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Financial planning and investment advice that starts with you

Get help turning your goals into a clear investment plan. A YNCU financial advisor can help you choose the right mix of registered accounts, investment options, and retirement strategies for your timeline, whether you are starting to invest, planning for retirement, or making decisions with the money you already have.

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What does a financial advisor do?

A financial advisor helps you make clearer decisions about your money. That could mean choosing an RRSP, TFSA, FHSA, RESP, or RRIF, building an investment plan, reviewing your current portfolio, or planning how your savings could support future income. The goal is simple: help you understand your options and choose a next step that fits your life.1

How can a financial advisor help you?

 Financial advisor can help you make clearer decisions about saving, investing, retirement planning, and money you already have set aside. Whether you are starting fresh, reviewing your current investments, or planning for a future goal, we’ll help you understand your options and choose a next step that fits.2

  • I want to start investing

     

    Understand account options, investment choices, risk, and how to begin with more confidence. 

  • I’m planning for retirement

     

    Look at your retirement savings, future income needs, and how your money could support life after work.

  • I want a second opinion

     

    Review your current investments and see whether they still fit your goals, timeline, and comfort with risk. 

  • I have money to invest

     

    Talk through where your money could go, how long you can invest, and what level of risk feels right. 

A plan gives your money direction

Financial planning helps your money feel more organized. Instead of making one decision at a time, your advisor can help connect your savings, investments, accounts, income, debt, and goals into a plan that shows where you are now, what you are working toward, and what may need to change along the way.

  • Understand where you are today

     

    Step 1

    Get a clear look at your savings, investments, accounts, income, debt, and priorities.

  • Create concrete steps to reach your goals

     

    Step 2

    Turn goals like retirement, homeownership, or business planning into steps you can take.

  • Review and pivot when needed

     

    Step 3

    Review what is working, what needs attention, and what your next financial planning step should be.

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Start with a real conversation


You do not need to have everything figured out before you meet with a financial advisor. Bring what is on your mind, from savings and investments to retirement planning, registered accounts, risk comfort, or a second opinion, and we’ll help you sort through the details and leave with a clearer next step.

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¹ Advice and service availability
The information on this page is general and does not constitute a personalized investment recommendation or tax or legal advice. Available services and products depend on the advisor’s qualifications, registration and the provider involved. Individual recommendations, where offered, require a review of your financial circumstances, goals, investment timeline and risk profile. Consult a qualified tax or legal professional about your specific circumstances.

² Investment risk and planning projections
Investing involves risk, including the possible loss of principal. Investment returns and the achievement of financial or retirement goals are not guaranteed. Past performance does not indicate future results. Any projections or illustrations depend on assumptions and are not guarantees of future income, returns or account values. Fees and expenses may apply and affect returns.

Investment services provider
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Product availability and services are subject to the applicable provider’s requirements and account agreements. This provider identification matches YNCU’s published wealth-service disclosure. yncu.com

Mutual funds
Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Read the applicable prospectus and Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Deposit insurance
FSRA deposit insurance applies to eligible deposits held at YNCU, subject to its rules. Mutual funds, stocks, ETFs and bonds are not covered by FSRA deposit insurance, including when held within a registered account.