Remembrance of Faith

“Dwayne … don’t ever loose your Faith.”  Uncle Carl Dobranski

Like most people, I have been Blessed with some very influential people in my life.  Some of those people are bigger than life itself.  Uncle Carl Dobranski was one of those guys.

He was a big strong man with a deep voice and huge hands.  Hands that you never wanted to be on the wrong end of.  Strong, confident and a good honest caring person.  He grew up on a farm, and raised his family on a farm.  Our farm was just down the road from his farm.  He was one of those guys you always wanted on your side, and you never wanted to let him down.  Just like he never let all of us down.

Uncle Carl served overseas during World War II.  From what I understand, he served for most of the war, signing up early and staying until the end.  When he came back he was like most that came back, he lived not to tell about it.

I used to enjoy sitting down and having a sip or two with him.  He would share stories and we’d laugh.  I loved the fullness of his laughter.  He would tell me how much he loved my Dad, and how much he missed him.  It was good to know someone else felt like I did.  He would always make sure that I left a little bit smarter than before we sat down.

On one of those visits, after a couple of sips of course, he opened up for the first time to me about the war.  He never went into any of the horrible memories that he must have had.  All he did was tell me in his deep voice that through all the hell, chaos, turmoil, confusion, despair and the feeling of vulnerability, he never lost his Faith.  He told me the only thing that got him through all that hell was his Faith.

He then looked at me and said … “Dwayne, don’t ever loose your Faith”.

I remember the feeling I had of never wanting to let him down.  I felt the pressure at that very moment when I wasn’t sure if I could make that big of a promise to him.  The confusion that I also felt, as the wheels of my mind were turning, wondering how on earth he could have maintained his Faith in what I could only imagine was total hell.

Uncle Carl passed away in 2000 at the age of 83.  It was an honour for me to be one of the six individuals to carry Uncle to his final resting place, next to his loving wife Auntie Mary.

I often think back to those words that Uncle taught me … “don’t ever loose your Faith”.

For a long time I believed that the meaning of having Faith meant going to Church to prove that I have Faith.  And when you are there give generously, that always proves you have Faith.  Be sure that everyone knows just how much Faith you have!

But what I am beginning to realize is that the Faith that Uncle was talking about wasn’t these secular types of beliefs.  Sure he believed in going to church, and in Christianity, and his Faith in Jesus Christ was an extremely important part of his spiritual beliefs.

What I am realizing is that Faith is not a tangible item that you just show up for.  Tangible Faith beliefs, are beliefs that are created by us humans who are challenged by our own personal valuation of Faith. Just like all of us are from time to time.  There must have been times that even Uncle Carl must have had his Faith challenged.

I believe that the lesson Uncle Carl was teaching me that day was to have Faith that God loves me.  That my Family loves me.  And that I have to love me.  Without Faith that you are loved, Faith is very easily lost.  At the same time that we find it difficult to love ourselves, we loose Faith in ourselves.  When we don’t love ourselves, we make it difficult for others to love us and have Faith in us.  Yes, even God must be challenged to have Faith and to love some of us some of the time!

On the battlefields of Europe, where it was so difficult to find love, those that survived had Faith that their Higher Power, their God, loved them.  That was what got many of them through those dark horrible days.

At this time leading up to Remembrance Day let us give thanks to those who have served.  Take time to honor those who have never let us down.  Express our heartfelt gratitude for their giving.

Let us have Faith that love will always prevail over evil.  Let us have Faith in each other.  Let us have Faith in our Higher Power, your God whoever that is to you.  Let us always have strength to love the you that you are.  Lest We Forget.

Complete the following to contact Dwayne.

In Flanders Field the poppies blow…..


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.


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!

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!

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