Everyone benefits from a little planning and advice

Are you ready to start crushing some life goals?

Financial Planning is your Roadmap to Success

If ever there was a year to give yourself some grace about not being where you want to be with your financial goals, 2020 was the year.  Everyone is operating under extraordinary circumstances right now. Even if you still have a stable income, you might be dealing with stress, anxiety and possibly illness and grief. It’s okay not to be where you'd like to be.

But many of us have a new perspective and are beginning 2021 with positivity and optimism.  Many of us are reevaluating what we want out of life. If you're like so many others, now is the perfect time to revisit (or begin) a financial plan.

A financial plan is truly the best way to give yourself the means and resources to live the life you want. If you're ready to start crushing some life goals, we're ready to help.

Where am I now? Expand/Collapse

A financial plan begins with information about your current financial situation:

What you own (your assets)

  • Include big items like your home, car, recreation vehicles, savings and investments.
  • Look at documents like bank and investment statements, retirement savings, other pension papers, etc.

What you owe (your debts or liabilities)

  • Include student loans, mortgages, car loans, consumer loans, credit cards and other loans or bills.
  • Look at mortgage documents, loan papers and credit card bills.

What you make (your income)

  • Include your pay and other income.
  • Look at tax returns, pay stubs and investment statements.
  • Use your income before taxes and other deductions. Some deductions like union dues or charitable donations are expenses, while others like pension contributions become assets.

What you spend (your expenses)

  • Include basics like food, shelter, clothing, utilities and car costs, as well as other expenses like eating out, insurance, health or dental bills, and money you donate.
  • Start with your bills and receipts. For an accurate summary, use your bills and receipts together with a record of your spending to prepare a monthly budget.

To fully review your current situation, you will also need information on wills, powers of attorney, income taxes and insurance policies.

Where do I want to go? Expand/Collapse

Start with your dreams. What do you want to be known for? What do you want to accomplish? How do you want the world to be a better place because you lived in it? What do you want to feel and experience?  What is important to you? What would make you feel like it was all worth it?  

The best way to move forward is to have the future you want to create in mind.  Beginning with the end in mind turns investing from something boring that you should do into something exciting that’s helping you create the life you want.
Let’s look at your goals and dreams. And while we’re at it, let's talk about your worries and what keeps you up at night. Let’s define the life you want to live, as well as the means and resources required to achieve it.

P.S. A vision board is an awesome tool to get you started in defining your dreams and goals.  A vision board invites you to reflect on life and what you want to accomplish. Vision boards are not only a good place to start, but when you post it somewhere that you see every day, they can be a great source of motivation. Download yours today!

How do I get from here to there? Expand/Collapse

Comparing where you are to where you want to be can be intimidating and overwhelming – so much so that some of us give up before we even get started.  But when you break your big dreams into bite-sized goals, they become much more manageable.  And when you start to check off some of those goals, and you begin to see the progress you are making towards the life you want to create, you become an unstoppable force.  That’s when you start to believe, “I’ve got this!”

We’d love to help you turn your dreams into goals – you might see us as only a credit union, but we fancy ourselves as dream catchers. There’s nothing we’re better at than turning dreams into goals. Goals into plans. Plans into steps. Steps into action.

We’ll help you find the best way to reach your goals. We’ll create solutions and strategies centered around you. We have the experts and strategies for the simplest to most complex situations. 

Start the car! Expand/Collapse

You know what you want; you know what you need to do to get there – so as Dr. Seuss would say “Kid, you’ll move mountains! Today is your day! Your mountain is waiting. So get on your way!”  Money isn’t required for all life goals, but when it is, we’re here to help.  RRSPs and TFSAs can play an important role in achieving life goals; we’re here to help you find out.  Your first step could be as easy as setting up an automatic investment plan.

Are we there yet? Expand/Collapse

You know what they say about the best-laid plans of mice and men – they often go awry.  Your circumstances can and will change as time goes on, and your financial needs and goals may change too. Planning for your future is undeniably important, but so is being able to recognize when your plan needs to be adjusted. Take stock on your progress regularly and adjust your plans and steps accordingly.

P.S.  Don’t forget to celebrate your successes! When you reflect on what you’ve accomplished, it will inspire you to achieve more!

Creating a better life takes time and effort – but the good news is we’re here to help.  Weyburn Credit Union is a place that cares about your dreams.  A place where dreams are turned into goals.  Goals into plans. Plans into steps. Steps into action.

Crush your goals with RRSPs and TFSAs!

The first step is a little planning and advice to determine what's the best way to achieve your goals.  Depending on your goals and financial situation, RRSPs and TFSAs often play a big role in achieving financial wellness.   Here's everything you need to know about RRSPs and TFSAs!

Your Guide to RRSPs

Here's a guide with everything you wanted to know about RRSPs (and likely more!) Check out these smart moves for your RRSP

Your Guide to TSFAs

Want to learn the ins and outs of TFSAs? Here's the guide you're looking for!

Is an RRSP or TFSA right for you?

A little planning and advice are the best ways to find out whether RRSPs or TFSAs are right for you. Here are some guidelines in the meantime. Whether you choose RRSP or TFSA, investing automatically is the way to go!

Crush your goals your way

Whether you prefer the investing be done for you, you want to do it yourself or you like to invest with a little help and guidance, we have you covered.

ROBO-Advice is here!

Yes, that means you can invest with an app in minutes! Virtual Wealth is a seamless digital investing platform. This  simple online investing service makes it unbelievably easy to save for your goals. Learn more.

Invest with Canada's #1 Online Brokerage

Perfect for the DIY Investor. You'll love Qtrade Investor's easy-to-use online and mobile trading platforms, low commissions and independent research tools. And when you need help, count on outstanding client support. Learn more.

Investing with the human connection.

It's reassuring to sit down and have a conversation about your goals and the best way to achieve them.  Investing can be complex and sometimes, even scary, but not when you have an expert in your corner.  Our team offers planning and advice with your best interests at heart. Meet with us over video, phone or in person. Learn more.

We're here to help

Whether you're ready to start crushing your goals, we're here to help.
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Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. Mutual funds, and related financial planning services are offered through Credential Asset Management Inc. Credential Financial Strategies Inc. offers financial planning, life insurance and investments to members of credit unions and their communities. Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc. Qtrade is a registered mark owned by Aviso Wealth Inc. VirtualWealth is a trade name of Credential Qtrade Securities Inc.

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