Milica Ivaz - Sensible Financial Solutions

04/07/2026

Feeling uneasy about RRIF withdrawals when markets dip? You’re not alone — I hear this question a lot. In volatile markets the stress isn’t caused by the markets themselves but by not having a clear, income-focused plan.

Here’s what I recommend: anchor withdrawals in a structured plan, separate income needs from market noise, keep a cash buffer for downturns, and watch tax impacts closely. And please don’t move everything to cash or let headlines drive your decisions — those moves often do more harm than good.

If you’re a professional woman, business owner, or planning for family retirement here on Vancouver Island, I’m happy to review your RRIF strategy and help build a steady, tax-smart income plan that fits your life. Want a second look? Let’s have a conversation.

Read the full guide and tips here: https://wix.to/tzjeUAC

How are you feeling about your retirement income strategy right now? I’d love to hear — leave a comment or send me a message. 😊

Market volatility feels different when you’re retired.You’re no longer just investing - you’re relying on your portfolio to generate income. And when markets decline at the same time withdrawals are required, it can raise an uncomfortable question:“Am I doing this right?”The answer depends...

04/01/2026

Worried about taking RRIF withdrawals when markets are volatile? Our new blog breaks down practical do’s and don’ts to help protect income and avoid costly mistakes. Read quick, clear guidance on withdrawal timing, rebalancing, and creating a withdrawal plan that fits your needs. Read more: https://wix.to/YIruWIv

Market volatility feels different when you’re retired.You’re no longer just investing - you’re relying on your portfolio to generate income. And when markets decline at the same time withdrawals are required, it can raise an uncomfortable question:“Am I doing this right?”The answer depends...

02/23/2026

Planning for retirement in Victoria can feel overwhelming - but it doesn’t have to.

We believe advice should be transparent, thoughtful, and aligned with your goals - not dependent on how much you invest.

Our fee-for-service structure offers clear fees, BC-specific tax planning, and personalized retirement strategies built around your life. With decades of experience, Milica focuses on helping clients feel confident and understood every step of the way.

Curious what a clear, side-by-side approach could mean for your retirement plans?
Visit us to learn more: https://wix.to/vNAc7Q9 📊🤝🌲

Call to action: Book a consultation and get a clear, personalized plan.

02/14/2026

Love is in the air - and so is smart financial planning. 💕 This month we're highlighting couple-focused strategies like income splitting and joint planning to reduce stress, improve cash flow, and build long-term security together. Read practical tips and simple steps for couples who want to align finances and future goals. https://wix.to/1p0lyLn
https://wix.to/h6zHFbI

💕 February is often about flowers, chocolates, and romantic gestures—but one of the most meaningful ways couples can show care for one another is through thoughtful financial planning.When finances are aligned, transparent, and intentional, they reduce stress and create room for shared goals. T...

01/07/2026

Feeling unsure about money choices as you move toward retirement? I get it — and I’ve spent nearly 30 years helping professional women in Victoria and Vancouver Island gain clarity and confidence. At Sensible Financial Solutions we work fee-for-service, so our advice is impartial and focused on your goals, not commissions. That means clearer retirement timelines, investment priorities tailored to your stage, and less financial stress. Curious how a confident plan could change your next decade? Visit https://wix.to/dE5hvIV to learn more and book a chat.

10/26/2025

October reminds us to pause, give thanks, and give back. 💛

From hospital galas to arts fundraisers, generosity is everywhere this season. And when you plan your giving wisely - even through your will - you create a legacy that lives on.

Learn how to make your donations go further, give tax-efficiently, and plan with purpose.
🕊️ Read my new blog: https://www.sensiblefinancialsolutions.ca/blog
💬 Plus, check out my recent feature in on planning for your future!

Blog Post https://wix.to/Sh1S2Z1

Stay informed and check out our regularily updated blog post to learn tips, insights and trends. Covering various financial topics to inform and inspire.

