Investing & Financial Planning
Making a Plan for a Bright Future
Saving is about more than just retirement. It’s about knowing your goals, and reaching for your dreams - whatever those may be. We believe that sound financial planning requires an honest conversation and open relationship. Our teams are here to help you build a comprehensive and flexible plan that helps you reach your goals today and your dreams for tomorrow.
With a diverse and comprehensive array of investing options, we’ll provide you with the support you need to make investment decisions with confidence. Whether you’re investing for retirement or for other financial goals, it's important to know what kind of investor you are. Book an appointment today to explore your tolerance for risk, your timeline and the level of involvement that you want in your investment decisions.
We proudly offer options for socially responsible investments which offering competitive returns while making a positive impact on people, companies and the environment, including Meritas SRI Funds and OceanRock Mutual Funds.
Hear from an Investment Services Member.
Investing & Financial Planning Products
Increase your shares and earn a reliable dividend. Investing in your credit union diversifies your investment portfolio while supporting your community.
When you’re looking for the possibility of a greater return on your investments, explore our mutual funds offered through our partners at Qtrade.
We’ve partnered with Qtrade Investor to provide you with online investing from one of Canada’s best online brokers.
Digital advice from VirtualWealth™
Digital advice, or robo-advice, from VirtualWealth is a simple and convenient online investing service that provides you with a professionally managed, low-cost portfolio to match your personal financial goals.
Retirement Savings Plan (RSPs)
Explore how RSPs can fit into your savings future and save on taxes. See if consolidating debt can help free up funds to save more, or explore the opportunities an RRSP Loan or Line of Credit can offer. Have our experienced teams help you ensure that opportunities for tax savings aren’t missed!
Tax-Free Savings Accounts (TFSA)
Earn investment income tax-free through this registered account. Unlike an RSP or RESP, a TFSA can help you save for any purpose. Regardless of your age, there are no restrictions on the way the funds in the account are used. And you'll never be taxed on your investment income, even when withdrawn. Compare the differences between RSPs and TFSAs to find the right balance for you.
Education Savings Plans (RESPs)
Save for your child’s education and receive government contributions with this registered account. The income earned within the plan is not taxed until it's withdrawn.
Term Deposits (GICs)
Invest with the certainty of a fixed interest rate and returns. Choose a timeframe, deposit your money, and get a known outcome with a Term Deposit. And get a rock solid 100% Deposit & Interest Guarantee* on all of your invested capital and investment income, without limit.
Sail smoothly through retirement with the proper planning and preparation. Assess your needs and design a plan to protect your wealth, maximize its distribution and minimize taxes with an estate plan that helps your loved ones when you’re gone.
Retirement Income Fund (RIF)
Know your options when it comes to planning your retirement income, and how you can continue growing your RSP, tax free after the age of 71 by transferring your RSPs into RIFs.
Registered Disability Savings Plans (RDSPs)
Contribute to a savings plan to secure long term financial security of someone who is eligible for the Disability Tax Credit.
Coming in for an appointment?
Make the most of our time together by ensuring that you have everything you need. You’ll want to bring:
- Government issued Photo ID
- Personal information including: Social Insurance Number(s), Occupation and Employer, Birthdate, full Civic or Legal/Land Address and Mailing Address if applicable and Phone Number
- Detailed list of Assets (what you own) and Liabilities (what you owe) and Supporting Documents
- Income Verification and Employment information: Letter(s) of Employment or 2 Recent Paystubs or 2 most recent Tax Years of CRA Notice of Assessment
- For Self-Employed individuals: 2 most recent Tax Years of CRA Notice of Assessment and 2 years Business Financials
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The Legal Stuff:
*Terms and conditions apply. All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation, excluding common shares, investment shares, and mutual funds. All rates and products are subject to change without notice.
Online brokerage services are offered through Qtrade Investor, a division of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. VirtualWealth is part of Qtrade Financial Group, the team behind Qtrade Investor, one of Canada's top-ranked online brokerages (according to The Globe and Mail, MoneySense and Surviscor), and the asset manager OceanRock Investments Inc., which has been recognized for fund performance and management quality with awards from Morningstar and Fundata Canada. That technology and investing expertise goes into making VirtualWealth a user-friendly, secure and stable service that you can rely on.VirtualWealth is a trade name of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. First Calgary Financial Investment Services offers life insurance through First Calgary Financial Investment Services Limited an insurance agency licensed with the Alberta Insurance Council. Securities and securities related financial planning services are offered through Qtrade Advisor, a division of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. Mutual Funds and securities related financial planning services are also offered through Qtrade Asset Management Inc., Member MFDA. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you, and reach out to our teams to help determine if the product is appropriate for you.