Skip to main content

Investing for Business

You never miss an opportunity to grow your business. Neither do we. 

We look at your business as a whole, and that gives us an edge when it comes to recommending options and providing solutions. We offer options from retirement planning to short-term, flexible investments that put your business income to work for you.

Become a New Neighbour

You pour time and money into your passion to create a viable business, but if it depends on your ability to actively generate income, your absence can have a significant impact. Only planning ahead can mitigate the risks.

Future Proof Your Business with Succession and Estate Planning

When you run your own business, it's hard to ever think of a time when you might pass the baton to someone else. But planning for succession and unexpected events is essential for the smooth running of your business. To ensure your wishes are fulfilled, keeping an organized, well-maintained estate and up-to-date will is of utmost importance.


Corporate tax regulations are a jungle. Understanding the various federal and provincial taxes that apply to you and your business is crucial to get the most out of your investments. Don't get bogged down in the details. At YNCU, we’re highly adept at navigating pitfalls and getting you where you need to go.

Tax Smart Investments and Withdrawals

You obviously want to get the most out of your savings. We want that too. That's why we’ve built an array of Tax-Free Savings accounts to make it happen. We’re talking modern solutions, with no taxes on interest or investment earnings, and withdrawals that don’t affect your federal income-tested benefits and credits. We’re talking investment plans that range from deposit-type savings accounts, mutual funds, and self-directed plans. We’re talking plans that work for you.

One Good Turn Deserves Another 

Canada has a global reputation for niceness and a generous tax credit system for charitable donations. These two things make us proud to be a Canadian company, and will also benefit you. The Charitable Donations Tax Credit can be up to 29% at the federal level, and 24% on the provincial level, depending on your province. Once you’ve done your good turn by making a donation to our shared community, let us do ours by helping you get the most out of your return.


Your employees are like your family, and they’re integral to your business success. Take care of your talent and stay competitive by offering benefits that work.

Group Registered Retirement Savings Plan (RRSP)

Prepare for the future with your employees in mind and avoid the large legal and financial commitments of traditional pension plans.

Group Health Benefits

Protect your employees, and keep them happy and healthy while you all benefit from pooled resources, group discounts, and even tax deductions. You’ll have a dedicated plan administrator, making it even easier to implement benefits quickly.


Step 1

Discovery & Analysis

Start with one of our dedicated wealth advisors. At YNCU, we believe in building long-relationships with our members so we get to know not just your investments, but the things that matter to you: your family, hobbies, career, and life goals. 


Step 2

Create Goals

Once we've got the full picture, we can work together to start establishing goals which reflect you and your unique finanical concerns and objectives. 


Step 3

Flexible Client-Centred Solutions

We may not be richer than you think, but we do have a wealth of experience in creating successful plans to achieve our members' objectives. We'll put that experience to work for you, offering advice and laying out your custom roadmap to the future. We'll also get you set up with our full suite of small business tools and support, including online banking and a self-driven online investment platform, Qtrade Direct Investing™.


Step 4

Monitor, Report, Optimize

Once we've set you on your path, we'll make sure you get where you need to go with ongoing monitoring, assessments, and optimizations. You're busy running your empire, so we'll skip the jargon and bureaucratic process to report back clearly and regularly, so you can focus on your business, and know we're keeping an eye on the finances.



Operating internationally can open up exciting opportunities in new markets. However, you’ll need to be mindful of foreign exchange implications and international regulations.




Maintain a competitive advantage in your industry by analyzing your competitors’ strengths and weaknesses, and continually plan how you’ll stay one step ahead.


Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. Unless otherwise stated, mutual fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.

Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade and Qtrade Direct Investing are trade names and/or trademarks of Aviso Wealth. Qtrade Guided Portfolios is a trade name of Credential Qtrade Securities Inc.