10/08/2025

The presentation by Brianna Blaney and Aria Hann from Pocketed on "Maximizing Your Growth with Grants" at the Oak Bay Beach Hotel last night was truly impressive.

10/02/2025

Last Call! Our Securing Your Legacy seminar is happening THIS Saturday October 4th!

If you’ve ever wondered:
-Do I need to update my will?
-What happens if I don’t have a power of attorney?
-How can I reduce taxes for my family?

If you want to protect your family, reduce taxes, and ensure your estate passes smoothly to your loved ones, this event is for you.

Join Sensible Financial Solutions and guest speaker Charlotte Salomon, K.C. for this free, practical seminar designed to give you peace of mind.

📅 Saturday, October 4th
🕙 10:00 – 11:30 AM
📍 Union Club of Victoria

👉 Secure your future legacy now.

🔗 [Reserve Your Seat: Click the link to Register
https://www.sensiblefinancialsolutions.ca/event-details/securing-your-legacy-a-guide-to-smart-estate-planning

09/23/2025

Did you know?
Over 50% of Canadians don’t have a valid will.

Beneficiary mistakes are one of the most common reasons to create a tax problem, reduce the inheritance or it goes to a wrong person.

Without proper planning, your estate could face unnecessary taxes, delays, and disputes.

The good news? With the right estate plan, you can avoid these costly mistakes and protect the people who matter most.
Join us at Securing Your Legacy: A Smart Guide to Estate Planning to learn how.

📅 Saturday, October 4th
🕙 10:00 – 11:30 AM
📍 Union Club of Victoria

Hosted by myself, Milica Ivaz, CFP®, RRC, with guest speaker Charlotte Salomon, K.C.

Seats are filling! Don’t leave your legacy to chance. Register Today.

🔗 https://www.sensiblefinancialsolutions.ca/event-details/securing-your-legacy-a-guide-to-smart-estate-planning

09/18/2025

Interesting topic in Kat Tanckok's latest piece for Money Sense, in which I cooperated by sharing my thoughts and expertise.

In my latest piece for MoneySense, I cover key steps in retirement planning when you don't have kids. Thanks to Jaclyn Law for the assignment and to Milica Ivaz BA,CFP, RRC and Kara Day, CFP®, CLU®, EPC™ for sharing their expertise! https://lnkd.in/gG42NzEZ

09/10/2025

Thrilled to invite you to our upcoming seminar: ✨ Securing Your Legacy: A Smart Guide to Estate Planning ✨

Estate planning isn’t just about documents — it’s about protecting your family, reducing stress, and ensuring your wishes are carried out with care.

Join myself Milica Ivaz BA,CFP, RRC of Sensible Financial Solutions with guest speaker Charlotte Salomon KC (Infinity Law) for a free in-person seminar where we’ll cover:

✔ Wills, powers of attorney & representation agreements
✔ How to avoid common beneficiary mistakes
✔ Tax-efficient strategies to pass on wealth
✔ Real-life examples and practical tips

📅 Saturday, October 4th | 10:00 – 11:30 AM
📍Union Club Of BC Union Club of BC

Seats are limited for this FREE Event! Secure your spot today.

Click the link below to register!

An informative session on Estate Planning Strategies featuring Charlotte Salomon estate planning lawyer as a keynote speaker, designed to help you protect your assets, support your loved ones, and gain peace of mind for the future.

07/28/2025

🌞 It's time for a relaxed mid-year check-in! Check out our latest blog post for your 2025 Summer Financial Checklist. A few simple steps can set you up for a successful summer while you enjoy the sunshine. Don't miss it! Read more here: https://wix.to/D5WY38F
https://wix.to/jv7TEJ6

A relaxed mid-year check-in Summer’s finally here—and with it, a welcome change of pace. Whether you’re sitting lakeside, catching ocean breezes, or just enjoying longer evenings and slower mornings, it’s a great time to step back and take stock—not just of your schedule, but of your finan...