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ETHAN GALLANT
Financial Consultant
Golden evening light over Okanagan Lake and the surrounding hills
Personalized advice. Lasting results.

Ethan Gallant

Your future.
A thoughtful plan.

Life is full of possibilities. Let’s protect what matters, invest with purpose, and plan for what comes next.

Let's talk about your future Explore solutions
Rooted in Kelowna, British Columbia
PLANA clear path forward
PROTECTWhat matters most
INVESTWith intention
GROWThrough every life stage
The bigger picture

Financial solutions.
For every stage of life.

Starting out, growing a family, or thinking about retirement? Your financial plan should meet you where you are.

Life insurance

Protect the people who matter most, with coverage that fits your life and your responsibilities.

Let's explore your options

Wealth strategies

Bring the pieces together with a financial approach that evolves alongside you and your family.

Let's explore your options
A protected home, growing stacks of coins and a thriving plant represent protection, investing and growth
A plan built around you

Real life first.
Financial planning second.

Your finances are personal. Your advice should be, too. I’m Ethan, a Financial Consultant with KWG Financial Inc., based in Kelowna. My approach starts with listening and making your options easier to understand.

01 / LISTEN

Your life. Your goals.

Start with what matters to you and where you want to go.

02 / PLAN

Make it make sense.

Explore your choices with clear, straightforward guidance.

03 / EVOLVE

Grow together.

Revisit your plan as your life and priorities change.

Get to know your options
Investing, made clearer

Different funds.
Different possibilities.

A fund brings together money from many investors to hold a collection of investments. Different types serve different goals. Here’s a simple starting point.

Fund examples are educational, not specific product recommendations. All investments carry risk, including loss of principal. Fees and product availability vary.

At a glance

Balanced funds

A mix of stocks and bonds in one fund. The aim is to balance long-term growth with a more measured level of risk.

Relative growth emphasisConceptual illustration only
PRIMARY FOCUSGrowth + income
TYPICAL RISK PROFILEModerate
By way of example

What this could
look like.

Two everyday situations, kept deliberately simple. Yours would start with a conversation about your own numbers and goals.

Example · Term insurance

A young family, protected.

Jordan is 34, married, with a $420,000 mortgage and two kids in daycare. The household runs on one income, and the mortgage has about 20 years to go.

One option that could fit is $500,000 of 20-year term life insurance. If Jordan passed away during those 20 years, the policy would generally pay a tax-free benefit to the beneficiaries — money that could clear the mortgage and give the family room to breathe. If the 20 years pass quietly, the coverage simply ends, and the plan can be reassessed.

THE OPTION SHOWN$500,000 · 20-year term
IF A CLAIM IS MADETax-free benefit to beneficiaries
AFTER THE TERMCoverage ends; reassess
Ask about something like this
Example · Investing

A steady saving habit.

Priya is 29 and wants to build wealth without thinking about it every month. She sets aside $250 from each paycheque into a TFSA, invested with a balanced approach in mind, and leaves it alone for the next twenty years.

What $250 a month becomes · assumed 8% average annual return
~$18,0005 yrs~$46,00010 yrs~$87,00015 yrs~$147,00020 yrs
ContributionsAssumed growth
Same $250 a month · different start age
Both assumed at 8% a yearHypothetical, not a projection

What she puts in is the part Priya controls: $250 a month for 20 years is $60,000 in. The chart then applies one simple assumption — an average 8% annual return, compounded monthly — to show how growth on top of growth can shape the outcome: roughly $18,000 after 5 years, about $46,000 after 10, and close to $147,000 after 20. That 8% is invented for the example. Real returns wander, some years are negative, and no average is promised. The lesson is the habit and the time, not the number.

SET ASIDE$250 a month
TOTAL SHE CONTRIBUTED$60,000 over 20 years
AT AN ASSUMED 8% AVERAGE~$147,000 illustrative value
Ask about something like this

These examples are simplified and for illustration only. They are not quotes, projections, offers or recommendations, and actual coverage, costs and results depend on individual circumstances, product terms, eligibility and market performance. Where the investing example shows a value, it assumes an average annual return of 8% compounded monthly — a round figure used to demonstrate compounding, not a forecast, expectation or guarantee. Actual returns differ from year to year, can be negative, and past performance does not indicate future results. Fees, taxes and withdrawals also affect outcomes. A TFSA has annual contribution limits.

A little clarity

Good questions.
A great place to start.

You don’t have to have it all figured out.
That’s what a conversation is for.

Term insurance covers a set period and is often used for temporary needs such as a mortgage or raising children. Permanent insurance is designed for lifelong coverage, subject to policy terms. Your family, budget and goals help determine which options to explore.
Your next chapter starts here

Let’s put your
future in focus.

Have a question, a goal, or just want to know where to start? Reach out. I’d be happy to connect.

Start a conversation
Save my contact
Give me a call250 878 5982
Send me an emailethanjgallant@gmail.com