FINANCIAL PLANNING

​​Get expert financial planning and advice.

No matter your investing experience or stage in life, our
Certified Financial Planner® can help you put together a savings
​and investment strategy that gets you to your goals faster.

CFP® and Certified Financial Planner® are trademarks owned by Financial Planning Standards Board Ltd. (FPSB) and used under license.

Achieving your dreams starts with planning. We can help!

We want to be more than just a financial institution, we want to partner with you to help you achieve your financial goals. That's why, as part of our complete personal financial solution, we provide free consultations, information, and guidance to help you make the most of your money.

FINANCIAL PLANNING

We’re committed to helping you achieve your financial goals with our no cost, no obligation financial planning service  - one of the many benefits of being a member Unity Credit Union.  Our Certified Financial Planner will help you look at the big picture to see where you are financially, what your future needs are, and how to reach your financial goals. 

Financial Planning can help you save for a trip, your dream home, your child’s education, your retirement…. The options are endless.  A financial plan is your roadmap to financial success, and will pin point where your financial weaknesses and strengths are.  Once you have decided on a course of action, a financial plan will help you achieve both greater wealth and financial security.

RETIREMENT PLANNING

Planning for a financially secure retirement is one of the most important challenges facing Canadians.  Many do not belong to pension plans and the future of government plans like OAS and CPP is clouded with uncertainty.  An increase in early retirements, coupled with long life spans, means retirements are lasting longer than they used to.  

"How much money do I need to retire?"  This is a common question.  However, the biggest pitfalls to sound retirement planning are generally starting too late, failing to save sufficient amounts, and improper investment choices.

Consider what your needs will be at retirement and at what age you plan to retire.  How will you get there?  We're here to help!

INVESTMENT PLANNING

An investment plan can provide recommendations to the right mix of income and growth throughout your financial life.  It can be tailored to suit your financial needs and goals based on specific risk tolerances, time frames, tax circumstances, and income requirements.

​An Investment Plan starts with you deciding what your specific goals are.  Whether your goal is to save for retirement, reduce taxes or buy a vacation home, we will work with you to design an investment plan that best meets your personal goals. 

ESTATE PLANNIING

An estate takes a lifetime to create.  Estate planning is the process, which allows the assets in your estate to be distributed to your beneficiaries according to your wishes in a timely, orderly, and tax-efficient manner.  Estate planning is much more than a will.  It provides information and strategies to protect and support beneficiaries, make critical personal decisions , control estate costs, understand and reduce taxes , and fairly distribute assets.

It's difficult to imagine leaving your loved ones behind, but it's worse leaving them without a plan outlining your final wishes.  Our Certified Financial Planner understands the hesitations involved in putting an estate plan into place, and is here to guide you through this vital process to complete a plan.

TAXATION PLANNING

Registered plans such as RRSPs, RRIFs, RESPs, RDSPs and TFSAs are not specific investments, but a vehicle used to hold a variety of investments and shelter them from tax.  We recommend contacting your tax professional to determine what registered plan is right for you; however, we can help go over the options available to you and explain the differences of each plan.  

If you're ready to start investing in a plan, we can help!

EDUCATION PLANNING

Are you a new parent, or have children who will be graduating soon?  Whether your education planning is for years to come, or just around the corner, it is never too late to start.  Your children will need high levels of training and education to secure employment in a world that is becoming increasingly competitive and technology driven.  Obtaining a post-secondary education to meet these demands is also becoming more expensive.  So don’t delay, and begin planning today.

INSURANCE PLANNING through Unity Credit Union*

Our Certified Financial Planner can help to identify what type of protection fits your needs and incorporate this into a comprehensive financial plan for you and your family.

*Mutual funds and related financial planning services are offered through Credential Asset Management Inc.

Book an appointment with Scott Smith, our Certified Financial Planner®, to get started on your personal financial plan.

Financial planning services and appointments are FREE for members.