Financial Planning Services

Invest well, with your unique lifestyle needs in mind

How the Planning Process Works

We use the financial planning process recommended by FP Canada, the certification body for CFP’s.  It’s a process of consultation with you the member to determine your priorities and how we might best help you arrange your finances to meet those priorities and critical events.  It’s important for us to know everything about your finances before we suggest anything. We’ll talk about it, and together, we’ll put your personalized plan into action. We’ll agree on what needs to be done, who’s responsible, and when it should happen.

Through our partnership with Interior Savings Wealth Management we are able to provide clients with a wide range of investment and insurance options for individuals and business owners.

Financial Planning

Balance your needs of today with your goals of tomorrow.


Invest well, with your unique lifestyle needs in mind.

Retirement Planning

Build a retirement plan, tailored to you.

Estate Planning

Create an estate plan that reflects your values.

OCU Wealth Management is supported by a full range of products and services and products, including; registered plans, annuities, segregated funds, insurance products, managed portfolios and managed products*.

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.

Ways OCU Wealth can help you:

1. Build a retirement plan, tailored to you
2. Invest well, with your unique lifestyle needs in mind
3. Create peace of mind, knowing your loved ones are protected
4. Create an estate plan that reflects your values
5. Protect your business or plan your succession strategy

At Osoyoos Credit Union, we can assist you with expert advice, taking the time to understand you and what you need for your future.

Retirement Plans

Build a retirement plan, tailored to you. We will agree on a timeframe for monitoring and evaluating each of the financial strategies based on your goals, needs and priorities. We will then 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.

We help by:

  • Guiding you ‘to and through’ retirement.
  • Reviewing and making recommendations in your personal retirement plans.
  • Reviewing your existing RRSP and RRIF’s.
  • Converting your investments to lifetime income.
  • Suggesting alternatives to increase your income during retirement.
  • Guiding you on ways to fund health care in retirement.
  • Monitoring your plan.
Mutual Funds*

There are many types of funds available. Common types are money market funds, income funds and equity funds. There are also balanced funds which hold all three types of investments. The funds are divided into units. Unit values are updated frequently based on the market value of the investments.

Other ways OCU can help
  • Create an estate plan that reflects your values
  • 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).
  • 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.
  • Keep you on track and 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.

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