Chartered Financial Divorce Specialist


The Academy of Financial Divorce Specialists is pleased to announce, Dwayne Fedoriuk, has been granted the Chartered Financial Divorce Specialist (CFDS) designation following successful completion of an extensive training program, including case study examinations.

Only those with recognized designations, such as, a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU) or Accountant (CPA) are permitted to earn this advanced accreditation which involves a detailed analysis of the many financial aspects of separation and divorce incorporating the use of specialized computer software.

A Chartered Financial Divorce Specialist has the expertise to provide a professional financial analysis for future lifestyle considerations.  The traditional method of equal division of assets is often unsatisfactory in its outcome.  An after-tax financial scenario displays the consequences of one’s decision, which is invaluable.  A CFDS is skilled in illustrating options for different financial situations with projections from a minimum 15 years through to retirement and beyond.

An issue of Money Planner magazine states “increasingly, financial advisors, particularly those qualified as Chartered Financial Divorce Specialists, are becoming involved in helping people through divorce.”

A CFDS can be retained directly by one or both clients and/or one or both lawyers or mediator.  A letter of engagement outlining the scope of services and cost is signed by the client(s) at the outset.  A Chartered Financial Divorce Specialist can work within litigation, collaborative or mediation process.

A Chartered Financial Divorce Specialist does not offer legal opinions or advice, but can provide valuable insight into financial matters related to divorce, such as pension plans, investments, property, insurance and budget management, etc.  The objective of a CFDS is to assist in arriving at the most adequate result after the examination of the available financial options.

Dwayne Fedoriuk, CFP, CLU, CHFC, CFDS, CHS, would be pleased to speak with you further on this topic.  He can be reached at 306-384-3321 or by email at

As well, please feel free to contact The Academy for additional information.

Linda Cartier, CFP, R.F.P., CFDS, PRP, ELP.

President – Academy of Financial Divorce Specialists

Click here to learn more about what a CFDS can do for you.



Knowing where you came from … where your roots were planted … where they were originally allowed to grow … allows you to go farther than those without an understanding of their roots.

Your language, traditions and core beliefs originated from those roots.  While those roots may not be perfect, from there you grow your own roots.  Be proud of those roots … they are yours.

Keep your own roots firmly and deeply planted, even while others try to dig them up and pull them out.  Those that attempt to do so, only do so out of their own weakness, their own evil, their own rotten roots.

Be proud of the knowledge that you possess as a result of those roots, whether that knowledge is good or bad.  Learn from that knowledge and apply that knowledge to the growing of your own roots.  The roots that your family will grow from.

Be kind to those roots, protect them and defend them.  It is from those roots that a successful life’s journey is dependent upon.

Enjoy the Journey!

The Sacrificial Marriage

Have you ever heard the saying that ‘in order to have a successful marriage you must make sacrifices’?  How about ‘In order to appease the other partner you must make sacrifices’.  Or ‘to make your partner happy sometimes you must sacrifice what makes you happy in order for the other person to be happy’.

This kind of sounds like relationship requirements of the dark ages.  Back when the man controlled the relationship and the woman was there to appease the man.  A relationship that really wasn’t a relationship – it could be considered more of an ownership.  ‘You will honor and obey your man until death do you part’, pretty heavy commitment!

Is that really what it takes to have a successful relationship?

I had the great honor of being the Master of Ceremonies (MC) for my sister’s 25th Wedding Anniversary.  My sister and her husband are a great couple.  They haven’t always had it easy, but they have worked hard to become very successful.  When I say very successful I don’t mean they have become financially wealthy.  They have become wealthy in the true sense. They have a solid relationship, great career and business, strong spirituality and  they have three wonderful children.  They lead a very balanced life and it comes through in their relationship.

Following the traditional speeches, toasts and kind words it was time for me to close the ‘ceremonies’ so we could get to the dancing and celebrating part of the evening.

In my closing remarks I couldn’t resist but ask the 200 plus attendees to answer this question by a show of hands.  The question – ‘In order to have a successful marriage do you need to make sacrifices?’  Roughly 75% to 80% of the people put up their hands in agreement.  Yes you MUST make sacrifices.

I found this very interesting.  Especially after listening to the speeches and the accolades that everyone made about the couple that we were there to celebrate with.  None of the speeches talked about the sacrifices that they had to make in order to have a successful marriage.

Everyone spoke about the value of the friendship the couple possessed.  How they worked together to raise such a lovely family.  How proud their parents would be of them for what they have accomplished.  How they have accomplished so much in the past 25 years together.  And yet after all these comments the attendees felt very strongly that you have to make sacrifices in order to have a strong relationship.

Earlier that day I saw a poster that was completed by the Catechism class in the Church that we celebrated a renewal of their marriage vows.  A Catechism class is made up of young children. Across the top of of the poster it said ‘What is Love?’.  Then it had a few points below that defined Love in the minds of those children.  Some of the points were – Caring, Sharing, Helping, Fondness, Adoring and Respect.

Interesting that the word sacrifice was not on their list of how to define love.  Is it not love that is needed to have a strong relationship?  And if it is love, and if sacrifice doesn’t define love, then why do we feel that we must sacrifice to have a strong relationship.  Marriage is a Sacrament – sacrifice is not a Sacrament.

