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Financial Planning

We have refined our process to embrace a more integrated client-centered approach to ensure you receive ongoing value.

Preliminary Meeting

It establishes the framework for the financial plan.  It allows us to explain what we need from you and what you can expect from us!

Identify Goals

This is where we learn what is important to you and your family.  Whether you plan to retire early, buy that dream cabin, or both – we want you to share your vision with us!

Collect and Analyze

We know, we know, this is boring finance stuff!  We might ask a lot of questions but this helps us to create a strategy – your strategy.

Develop Financial Strategy

We understand life is all about balance.  Your financial strategy is a unique road-map developed to enable you to meet your short and long-term goals, while still allowing you to enjoy your current lifestyle. Sometimes sacrifices are required but your financial strategy provides clear direction to guide you.

Implement the Plan

An action plan will be developed which clearly outlines the steps you need to take, making it easy for you to implement your plan.

Review and Adjust

The only constant in life is change, but this doesn’t mean you need to start over.  Your plan is reviewed regularly and adjustments are made to ensure it evolves with you and your family.


Golden Rules of Retirement Planning Expand/Collapse

Your retirement dreams can come true if you have a solid investment plan in place. Follow these four golden rules and put yourself on the path to successful retirement planning.

RULE #1: Create an investment plan

Our Investment Specialists can help you develop an investment plan suited to your unique requirements, your time horizon, and your tolerance for risk. With a plan guiding your investment strategy, you’ll feel comfortable today, and secure about tomorrow even when markets get stormy.

RULE #2: Stick to the plan

Short-term fluctuations in the value of any equity based investments are normal. Your investment plan should be built to withstand those fluctuations. Rebalancing may be required from time to time (our Investment Specialists can help with that), but impulse buying and knee-jerk selling are not part of the plan. 

RULE #3: Invest regularly

Skipping just one annual RRSP contribution of $5,000 could reduce the value of your retirement nest egg by almost $17,000 after 25 years (assuming a 5% average rate of return, compounded annually).

The easiest way to invest regularly is with a Pre-Authorized Contribution (PAC) Plan. You’ll automatically invest a fixed amount of money every month in your chosen investments.

With this graduated approach, there’s no need to guess at the best time to invest. Your money automatically buys more units when prices are lower, and fewer units when prices are higher.

RULE #4: Diversify

Different types of investments react differently to economic events. When you hold a variety of investments in your portfolio, you protect yourself against day-to-day fluctuations in any one category. At the same time, your portfolio has a better chance of benefiting from the current best performing asset class.

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.

Financial planning services are available only from advisors who hold financial planning accreditation from applicable regulatory authorities.