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Get To Your Goals Faster

4 Easy Ways to Plan for Financial Wellness

Get to your dreams faster with a values-based financial plan.


Everyone has a dream — maybe it’s to travel, to start-up a new business, to retire early or perhaps save for post-secondary education. Whatever it is, the secret to making that dream a reality is to find ways to make your money work harder.  First Calgary Financial believes that starts with a values-based financial plan.


The numbers are clear: 71% of people engaged in financial planning feel closer to achieving their goals*. But what is financial wellness? How do we get there?


Many can relate to following a diet or fitness regime and a financial wellness regime needs the same sort of care, attention and externally provided advice. And just like a health regime, the best place to start is with personal goals.


Values-based financial planning is an approach that aligns your personal values with your goals, and explores a range of options to help you achieve them. It looks at your entire financial picture, before ever offering you a product.


“Everyone’s financial situation is different, and every Calgarian deserves a financial plan that they can trust. At First Calgary Financial, we’re advocating that sound financial advice and a comprehensive values-based financial plan needs to be available to everyone, regardless of their net-worth”, says Hyder Hassan, Director of Investment Services and head of wealth, CFP PFP EPC, at First Calgary Financial.


“As a credit union, we put our members’ needs first. We have a mission to make money make a difference in the lives of Calgarians, and this is just one way that we aim to deliver on that,” says Hassan. “Planning for the future is a sacred process. We’re bringing innovation to our industry by taking a planning-first, investments-second approach to helping people achieve their dreams. What matters most is that you start planning and saving early. It matters more than the income that you have to work with today.”


Here are 4 ways to start planning today:


Consider your goals


Ask yourself how much money you need to have in accessible savings, in a TFSA, or in an RRSP. Calculate what you need for day-to-day living to cover your debts and to enjoy life.  


Assess your financial wellness


Seek out a sound financial planning partner to help you. Look for a top-ranked brokerage with a track record for offering best-in-class planning. Look for a partner that builds relationships and thinks about your full financial picture, without product dumping on you.  At First Calgary, we work with Qtrade** to ensure our members are confident in their choices, and identify their goals prior to building an investment portfolio and evaluating risk levels.


Think about how hands on you want to be with your portfolio


For example, do you want technology-enabled access to your investments 24 hours a day, 365 days a year? If so, you’ll want to look for a partner with expertise in this area. For instance, our partners at Qtrade** offer VirtualWealth - online, expert management advice with low-fees and individualized choice in both portfolios and risk levels.


Consider your options for investing responsibly


Responsible Investments (RI) offer competitive returns AND make a positive impact on people, companies and the environment. RI looks at and assesses a companies’ environmental, social and governance practices, such as greenhouse gas emissions, supply-chain management and workplace diversity. In Canada, more than $1 trillion is managed using one or more RI strategies, according to the Responsible Investment Association.


Get a free Values-Based Personal Investment Plan today. 


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*Source: Value of Financial Planning: Financial Planning Standards Council.

**Securities and securities related financial planning services are offered through Qtrade Advisor. Online brokerage services are offered through Qtrade Investor. Qtrade Advisor and Qtrade Investor are divisions of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. Mutual Funds and securities related financial planning services are also offered through Qtraed Asset Management Inc., Member MFDA.


VirtualWealth is a trade name of Credential Qtrade Securities Inc.  VirtualWealth is powered by Aviso Wealth, a national financial services company that oversees more than $55 billion in assets under administration and management.  Aviso includes Qtrade Investor, Canada's top-ranked online brokerage, and NEI Investments, Canada's leading manager of Responsible Investments.  Aviso is owned by the provincial credit union Centrals, CUMIS and Desjardins.