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financial backup for life
We think the answers are clear if you’re serious about growing your net worth and using it to create a better retirement. And there’s even more transparency when you learn that your Advisor team is not paid through commissions.
OPPA Credit Union Advisors through Credential Asset Management Inc. are caring experts who use professional financial planning software to help you create a comprehensive strategy, execute it over the years and track your results. We can cater to your needs and your vision for the future using all the pieces in your financial life. That includes factoring in your OPP pay scales, pension and benefits – it includes advice and consultation whenever a question arises or an opportunity presents itself.
Our online tools and calculators help you track results and work with your advisor when it’s convenient for you. You can create your own scenarios that combine different investments and products – so you can optimize when and how you meet your goals. Factor in education plans, retirement plans, travel and even buying that 4 x 4 sooner that you thought you could.
Fully-detailed reporting on everything from cash flow to estate plans and tax mitigation.
More insightful advice on wealth-building that is intelligently connected to wealth de-cumulation (because you have to start using it sometime).
Insights and planning for pension use and the tools best suited to boosting your retirement savings (TFSAs are great tools for people like OPP Officers with fully-indexed pensions).
Answers and good conversations about the more intricate challenges and what-if scenarios such as: adult kids as dependents, OAS claw-backs, medical costs and assisted living, parental care and costs, tax implications of divorce, tax implications of asset sales, estate shrinkage and more.
Full plans that include Cash Flow Analysis and Wealth Generation Strategies, Investment Asset Allocation, Investment Liquidation Strategies, Tax Plans, Retirement and Estate Plans.
If you’re just starting out, you’ll have the advantage of smarter planning and wealth building for all your working years. That includes smarter tax planning for your entire life (both the building and liquidation stages).
If you’re more than half-way to retirement, you’ll finally feel like you have control of the future. We’ll help you get debt-free, manage cash flow, grow your net worth and make smart, tax-efficient use of it when you retire. It’s never too late to advance your financial well-being and catch up.
If you’re already retired or it’s just around the corner, we’ll help you get your estate in order, set up retirement cash flows and tax plans and help you achieve more peace of mind for what should be your best years.
*Mutual funds and related financial planning services are offered through Credential Asset Management Inc. Financial Planning services are available only from advisors who hold financial planning accreditation from applicable regulatory authorities. 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 insure nor guaranteed, their value change frequently and past performance may not be repeated.
OPPA Credit Union: Barrie Office
123 Ferris Lane, Barrie, Ontario L4M 2Y1
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