Dreaming about retirement?
Dreaming about retirement?
We’ll get you there.
Whether retirement is right around the corner or miles down the road, managing – and maximizing – your financial resources is critical. Our experienced advisors will guide you through the ins and outs of retirement planning and help you create a personalized strategy to get you retirement ready.
Whether retirement is right around the corner or miles down the road, managing – and maximizing – your financial resources is critical. Our experienced advisors will guide you through the ins and outs of retirement planning, and help you create a personalized strategy to get you retirement ready.
Our retirement planning process
There’s more to retirement planning than charting RRSP investments. At VCU Financial, we start by taking stock of where you’re at and where you want to go. Then we offer strategies and financial product options to protect and grow your wealth. This process includes:
Information gathering: age, family situation, income, liabilities, assets, investments, existing retirement savings/pension plans, retirement goals, etc.
Insurance assessment: we assess any existing insurance policies to ensure you and your family are adequately covered and consider how these needs will change as you get older.
Budget discussion: we’ll chat about your current financial situation and determine realistic contribution amounts and goals.
Investment options and recommendations: we’ll propose investment products that fit with your life and your goals.
Assess and adapt: Life is always changing, which means financial plans change, too. We’ll work with you when changes happen and help to get you back on course.
Ready to get future-ready?
You work hard for your money. We’ll work hard to help you grow it with an investment portfolio designed for you.
When it comes to planning for retirement, there’s no time like the present. Find out how you can make your retirement dreams a reality.
A good estate plan is about more than distributing assets, it's an opportunity to take control of the legacy you leave.
RESPs: Save for your child’s post-secondary education with tax-sheltered contributions and earnings while supplementing your contributions with government grants.
A good employee benefits package can help you attract, retain and motivate employees. We can help with that.
Safeguard your family’s future with an insurance strategy customized for your life.
Helpful tools for first-time homebuyers
Given the increased cost of living and high interest rates seen across Canada, the barriers to first-time home ownership seem higher than ever. Fortunately, there are a couple of federal programs to help put home ownership within reach of first-time buyers.
Fraud prevention: impersonation scams
Scammers have thousands of tricks up their sleeves, but there are a few that tend to top the list year after year. Experts say that’s because they prey on universal human emotions such as love, insecurity and fear.
Financial literacy: striking a balance on your credit rating
We’ve all been there. You’re at a financial institution or a car dealership inquiring about a loan and they announce they need to pull your credit score. Suddenly, you feel as though you’re standing there in your birthday suit, utterly exposed.
Mortgage matters: what's your right repayment option?
There are so many decisions involved in buying a home: What’s my budget? What’s the right area for our family? Do I want a condo? A house? Can I live with that carpet? And so on. By the time you get down to signing the mortgage documents, you could be forgiven for just wanting to sign on the dotted line and be done with it. Hang in there.