The Turtleford Credit Union is committed to providing our members with investment options and financial planning suited to their individual needs. Through our partnership with Wealth Services from Innovation Credit Union, we can offer you professional money management through Credential Asset Management Inc.*

Our Wealth Specialist, Ali Schmidt focuses on the six pillars of financial planning:

1. Cash Flow – having enough to cover the basics, and emergency needs - medical, home, vehicle, plus opportunity purchases, and travel opportunities.

2. Tax Planning – tax efficient investing, income splitting, maximizing income, minimizing taxes.

3. Investment Planning - determining goals, assessing time horizon, portfolio construction, risk analysis, and asset allocation across geographic and market sectors.

4. Retirement Planning – RRSPs, RRIFs, LIFs, LIRAs, TFSAs, DPPs, etc. – exploring the plans; Pension plans: defined benefit vs. defined contribution – explaining the differences.

5. Risk Management – life insurance, disability insurance, critical illness insurance, long term care insurance.

6. Estate Planning - Business and farm succession planning, reviewing wills, introducing trusts.

Consider discussing a financial plan with Ali, contact the office at (306) 845-2105 and we gladly schedule an appointment for you.

Below is a suggested checklist to bring on your first appointment:

• Last 2 years tax returns (plus last 2 years corresponding notice of assessments).
Please remember to bring both personal and business if incorporated.
• Copies of all investments
• Copies of pension statements
• Any personal insurance eg. Life, disability, critical illness, health plans
• Any group benefit information
• Copies of their wills (if they have one)

Everyone, regardless of age, employment or accumulated weath, can benefit from having a financial plan in place.

Consider booking yours today!

®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.