Simplify your finances with expert planning services
What wealth planning with BCU means
What is it for?
How it works?
Get to know our wealth planning services
Services that fit
your goals and values
Financial planning
- Tailored to your financial priorities
- For short- and long-term goals
- Budgeting and cash flow analysis
- Adjusts to life changes
Retirement planning
- Plan for your retirement lifestyle
- Secure steady retirement income
- Optimize savings and pension
- Account for inflation
Education planning
- Fund education expenses
- Create RESP or savings plans
- Maximize grants and benefits
- Cover rising tuition costs
Tax minimization planning
- Reduce taxes on investments
- Maximize credits and deductions
- Plan withdrawals to lower tax impacts
- Ensure compliance with tax laws
Estate planning
- Preserve and manage your assets
- Plan future asset distribution
- Protect wealth for generations
- Reduce taxes on inheritance
Make your money work for you
Simple steps,
to confident future
Setting your goals
Your advisor will learn about your financial history, assess your current situation, and identify your investment goals.
Building the plan
Together, you’ll refine your investment strategy, complete necessary documentation, and put your personalized financial plan into action.
Delivering your plan
Your advisor will present a tailored investment plan, answer your questions, and begin implementing the agreed strategy.
Tracking your progress
Regular check-ins ensure your plan stays on track, with updates and adjustments based on your evolving needs and market changes.
Questions?
We’ve got answers!
Contact us and book a free consultation with one of our BCU Wealth Advisors. No pressure, just a conversation about your financial goals. We’ll match you with the right advisor based on your needs. From there, we’ll build a personalized plan together.
Your investment plan is reviewed at least once a year, but we’ll check in more often if there are major market changes or life events. You’re always welcome to request a review anytime. It’s all about keeping your plan aligned with your goals.
Fees and commissions depend on the types of investments and services you choose. We’ll explain everything up front – no surprises, no fine print. Transparency is part of how we earn your trust.
We use industry-leading encryption, secure servers, and strict access controls to protect your financial information. Our systems are regularly monitored and updated to stay ahead of security threats. Your privacy and security are top priorities – we don’t cut corners.
Transferring your investments is easy – just provide us with your most recent statement and we will do the rest. We will work with your current institution to move your assets with minimal disruption. You’ll stay informed every step of the way.
Yes, you can include international investments as part of a diversified portfolio. Your advisor will help you explore global opportunities that align with your goals and risk tolerance. We’ll make sure your strategy has the right balance.
Yes, we offer tailored wealth solutions for businesses, including investment strategies, retirement plans, and cash management. Whether you’re a small business or a growing enterprise, we can help support your financial goals. Let’s build a plan that works for your business now – and in the future.
We offer registered and non-registered accounts such as Cash accounts, TFSAs, RRSPs, RESPs, RDSPs, FHSAs, etc.
All our advisors have a rich and diverse background. You can learn more about each of them on our Advisor page.
Yes, Raymond James Ltd.’s Client Access website is the portal to your investment accounts. You can also come back to our website any time, navigate to the top right corner and click the button Client Access.
Your Wealth Advisor can advise you if any changes need to be made. Market fluctuations are inevitable, we can help you ride the wave and stay the course.
While taxes can reduce your returns through capital gains taxes, interest income, and dividends, using tax-efficient accounts like TFSAs and RRSPs, and strategies like tax-loss harvesting or asset location, can help minimize the impact and keep more of your money working for you.
Absolutely! We can help guide you during your employment years to set your retirement goals and also how to use tax strategies to get the most out of your finances.