Kristen Hilstob, B.Sc.

Financial Security Advisor
Investment Representative

I started in the financial world in 2008 while completing my Bachelor of Science degree at UBC. I spent the first 6 years at TD Bank as a Financial Services Representative and then moved to Freedom 55 Financial as a Financial Security Advisor. I use a client-centered approach with; individuals, families, professionals and business owners to create tailored financial plans to meet and exceed their financial goals now and well into the future.

My whole heart is in this industry and it's my passion to help individuals and families secure the right insurance plans and perfect investment strategies.

Anyone can get sick: Sandra's story - Canada Life

A critical illness can happen to you even if you have a healthy and active lifestyle. Critical illness insurance helped Warren take care of his daughter and wife, Sandra, to lessen the emotional and financial strain of Sandra’s illness.

 


View the video transcript

 

Description: Emotional music begins to play. Man begins to speak.

Warren: My first reaction when I heard Sandra had cancer was denial.

Description: A happy, family portrait of a woman, man and infant daughter appears.

Description: The video turns to the man in a room. A white box appears at the same time with red text that reads, Warren, Sandra’s husband.

Warren: I think before we even heard the word cancer, I was just denying the fact that it was very much a possibility that it can happen to anybody.

Description: A photo of a woman and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, yesterday, a healthy lifestyle.

Description: The scene cuts to a woman speaking in a room. A white box appears at the same time with red text that reads, Sandra, 30, Lymphoma cancer patient.

Sandra: We had a pretty active lifestyle before I got sick. We have a Dragon Boat team with our family. We have a home gym. We like to get out with our daughter.

Description: A picture of Sandra, Warren and their infant daughter appears. Their daughter is in a chest carrier worn by Warren. The family is smiling.

Sandra: She has dance classes.

Description: A picture of Sandra, Warren and their infant daughter appears. They are all bundled in winter attire, smiling for the camera.

Sandra: She's a very busy, energetic little girl that needs to be kept busy.

Description: Then video then cuts to a photo of Sandra and Warren who are wearing numbers on their chest for a marathon. They are both smiling for the camera.

Warren: We were active, we were healthy. We always bought our fresh fruits, veggies, every couple of days.

Description: The video returns to Sandra and Warren sitting beside each other in the room.

Warren: Every couple of days, we had, our meals, we had lots of balance between our meats, our fruits and our vegetables.

Description: The video cuts to Warren.

Warren: That's just was we enjoyed. We don't drink much, we don't smoke.

Description: The video returns to Sandra and Warren.

Warren: We're out every day, we have a dog, so I take her for a run in the mornings and Sandra would take her with a walk for our daughter in the afternoons.

Description: The video returns to Warren.

Warren: I guess just average people, but active and healthy, and we prided ourselves on being healthy and taking care of ourselves to live a long and healthy life. It's just you don't get to decide how your life goes sometimes.

Description: A photo of Sandra and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, the diagnosis.

Description: The video returns to Sandra and Warren.

Warren: What happened was really just out of the blue.

Description: The video cuts to Sandra.

Sandra: There's no history in my family of the type of cancer I have. That's one of the top three reasons you get Lymphoma, but there isn't any in my family. There's no history of it.

Description: The video returns to Sandra and Warren.

Sandra: I was going just for a check-up, get my teeth cleaned, I hadn't been in a while, and wasn't expecting to be where we are now.

Description: The video cuts to Warren.

Warren: I just kept telling myself, "The results will come back in and it will be nothing. We'll get this removed. She'll have her nice visit to the dentist she's been waiting for.

Description: The video returns to Sandra and Warren.

Warren: And we'll move forward and there will be lots of time, that we can play with our daughter and just have a normal summer that way."

Description: A photo of Sandra and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, the beginning treatment, a lifestyle change.

Description: The video cuts to Warren.

Warren: The first day or so was...It kind of felt like a bomb had gone off in our lives. It was like a ringing in my ears and you're trying to absorb everything all at once, and there's so many emotions.

Description: The video returns to Sandra and Warren.

Warren: You kind of have to buckle down and say,

Description: The video cuts to a photo of Sandra and Warren who are smiling. They are both bald.

Warren: "No, this was... it doesn't really matter how I feel right now. We got to take care of Sandra."

Description: A photo of Sandra and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, the beginning treatment, today and tomorrow.

Description: The video returns to Sandra and Warren.

