Valley First Keeping it Simple INVESTMENT SERVICES A DIVMSION OF FW WEALTH MANAGEMENT LTD DRUMROLL PLEASE Introducing Annette Costin, cFP, PFP Senior Wealth Advisor Annette joins Valley First with a strong reputation for helping clients with both short-term investment decisions and long term financial planning Annette's direct and thorough approach ensure her clients can make the right decisions for their financial future. p: 250-707-2509 e: acostin@valleyfirst.com Otrade Advisor valleyfirst.com Bank. Borrow. Insure. Invest. Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc.