Your Future

Wise Investments for Your Tomorrow

What are your financial goals and how are you going to make them happen? Retire at 50? Sail around the world at 60? Coming up with the dream is easier than knowing how to get there. From Registered Retirement Savings Plans and Tax-Free Savings Accounts to Mutual Funds and Term Deposits, your Credit Union professional will work with you to provide the most effective solutions to empower you to reach your financial goals.

There’s no better time to review your financial savings plan than right now. By taking advantage of tools like registered retirement savings and talking to your Credit Union professional, you are able to save on your taxes, and make sure your money is working for you.

Regardless of your dreams for the future, or where you are on the road to retirement, we have the tools and the information to put you on the right track.

Just starting out?

The sooner you start saving, the more you will be able to save for your future. Starting an RRSP can be done quickly and easily by talking to your Credit Union professional. You may be wondering:

• Should you manage your own portfolio or seek the advice of a certified financial planner to develop a customized personal financial plan?
• Could a spousal/common law RRSP save you more in taxes?
• What saving and borrowing strategies will get you where you want to go?

With a Credit Union professional you can navigate your options to determine the best strategy for you.

How can you maximize your RRSP contributions?
Credit Unions offer you solutions to get the most out of your retirement savings plan. If you have unused contribution room in your RRSP, an RRSP loan or Line of Credit could enable you to take advantage of the benefits of registered retirement savings when you may not have the cash flow to contribute. Maximizing your contributions allows you to achieve great savings on your taxes and invest that money where it can work best for you.

Is this approach right for you? Credit Union professionals can offer the advice you need to assess your options, keeping in mind your unique situation and work with you to develop solutions tailored to your needs.

Invest and save with a TFSA
A Tax-Free Savings Account (TFSA) is a flexible, registered general-purpose savings vehicle that allows Canadians to earn tax-free investment income to more easily meet short term and lifetime savings needs. The TFSA complements existing registered savings plans but provides different benefits. Contributions to a Tax Free Savings Account are made with after-tax dollars, so that at any time, you can withdraw your money, and any interest earned from the account, tax free. Your Credit Union professional can assist you in finding the right combination of tools to reach your financial goals.

Wealth Management Services*
Through our Credit Union-owned wealth management services, Credit Unions offer an extensive range of account, investment and insurance products customized to support you in reaching your goals. With expertise in investing services, insurance services, trust services and financial planning services, our specialist will answer your questions and offer professional advice.

Start planning for tomorrow, today.

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*Available at participating Credit Unions.