Tailored planning with a financial advisor - Vancity

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I don't think I have enough to invest.

I’m working on improving my financial situation in general.

I already invest for my goals.

Like buying a car or saving for my kids or retirement.

I try to maintain a monthly budget.

And I’m doing ok. I don’t have a “plan”, it’s more like a process.

I don’t have any particular goals.

I’m not struggling with anything dire, just doing my best.

“I don’t think I have enough to invest.”

Yup, you could benefit from getting advice from our advisors! A plan isn’t just for investments, though you might discover you have more than you think. A plan can help evaluate different strategies to manage debt, savings and expenses. We’ll also identify specific action items to bring you closer to living the life you want and growing your wealth.

“I already invest for my goals.”

A planning session could help uncover and compare options you didn’t think of. For example, we had someone come in wanting to withdraw from their registered investments to make a large purchase. Taking time to look at their whole picture, we discovered the time, and financial and tax benefits of a line of credit in their situation. Let our pros use the ins and outs of finance to build an action plan that doesn’t necessarily force you to choose between your long and short term goals.

“I don’t have any particular goals.”

You came here for a reason. Something tells you that even though you don’t really know what you want, you should do something about that — or at least have the confidence to know you’re not going down the wrong path. For you, a planning session might be like getting a health check-up for your wallet. We’ll see how you’re doing, show you possibilities, and maybe inspire a goal or two... or five. No pressure.

Change my selection

Meet with an advisor Discover what’s in a plan

Those who follow a plan have a net worth that’s 2.7x greater than those who don’t.

Source: Strategic Business Insights MacroMonitor 2020-2021 Report

What’s in an advice plan.

Simple, meaningful insights

We’ll analyze and uncomplicate your financial data so you can see a clear path forward toward your financial goals. Or if you don’t have any, we’ll give you some ideas based on your situation.

“What if?” scenario analysis

We’ll help you avoid unwanted surprises and make more informed decisions by stress-testing financial scenarios to assess the potential impact of market fluctuations, big purchases, and more.

Goal tracking and monitoring

You’ll get detailed metrics and customizable dashboards to help you track your goals and monitor your progress towards achieving them.

By the way, it’s completely free to meet with our professionals to get advice.

Our commitment to you, our members, is to analyze your situation and give you the best advice we can.

Meet our advisors

What tangible actions look like.

We get it, meeting with someone can feel like a burden when you’re not sure what you’re getting out of it. Rest assured, we’re not all talk, you’re going to get very tangible next steps that ladder up to your desired outcome.

Here are examples of actionable items that have shown up in plans that our members take home:

Save $800 monthly for 5 years and 3 months to your non-registered account for your vacation property goal
Repay your line of credit in full by Feb 8 as part of your debt consolidation
Begin monthly RRSP savings of $335 from Jul 2038 to Sep 2053

The individual plan, actions, timing, and calculations we make for you will reflect our session and conversations together.

Meet our advisors

Our team is ready to see you.

Select an appointment type based on the stage your finances are in. If you already have an advisor, you can look them up in our directory.

Planning for everyone. First job, just married, starting a family or growing your savings.

Ideal for holistic planning or new investors

Start your investing journey with simple and introductory financial advice and investment planning needs
Invest with mutual funds* and term deposits, with a focus on socially responsible investments
Receive long-term needs analysis as your life changes

Meet with a Wealth Relationship Manager

If you're growing your family, nearing retirement, or just looking for a second opinion on your portfolio.

Ideal for
$100,000 to $350,000

Personalized planning, as you progress through life events, big and small — with a focus on long-term results
Invest with a wider selection of with mutual funds, low cost ETFs, tax advantaged options, fixed income instruments among other investment types

Meet with a Wealth Planner

For when your personal and financial circumstances become more complex, like managing large assets, retirement, or protecting your wealth and legacy.

Ideal for
$350,000 and up

Tap into advanced wealth management strategies to grow and minimize tax liabilities
Access a full range of tailored planning services, investment tools and solutions
Access actively managed pooled funds that offer unique pricing and diversification benefits

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*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 funds, other 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, their values change frequently, and past performance may not be repeated.