged Rob to get critical illness insurance coverage as part of his life insurance package. Rob was only 46 at the time; he underwent a full medical check and was deemed in good health. But just two years later, Rob fell ill unexpectedly and had to undergo heart bypass surgery. He couldn’t work so he used his critical illness insurance to help him meet the costs of rent and groceries and caring for his family.

“I feel proud I was actually able to help someone like Rob.”

Steve believes strongly in helping you protect your family and the assets you work very hard to accumulate. This is how he approaches all cases. Talk to Steve about your insurance needs today.

Areas covered:

All regions of British Columbia

“I am here to help our members to understand how investment and insurance work, what options are available to them and how they can take advantage of these options, so they can make the best decision for their own financial picture.”

Sina Asgari knew from a young age how important financial literacy is to living your best life. He has a natural ability to understand and relate to concerns people have when dealing with uncertainty in their lives. He works closely with members, answering their questions and guiding them towards achieving their financial goals.

Sina provides financial advice to our members—whether that is guidance around using credit cards, choosing life insurance, or investing. He has a diploma in Business Administration, Marketing and Finance and he is preparing for accreditation as a Certified Financial Planner. Sina holds high the cooperative values of Gulf & Fraser and is proud of our reputation for delivering quality service. He sees the relationships that he and his colleagues have with members as one of the best offerings of Gulf & Fraser.

Areas covered:

Main St., West Broadway, West End

“When providing advice and knowledge, I present options that show how you can achieve financial freedom with an easy-to-follow plan.”

Diana has been in the financial industry since 2013. After completing a bachelor’s degree at Simon Fraser University, she obtained her Mutual Funds (IFC) certifications from the Canadian Securities Institute. In 2019, she became a Certified Financial Planner.

Diana's goal is to empower you with the confidence that comes from understanding your overall financial position. She'll help you identify opportunities and obstacles that may change the path towards reaching your goals and walk you through the steps towards making those goals a reality.

Diana is a firm believer in simple strategies. She emphasizes the ease of setting up an automatic savings plan and how this simple exercise can help you reach your goals without much effort.

Areas covered:

Edmonds, Metrotown, New Westminster, Port Coquitlam

“My focus is helping our members to reach their long-term financial goals. I create financial plans with respect to each member’s unique financial situation, time horizon, life stage, and the level of risk they are willing to take to achieve their goals.”

Mike is a Mutual Funds Investment Specialist at Aviso Wealth and Gulf & Fraser, where he offers financial advice on a variety of investment products as well as creates custom Smart Money Plans based on a member’s goals and their unique situation.

Mike has a Bachelor of Business Administration degree from the University of the Fraser Valley, he is accredited as a Responsible Investment Specialist and is a Fellow of the Credit Union Institute of Canada.

Areas covered:

Abbotsford, Cloverdale, Mission, Mount Lehman, Mount Lehman Centre

"As an investment specialist, I understand that financial planning can be complex and feel overwhelming. That’s why I'm here to provide clear guidance and support, helping you navigate the journey with confidence and ease."

Sean is dedicated to helping individuals and families achieve their financial goals through personalized, strategic planning. As an Investment Specialist at Gulf and Fraser, Sean provides tailored advice on wealth management, retirement planning, investment strategies, and tax-efficient solutions to ensure long-term financial security. He takes pride in building lasting relationships and empowering members with knowledge, helping them make informed decisions that align with their long-term goals.

Sean holds a degree in Business Management from the University of British Columbia Okanagan and has completed the Investment Funds in Canada Course at the IFSE Institute as well as the Responsible Investment Specialist Certificate from the Responsible Investment Association (RIA).

Committed to clear communication, Sean offers both in-person and remote consultations to ensure flexibility and accessibility.

Areas covered:

Oakridge, Fraser St.

“I love building genuine relationships with my members and assisting them on their financial journeys! I find true satisfaction in providing them advice to become more financially confident which they can use to thrive in all aspects of their life.”

Sina is an investment specialist and Investment Advisor at Aviso Wealth and Gulf & Fraser. He has a Master of Business Administration degree from University Canada West and a Canadian Investment Funds Certificate. Sina is passionate about investing and seeing members succeed.

Areas covered:

West Richmond, North Burnaby, Brentwood

“I collaborate with you to focus on your individual needs so that you benefit from tailored financial strategies, because everyone deserves a strong financial foundation.”

Sarah believes everyone can benefit from financial advice and is a strong advocate for financial literacy. She loves knowing members, building long-term relationships, and helping them reach their goals. Sarah is passionate about understanding members’ needs and sees her relationships with others as a partnership. Her focus is to make finances approachable and believes every question is a good question.

Sarah is an Investment Specialist at Aviso Financial Inc. and Gulf & Fraser. Sarah successfully completed her Investment Funds in Canada course at the Canadian Securities Institute. She has her Liberal Arts Diploma with a focus on psychology and a Professional Essentials Communications Certificate from the University of the Fraser Valley.

Areas covered:

Willoughby, Murrayville, Otter, Aldergrove

“I enjoy working with members to build their personal investment plans, and ensuring they feel comfortable and have peace of mind that I will be looking after them with care.”

Franco is an Investment Specialist at Credential Asset Management Inc. and Gulf & Fraser, where he offers financial advice on a variety of investment products as well as creates custom Smart Money Plans based on a member’s goals and their unique situation. 

With over nine years in the financial industry, he enjoys working with members to build their personal investment plans, and ensuring they feel comfortable and have peace of mind that he will be looking after them with care.  
 
Franco believes that education is the key to success. His goal is to work with his members to ensure that they are confident and knowledgeable about the plans and solutions that are put in place to help them achieve their financial goals.

Areas covered:

Richmond, Vancouver (Branches are Richmond Centre, 41st Ave, Graveley, Fraser St)