OCU Wealth Management Services

OCU Wealth Management is supported by a full range of products and services.

  • TFSA Tax Free Savings Account
  • RRSP Registered Retirement Savings Plan
  • RESP Registered Education Savings Plan
  • Term Deposit
  • GIC Guaranteed Investment Certificate
  • Mutual Funds
  • Segregated Funds

Determine your goals, needs and priorities – what’s important to you?

The first step of the approach is to understand your financial goals, needs and priorities. Each person’s story is different and we need to hear yours. This will help determine whether we can provide what you are looking for and whether we can meet your expectations. This is an important part of ensuring a long-term relationship.

Analyze your current situation with respect to your goals, needs and priorities

We will then gather all quantitative and qualitative information related to your current situation. In other words, we are going to ask a lot of questions. At times, it may seem the questions are not directly related to the matter at hand. Often, there are connections and consequences of one financial decision on another. It is important we have a complete understanding of your specific, personal financial situation before we make any recommendations.

Implement your personalized strategies

Through thoughtful conversation we will discuss and mutually agree on implementation action, responsibilities, and time frames. We will then act to implement the approved recommendations.

Invest well, with your unique lifestyle needs in mind

  • Allow you to focus on enjoying life day by day.
  • Keep you on track.
  • Identify your savings shortfalls.
  • Develop and monitors a strategy for debt reduction.
  • Provide reminders about key planning data.
  • Check with you before the end of the year to identify any last minute financial needs.
  • Show you how to access your statements and other information online.

Build a retirement plan, tailored to you

  • Guide you ‘to and through’ retirement.
  • Review and makes recommendations in your personal retirement plans.
  • Review your existing RRSP and RRIF’s.
  • Convert your investments to lifetime income.
  • Suggest alternatives to increase your income during retirement.
  • Guide you on ways to fund health care in retirement.

Monitor your plan

We will agree on a timeframe for monitoring and evaluating each of the financial strategies based on your goals, needs and priorities. We will review and assess your progress, update your current situation, and clarify your goals and priorities to determine and discuss any necessary revisions to your plan.

Create peace of mind, knowing your loved ones are protected

  • Provide security and comfort to you & your family
  • Assist you in setting up a company retirement plan.
  • Take care of those who depend on you.
  • Monitor changes in your life and family situation.
  • Review your children’s RESP’s.

Create an estate plan that reflects your values

  • Help you leave a legacy for the people and causes you care most about.
  • Assist in preparing an estate plan for you.
  • Refer you to OCU for loan and trust alternatives.
  • Facilitates the transfer of investments from individual names to trust, or from and owner through to beneficiaries.
  • Work collaboratively with your legal advisors to help you meet you financial goals (or introduce to a trusted professional if you need one).
  • Help with the continuity of your family’s financial plan through generations.

Protect your business or plan your succession strategy

  • Help you keep more of your money.
  • Review your tax returns with an eye to possible savings in the future.
  • Stay up to date on tax law changes.
  • Help you reduce your taxes and benefit from a TFSA.
  • Reposition investments to take full advantage of lax law provisions.
  • Suggest alternatives to lower your taxes during retirement.
  • Work collaboratively with your tax advisors to help you meet you financial goals (introduce you to a trusted professional if you need one).

More than investments, we offer financial solutions for you!

Let us help you balance your needs and dreams.

 

Contact us today to set up a meeting

250.495.6987 • wealth@ocuwms.com

8312 Main Street • Osoyoos, BC

 

Mutual funds and securities related financial planning services are offered through Qtrade Asset Management Inc., Member MFDA.

 

Qtrade Asset ManagementOCU Wealth Management Services