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Val Kumagai, BES, CFP ®, CLU®

Certified Financial Planner & Money Coach | Calgary, AB

Val Specializes in Assisting:

  • Business Owners / Self-Employed
  • Professionals
  • Individuals (including divorced, separated, widowed)
  • Couples and Families

Val Specializes in:

  • Financial Planning
  • Navigating Life Changes (new baby or home, marriage, empty nest, inheritance, divorce)
  • Pre-Retirement Planning
  • Retirement and Pension Planning
  • Estate Planning

“Dreams become goals when you put pen to paper and write them down. It creates a vision in your mind of how you want to be in the future. The next step is to craft a plan that will allow you to reach these goals.”

Val’s Style

Val is very collaborative and enjoys sharing her knowledge and expertise with her clients, answering their questions and really getting to know them on the way to creating their customized financial or retirement plans. She enjoys illuminating the shift from accumulation of assets to a tax-efficient draw-down strategy for both retirees and business owners.

Val’s Story

Val lives in Calgary with her husband, children and beloved dog. She enjoys being close to extended family. As her kids get ready to leave the nest and explore post-secondary, she is appreciating the remaining time they are able to spend together under one roof.

When she and her husband were just starting out, she remembers the competing priorities of saving, travelling, purchasing a home and eventually welcoming kids. Throughout those years, they benefited from working with a trusted financial professional whose advice helped guide them towards financial success and security. Providing this kind of positive impact to her clients is what led Val to pursue her Certified Financial Planner designation. After working as an
insurance and investment advisor, she was delighted to join Money Coaches Canada and the advice-only financial planning community. Here she is able to provide unbiased advice, while helping her clients increase their financial confidence and ultimately live the life they want.

Val volunteers with Highbanks Society in Calgary by providing financial literacy and budgeting help to young families. She is thankful for the opportunity to contribute to the organization’s efforts to break the cycle of poverty.

Contact Val For a Free Consultation

Testimonials

Confidence and Return on Investment

Having inherited money that would be added to existing savings and investments, I was feeling a lack of confidence around upcoming financial decisions and understanding how these would impact our retirement goals. I wanted to avoid feeling like “I wish I’d known that” in future years.

Val’s impressive in-meeting communications and professional expertise have increased our awareness of both our over-arching financial landscape as well as the interconnecting details. She accommodated and navigated varying viewpoints and goals sensitively and respectfully.

She instinctively recognized my need for a high level of detail and provided more than expected, ensuring all aspects were thoroughly addressed and confirming understanding as we went along.

The retirement plan developed, including details around tax strategies, provides confidence as well as simplicity for us to implement.

I am confident that this investment will return many-fold through the tax, pension and investment strategies that Val has presented. We very much enjoyed working with Val and would recommend her services without hesitation.

– Shelley S.

Excellent Financial Advice

Val Kumagai was a great resource and provided excellent financial advice, processes and support in a professional and caring manner. I highly recommend her services.

– Tina

Optimizing my financial well being

After working with Val, we feel more confident and less stressed about our finances. We are saving for a rental property and feel informed about how this purchase will affect our cash flow. Val also helped ensure our RSPs were set up in the most tax-efficient manner and that our estate documents are in order. Val did a great job explaining the process and logic behind her recommendations. We plan to continue working with Val to optimize our financial well being. I would recommend working with a Money Coach to anyone feeling uncertain about their finances.

– T.S. – Teacher and Artist

Valuable advice

Before working with Val, we were feeling uncertain about our future financial picture. Val has been extremely thorough and helped set us up to make better decisions. She addressed all of our questions and concerns patiently and thoughtfully. We now feel more confident about the steps needed to reach our goals and have an actionable plan. We plan to continue to work with Val to stay engaged and keep on track. We would recommend working with a Money Coach and feel we received valuable advice.

– David

Clarity on my business and personal finances

I started with no knowledge at all, and my finances were feeling very chaotic. Val helped to clarify so much for me and created a system I can use to organize my business and personal finances and plan for any future uncertainty. I also have a retirement plan, which I didn’t have before, and I feel more confident that I will be able to reach my goals.

Val has been amazing, I’m so grateful that it was her who walked me through this process. Very responsive, supportive, non-judgemental, and knowledgeable. She was also able to teach me things I have tried to learn in the past but had not been able to “grasp”.

As a self-employed individual, I would recommend investing in Money Coaching services to others running their own businesses.

– Carly P.

Valuable retirement planning advice

We were feeling a lack of confidence regarding making good next steps as we approached retirement and we reached out to obtain a new and unbiased perspective. We now feel like we have an action plan and a better understanding of our current financial picture as well as a retirement projection that is realistic and comfortable.

Overall, Val stays very neutral and provides advice on the impact of all options. This gives us the information we need to make better financial decisions.

We really like Val’s approach to finance and the results from our meetings. It has been a positive experience and we plan to maintain this relationship and continue to work with Val going forward.

– Donna and Evan