Advice and Wealth Management

Aviso Experts Webinar

RESPs and Education Savings

Planning for your child’s education? Join tax expert Doug Carroll on September 11, for a 60-minute webinar where he’ll simplify the ins and outs of Registered Education Savings Plans (RESPs). Gain valuable insights on contributions, government grants, and more to maximize your child’s education savings. Register today!

Wednesday, September 11
9am PT / 11am CT / 12pm ET

Wednesday, September 11
12pm PT / 2pm CT / 3pm ET

About the presenter

Doug Carroll is the Tax & Estate Specialist for Aviso Wealth Inc., a wealth management partner to credit unions across Canada.
He previously ran an estate planning law practice, and was an advanced case consultant with a life insurer and a mutual fund provider.
Doug also holds a business degree and a Master of Law specializing in Tax, and is qualified as a Certified Financial Planner and a Trust & Estate Practitioner.
He’s been doing this for 25 plus years, now supporting our financial advisors, from written articles to individual case consultations, and of course webcasts as we are doing today.

Aviso Wealth Inc. (‘Aviso’) is a wholly owned subsidiary of Aviso Wealth LP, which in turn is owned 50% by Desjardins Financial Holding Inc. and 50% by a limited partnership owned by the five Provincial Credit Union Centrals and The CUMIS Group Limited. The following entities are subsidiaries of Aviso: Aviso Financial Inc. (including divisions Aviso Wealth, Qtrade Direct Investing, Qtrade Guided Portfolios, Aviso Correspondent Partners), and Northwest & Ethical Investments L.P.

Member Experience Standard

Reaching a point where you have a sound financial plan may seem like a lot of work.

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.

Stage 1

Information Gathering

We identify your goals and needs and discuss which of these take priority.

Stage 2

Analyze Your Situation

We thoroughly review any pension plan info, benefits, existing policies, etc., to help determine your current situation vs. future goals.

Stage 3

Develop & Present Solutions

We develop strategies with you to help you reach your goals.

Stage 4

Implementation

We help you start living out the financial strategies we’ve developed with you.

Stage 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 to Suit Your Needs

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 Aviso Financial Inc., is available in-person or remotely to provide advice and tailored solutions to support you along your unique financial journey. We offer tiered advice in the following categories:

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 through financial planning-accredited staff in branch

Comprehensive advice

Advice on financial and wealth management needs
Intimate understanding of member values, goals, aspirations and risk
Comprehensive financial plan
Trusted advisor
Available through financial planning-accredited staff in branch or via referral to our premium service 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 ECU – A Division of WFCU Credit Union, members have access to a wide range of estate planning options depending on the complexity and need through Avanti Investment Services.

Introducing Our Monthly Budget Builder

At ECU – A Division of WFCU Credit Union, we believe that financial well-being starts with effective budgeting. To help you navigate your path to financial freedom, we’ve created an interactive monthly budget worksheet that we can use as a starting point to guide our financial planning work together. Whether you want to save for a rainy day, plan for a big purchase, or simply look to improve your financial health, our budgeting tool will help put the wheels in motion.

Financial Health Check Questionnaire

Life is an adventure! Are you wondering or worried about your current financial state? The ECU Financial Health Check is a great way to feel confident. Let our team work with you one-on-one to understand and manage your money. It is never too late to get started. We understand that financial health is more than just facts and figures. No matter what your need, goal or life stage, we’re here to help.

Meet Our Team

For more information about our Wealth Management options:

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. 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.