Warren: You go through life and people hear the word insurance, and I think sometimes there's a negative stigma attached to that, but this really was something that helped us take care of us, take care of our family, and provide, as a husband, as I said to provide for my wife and my daughter, and it was just such a good thing. Such a good thing. The service we received, it was unbelievable how great everybody was.

Description: Sandra and Warren are featured walking in a busy downtown area, walking together, holding hands and smiling.

Description: The screen goes white. Red text appears that says, talk to your advisor today. Canada Life logo appears.

Ask an advisor: What is inflation?

Learn about inflation and how it impacts your financial plan.

 

 


View video script

 

Description: This animated video introduces a character named Sarah and her advisor with illustrated graphics to explain inflation.

Text: Ask an advisor: What is inflation?

Description: An illustration of a bar graph with an upwards arrow draws into the frame.

Sarah: I’ve been hearing a lot about inflation. Should I be worried?

Description: Sarah sits in the advisor’s office. The advisor nods his head and smiles. His laptop sits on the desk between them.

Advisor: One of the best reasons to have a financial plan is to help you manage inflation.

Description: Cut to a medium shot of the advisor gesturing with his hands.

Advisor: Inflation is the gradual rise in the prices for all the goods and services you buy,

Description: A stack of coins is shown. Two coins roll into the frame and are added to the stack.

Advisor: including groceries, transportation and maybe your spring break vacation.

Description: Illustrations appear: a paper bag of food for groceries, a gas pump for transportation and an airplane for vacation.

Advisor: While we hope prices won’t go up, some inflation is the sign of a growing, thriving economy.

Description: A coin from the stack starts to roll along a line. The coin continues to roll as the line grows to a peak and then dips downward. Text “1-3% per year” appears onscreen.

Advisor: That’s because it encourages consumers to spend money now, rather than later when the price could be higher.

Description: More coins fall into the frame.

Advisor: But inflation can be a problem if your pay cheque can’t keep up.

Description: The camera pans downward to large text that compares a “1% raise” to “3% inflation.” A hand holding a pay cheque moves into the frame.

Advisor: Over time, you may not be able to afford to purchase as much as you previously did, lowering your standard of living.

Description: The illustrations of groceries, transportation and vacation return. Dollar signs flow outwards from each.

Advisor: This is especially important in retirement when your income may be more fixed and not able to grow with inflation.

Description: A graph appears. A straight dotted line labelled “Fixed income” draws into the frame. A second line draws in an upward motion, showing rising inflation.

Sarah: Oh, that makes sense!

Description: The camera zooms out of the graph to reveal the advisor’s laptop and Sarah in his office.

Advisor: Let’s talk about how you can create a financial plan with inflation in mind.

Description: The advisor gestures towards his screen, Sarah smiles.

Text “Let’s talk. Contact me today.” appears onscreen with the Canada Life logo and legal line: “Video produced by Canada Life. canadalife.com 1-204-946-1190.”

Start saving early – Canada Life

Starting early is a great way to reach your long-term investment goals with the help of compound interest.

 


View the video transcript

 

Narrator: Want to achieve your financial goals faster?

Description: A trowel scoops a seed into a pile of dirt. The frame splits in half. The left side shows saving $500/month at age 25. The right side is later, $1000/month at age 45.

Narrator: Then why not start saving money today.

Description: A watering can is lifted and waters the seed. The trowel covers the seed.

Narrator: Because, the sooner you start putting it away.

Description: A calendar enters the frame, with the same amount invested on the first day of each month.

Narrator: The sooner your money can grow.

Description: The split frame with the two seeds returns. On the left side a tree starts to grow as the age increases from 25 to 45. A legal line appears: “$500 invested on the first day of every month over 40 years. 6% annual rate of return, compounded monthly. Segregated fund and/or mutual fund fees will lower your rate of return.”

Narrator: thanks to earnings that can compound over time.

Description: A tree also starts to grow on the right side at age 45. Both sides finish growing at age 65. A legal line appears: “$1000 invested on the first day of every month over 20 years. 6% annual rate of return, compounded monthly. Segregated fund and/or mutual fund fees will lower your rate of return.”

Narrator: Before you know it, you’ll be closer to achieving your goals, than if you’d waited.

Description: The tree on the left side is bountiful, saving $1,000,724. The tree on the right is much smaller, saving $464,351.

Narrator: Save early, save often.

Description: The tree on the right moves out of frame. Text “Save early, save often” appears.

Narrator: Learn more at canadalife.com.

Description: Frame fades to reveal “Learn more at canadalife.com” with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.

Contact

Contact me today to learn more

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