Our Team
Lance Graham, CFP
Certified Financial Planner
Lance’s interest in the financial industry started early and with the establishment of Balanced Wealth Management in 2010, he has the platform to provide clients with a wide range of customized solutions. With over 15 years of experience, he remains dedicated to the success of his clients.
Together with his wife Amanda, they enjoy traveling, camping at the lake and spending time with friends and family. Their children, Ariana & Walker keep them busy with a long list of activities.
Lance looks forward to assisting clients identify what their financial goals are and then implementing a plan to help them reach them.
Shelley Laboucane
Executive Assistant
Shelley joined Balanced Wealth Management in 2018 to oversee the administrative details of day to day operations. With over 20 years of experience in the financial & insurance industry, her focus is to ensure clients receive quick, professional and friendly service. Client needs are her priority.
Outside of the office, Shelley, along with her husband, Dan, enjoy spending time puttering in their yard and will soon be tending to some feathered friends as they add in some backyard chickens.
Jayne Kazi-Tani
Administrator
With 10 years of experience in the insurance industry, Jayne joined the Balanced Wealth team in 2021. Jayne focuses on assisting our insurance clientele with their service needs.
When not in the office, Jayne can be found traveling around Alberta and often in the mountains. Her love of nature and everything Alberta offers can be found in her photography.
How we work with our clients
Understand Your Situation
The financial planning process by asking questions to get a clear picture of who a client is and what they want. The questions are qualitative and lead to a better understanding of the client's health, family relationships, values, earnings potential, risk tolerance, goals, needs, priorities, and current financial plan.
Identify and Select Goals
Your advisor will use their financial expertise to help you set goals. They'll ask clarifying questions to help you identify those goals. Example questions would be: What is your time horizon? Which goals do you want to accomplish in five years, 10 years, 20 years, or 30 years? What is your risk tolerance? Are you willing to accept a higher risk to achieve your investment goals, or would you prefer a conservative portfolio?
Analyze Current Action Plan
Next, we analyze a client's current action plan to see if things are moving in the right direction. If not, we will identify possible "course corrections" and explain the advantages and disadvantages of each option.
Develop Recommendations
We select one or more recommendations that we believe will help you meet your goals. We evaluate each recommendation based on this criteria:
- Assumptions made to develop recommendations
- How recommendations meet client's goals
- Integration with other aspects of a client's financial plan
- The priority of the recommendation
- Whether a recommendation can be implemented independently or needs to be implemented with other recommendations
Implement the Recommendations
Implementing the recommendations means we are putting the plan to work for you. While this sound simple, for many people implementation is the most difficult step in achieving their financial goals. Even though the plan has been prepared, it usually takes desire and discipline to put everything into action. Some people worry about what happens if they fail. Sometimes inaction can grow into procrastination.
Monitor Progress and Revise Plans
The process is called "financial planning" for a reason. Plans often evolve and change over time - just like life. Once a financial plan is created, it becomes a part of your personal history. Every financial plan needs to be monitored and tweaked from time to time to reflect present realities. Over time various life situations can change: marriage, children, career changes, and more.