There will always be give and take – give and take is required to reach a common goal.  Give more and take less.  A strong relationship is 100/100.  Divorce is 50/50.

The common goal should be a strong loving relationship.  Not a relationship where you must sacrifice your core beliefs just to make the other person happy.  Nor should you demand that your partner make sacrifices so that you can gain what you want out of the relationship, in order to fulfill your selfish desires.

A relationship that is built on how the Catechism class defines love will always be stronger than the relationship that is built on sacrifices.

Dare you to Follow Me!

The Esteem That You Are


“Growing your self esteem is the foundation of growing your relationships with all that you want in your life. Not because someone is watching … because you are watching.”

Self-Esteem is the reputation that you have with yourself.

Other-Esteem is the reputation that you try to gain from other sources than yourself.

Growing your self esteem grows the reputation that you have with yourself.  The reputation that you see and most others do not.  Depending on other esteem to grow your self esteem is usually a short term resolution to a long term necessity.  Self esteem is a long-term necessity.  Without self esteem, it is nearly impossible to have Faith.  In order to have Faith you need to stand for something, to have boundaries.

The stronger your self esteem, the stronger and more dependable your personal boundaries will be.  Having strong boundaries does not mean that you are arrogant.

‘Self’ is a person’s essential being that distinguishes you from others.

‘Esteem’ is respect and admiration, typically for a person.  Self esteem then, is the respect and admiration that you have for yourself

‘Arrogant’ is defined as having or revealing an exaggerated sense of one’s own importance or abilities.

Possessing a low self esteem would then mean that you have a low admiration of yourself.  A low belief in your essential being.  The being that you are.

Is the being that you are a butterfly or a mosquito?

A butterfly is graceful, beautiful and colorful.  Butterflies are difficult to catch.  If you do catch one, they are soft and confident when touched.  They spread life to plants.  They are an expression of love to humans.  They share hope.  They are respected and admired.

Mosquitoes on the other hand are arrogant.  They attack others.  They suck from others.  They spread disease.  They lack grace and they replace confidence with aggressiveness.  They possess few qualities that humans want.  And they are easily swatted and killed.

Would you rather be surrounded by butterflies or mosquitoes?

By Dwayne Fedoriuk

“Float like a butterfly and sting like a bee!” – The Greatest of All Time…Muhammad Ali

Realigning Our Worth

The Facts

Fact. 1

Society’s value system is misaligned

Our society has a ridiculously huge focus on valuing a person’s net worth on how much stuff you own, or at least appear to own.  Commercialism is rampant.  Following the lifestyles of some rich, over indulged reality person for some reason has become reality – when in reality it isn’t.  People are led to believe that the person with the most toys wins.  And all you have to do is make more money so you can buy more things and all troubles will be cured.  The fact is that money is important – but it must be aligned with your well-being and the experiences that are of value to you and your family.

Fact. 2

Our well-being is continually challenged by the demands of society’s expectations.

The ‘Hamster Wheel’ lifestyle that people are living is putting a strain on our physical and spiritual beings…we are allowing this ‘Keep up with the Jones’ lifestyle to control our real meaning of life. Core values have become misaligned as a result of the pursuit for wealth.  A wealth that is misaligned, out of balance and has resulted in an implosion within individuals and their families.

Fact. 3

Our ability to grow and share our knowledge in meaningful ways is being taken away.

Because of the demands of day to day life we spend more time preparing for work, commuting to work and at work than the time we invest in experiences and the sharing of those experiences with those that are important to us.


Sageview Strategies is changing the way that your net worth is determined, invested and grown.  By focusing on the balance of three key areas in a triad, the results become more meaningful wealth.  It’s a wealth that is transferable from one generation to the next.  A wealth that does not deteriorate.  A wealth that is controlled by the owner – the owner is you.

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Vicissitude – A change or variation occurring in the course of something

Why is wealth defined by how much you are financially worth?  How much money do you have in the bank?  (or under your mattress!)  How much is your stock portfolio was worth?  How big is your house?  And how expensive is your fancy suit?

Sageview Strategies Inc. is rewriting the book on how to define your wealth.  We believe that financial independence is defined by each individual person – that would be you – not some big bank or investment firm.

It’s the value that you place on your most meaningful assets that creates a wealth that grows exponentially.  A wealth that is truly balanced and meaningful.

Your belief’s, your values and your self-worth is the key to your financial independence.

Why does Sageview Strategies Inc. do what we do?

We believe that your wealth is a combination of your Personal Wisdom, Well-Being and Financial Assets.

Coaching individuals to invest in these assets today.  Growing their value into tomorrow. Then bringing them to the world in the future is our passion.

That’s how we are redefining wealth.

That’s Vicissitude!

The Perfect Father


If a father makes everything perfect in his children’s lives they may admire him for his perfection, but do they love him?

There is a growing admiration of the pretty bright shiny things.  All those eye-catching things that the preachers of consumerism keep throwing our way.  Like the so called famous people, who have no talent.  The biggest fanciest televisions, that can no longer be repaired.  The fastest cars, boats, motorcycles and other toys, that are difficult to afford.  I could go on but I think you know what I mean.

