Reaching a point where you have a sound financial plan may seem like a lot of work, but we’re here to help. In partnership with Aviso Financial Inc.,* we’ll guide you through a simple, five-stage approach, resulting in a financial plan that reflects your current needs, future goals, and a roadmap of how you can reach them. This Member Experience Standard is what you can expect from us as your financial planning partner. Advice and Wealth Management are integral parts of our commitment to your financial success.
1. Information Gathering
Identify your goals and needs and discuss which of these take priority.
2. Analyze Your Situation
Thoroughly review any pension plan info, benefits, existing policies, etc., to help determine your current situation vs. future goals.
3. Develop & Present Solutions
Develop strategies with you to help you reach your goals.
4. Implementation
Help you start living out the financial strategies we’ve developed with you.
5. Review, Monitor & Evaluate
We understand your financial situation continues to evolve, and so should your financial plan. A review schedule will help to keep your plan up-to-date.
Tailored Advice and Wealth Management
Whether you are just starting to gain control of your finances or are farther along the wealth management spectrum, our Avanti Investment Services™ team, alongside our trusted partner Aviso Financial Inc., is available in-person or remotely to provide advice and tailored solutions to support you along your unique financial journey. With tiered advice across four categories, financial confidence is a conversation away. Advice and Wealth Management for all stages of your financial journey.
Functional Advice
- Focused advice
- Discovery of member goals, needs and risk
- Focus on product-driven solutions
- Available in-branch
Consultative Advice
- Focused advice
- Discovery of member goals, needs and risk
- Balanced, needs-based approach
- Goal-based financial plan
- Available in-branch
Member-Centric Advice
- Advice on key life goals
- Comprehensive understanding of member goals, needs and risk
- Basic financial plan
- Trusted advisor
- Available in-branch through Avanti Investment Services, in partnership with Aviso Financial Inc.
Comprehensive Advice
- Advice on financial and wealth management needs
- Intimate understanding of member values, goals, aspirations and risk
- Comprehensive financial plan
- Trusted advisor
- Available in-branch through Avanti Investment Services, in partnership with Aviso Financial Inc., or via referral to our premium, Avanti Wealth office
Estate Planning
Life is ever changing; marital status, occupation, the birth or adoption of a child, moving, or the start of a new business. All events will have an impact on your estate plan and require the need for a regular review.
An Estate Plan involves more than just will preparation. A properly created Estate Plan will allow you to influence the future when you are either unable to make a decision or are no longer around to do so. Working with your own personal attorney or through the barrister referral service available at WFCU Credit Union, members have access to a wide range of estate planning options depending on the complexity and need through our Avanti Investment Services team. Advice and Wealth Management are key components to ensuring your estate plan meets your future needs.
Insurance
Having the right insurance coverage is a critical piece of any sound financial plan. Whether you’re in need of coverage for your car, home, or personal loan/line of credit, we will work with our partners to ensure your peace of mind.
Financial Planning Tools
At WFCU Credit Union, we believe that financial well-being starts with effective planning and budgeting. Our Financial Health Check questionnaire is a great starting point to give you a holistic view of your current financial situation, and our Monthly Budget Builder is an interactive worksheet that will support your financial planning work with our team. Whether you want to save for a rainy day, plan for a big purchase, or simply look to improve your financial health, our tools will help you put the wheels in motion. Advice and Wealth Management are integral to achieving your financial goals.
*Mutual funds and related financial planning services are offered through Aviso Wealth, a division of Aviso Financial Inc. Financial planning services are available only from advisors who hold financial planning accreditation from applicable regulatory authorities. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.