As a father, we always say we want the best for our children.  We want to give them what we never had as children.  We want their lives to be easier than ours.  We want our children’s prosperity to be greater than ours.

These are great wants and very honorable desires … but what exactly is it that we want our children to have more of, and at what costs?

Do these desires as a parent mean that we have to continually be reaching deep into our pockets, or lines of credit, in order to purchase the newest and fanciest items for our children.  Do we have to work two jobs to make sure that our children are fully involved each minute of the day in activities?  Do our children need to have more structured experiences by the time they turn sixteen, than we did by the time we turn forty?  Did we turn out that bad that we have to kill ourselves to make sure our children don’t turn out lesser than us?  So that they seem to have more than we did when we were children.  Is that what wanting more for our children means?

What is it that children really need?  They need parents that provide them with stability and certainty with their presence, not presents.  They need parents that will challenge them to grow a balanced and full childhood.  A childhood that is filled with a variety of childhood experiences, not adulthood experiences.  They need to learn that being a child is extremely important.  That this stage of their life needs to be filled with childhood dreams, not their parents unfulfilled dreams.

Most importantly, children need to be loved.  They need their parents to be there for them.  To be with them as they grow and learn.  They need to learn this love from their parent, not from an app on their new tablet.  And they need to make mistakes so that they learn that everything they do isn’t perfect.  They need to learn that there are no participation ribbons in the real world.  As children we learned from our mistakes.  Mistakes are valuable learning opportunities, we need to stop taking this away from our children.

Can a relationship with our child that is based on admiration of perfection be permanent?  Can this form of admiration last forever?  Or does this admiration diminish in time, as the child finds out that their father is not perfect.  Admiration of perfection is fleeting in that way.  Just like all those other bright shiny things that don’t last.

Striving to be a perfect father takes away from our ability to be human.  To be a good father you must love, to love you must be human.  True lasting love has a difficult time surviving within perfection.  The pursuit of being admired for perfection can have a smothering effect on a relationship.  And like everything else, when smothered it will die.

Sometimes we even need to make mistakes and learn with our children.  We need to be less than perfect to be perfect.  When a father makes mistakes, and learns with his children, his child learns that life is about continual learning.  When a child sees their father learning from the mistakes he makes, the child learns that they do not need to feel that they have to be perfect.  They learn to not smother themselves.  They also learn the extremely important virtues of humility and forgiveness.  These virtues can only be learned where imperfection exists.  Where reality exists.

The other virtue that is taught through imperfection is love.  A child’s love is the true admiration of a father.  When a father can laugh with his child about the mistakes they make.  When they can learn together through those mistakes.  The bond that is created is everlasting.  The love that is created is everlasting.  This is a love that is not fleeting like the admiration of the next bright shiny thing that comes along.

Teaching your child that you love yourself, even though you are not perfect, is one of the greatest teachings a father can ever give to their child.  This one thing alone will most likely give your child more than you had ever received as a child.

“An internal motivation will take you farther, Father, than an external motivation!”  — Alison Fedoriuk

Taking Yourself Seriously

“It’s your outlook on life that counts. If you take yourself lightly and don’t take yourself too seriously, pretty soon you can find the humor in our everyday lives. And sometimes it can be a lifesaver.”  – Betty White

“Don’t Take Yourself Too Seriously” – this is a quote heard often with the implication that we put too much pressure on ourselves, we don’t laugh at ourselves, we don’t enjoy life to the fullest.

What happens when we don’t take ourselves seriously, and we end up in a situation that is sucking the life out of us?  When we become codependent on satisfying someone else?  When we have succumbed to the master who is treating us like dirt?  Allowing yourself to be treated like a doormat is not taking yourself seriously.

At what point do we look at ourselves and take us seriously?  We are human, and we deserve to be treated with respect and dignity – by ourself and by others.  How do we pull ourselves out of the trenches in order that we can recognize our value and live life?

Life experiences have taught me that we begin by Admitting we are powerless over the situation that has us strapped down.  Pour Faith into a Higher Power; that this Power will guide us if we allow it.

When you have Faith, then you begin to Believe …… in yourself, in your spirit, your faith, and your value.  Believe that your Higher Power loves you unconditionally, in the same way that you should love yourself.

As you begin to Believe in yourself, your Trust in yourself will become a reality.  Trust, also, that your Higher Power will be there to guide you and show you the way.

Cultivate relationships with people that understand your situation, and provide you with support, guidance and the tools that you need.  Relationships that serve you according to your needs will give you strength as you learn to Believe in yourself.  These relationships may be very different than relationships with a “cheerleader” who carry you along with fluff and kind words.

Each of us was given the gift of life to celebrate.  It is our own responsibility to take ourselves seriously to ensure that we are treated with respect and dignity; and when we do, we will find love and laughter in our own lives and learn not to take life too seriously.

Written by Bev Fedoriuk

“Without God, man cannot; without man, God will not. If I don’t take some sort of action, my Higher Power does not have anything to work with.”  Quoted from Today’s Hope