Helping
You To Achieve
Your Goals
We help determine your life goals and how to manage your financial affairs.
North Peace Financial Planning LTD.
Financial planning is about more than investments. It's about determining your life goals and suitably managing your financial affairs so that you can achieve these goals. At North Peace Financial Planning Services Ltd., we can help you find the best path to achieving your goals.
North Peace Financial Planning Services Ltd. is a subsidiary of North Peace Savings and Credit Union offering financial planning, life insurance and investments.
What does your dream retirement look like? With our expert advice and investment options we can help you make this dream a reality.
Retirement Savings
A retirement savings plan is an opportunity for individuals to save money on a tax deferred basis. This allows individuals to reduce their taxable income. Money made within the account is tax free and is only taxable upon receipt. North Peace Savings can help you learn how this can be an effective way of saving for retirement.
Retirement Income
Retirement Income Funds allow you to move money from an RRSP, a PRPP, an RPP, an SPP or from another RRIF. The carrier of the Retirement Income Fund then makes payments to you. The minimum amount must be paid to you in the year following the year the RRIF is entered into. If you utilize RSPs and are moving into retirement then it's best to talk to a wealth specialist at NPSCU about how to best utilize a Retirement Income Fund.
Pension Transfers
If you had a pension at your previous employer and want to move it so you have more control, NPSCU can help with that. Ask our wealth advisors about how we can best help with Pension Transfers.
The unexpected happens. Planning ahead makes the challenges that come with things like divorce, unemployment, and disability easier to manage.
Personal Insurance
Accidents can happen anywhere - on the job, at home, or while travelling. Our diverse range of personal insurance options can protect you from income loss while you recover.
Estate Planning
Planning an estate isn't something exclusive to eccentric billionaires. Everyone should have some sort of estate plan in place to ensure their financial matters are resolved quickly and expediently.
Business Insurance
You've invested a lot in your business. Protect your investment with insurance and keep up with your business' financial obligations in the event of the unexpected.
Post-secondary education is expensive. Whether you are saving for your child's education or planning for your own, we can help you choose and manage a funding plan that suits your needs.
RESPs
RESPs are an ideal way to save for education costs - RESP savings grow tax free until used and are a great tax benefit - but they are not the only investment available for education savings. We can help you decide which is best for you.
Education Borrowing
If saving for education costs isn't an option for you, borrowing may be your solution. Our experts can help you determine if borrowing for education costs is right for you.
Tax Free Savings
Investing in a TFSA allows you to save without paying tax on the interest your money earns, and, withdraw funds at any time without penalty.
Annuities
Annuities, insurance based investments that have guarantees attached to them, offer a stable income flow for a specified period of time or for the lifetime of the investor.
Investing With & Without Advice
With Advice
Investment Planning can be puzzling!
North Peace Financial Planning Services provides access to investment options for wherever you are, with products that suit your customized needs.
Our Specialists use different investments to help you achieve your financial goals. Call 250-787-0365 or email npfp@npscu.ca to book an appointment today.
- Mutual Funds through Credential Asset Management
- Private Pools
- Term Deposits
- Annuities
- Segregated Funds
- Efficient Tax Structuring
*Mutual funds are offered through Credential Asset Management Inc. Unless otherwise stated, mutual fund 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.
VirtualWealth®
A smart, easy way to invest
VirtualWealth is a simple and convenient digital investing service that provides you with a professionally managed, low-cost portfolio to match your personal financial goals, timeline and risk tolerance.
- A Portfolio that Fits Perfectly
- Build Your Wealth
- Mobile Apps for Tracking your Investments
- Friendly Support
- Continuous Oversight and Regular Rebalancing
- Keep More Money Invested
- Invest Responsibly
VirtualWealth is powered by Aviso Wealth, one of Canada’s leading independent financial services providers. Aviso oversees billions in assets under administration and management. It is owned by the provincial credit union Centrals, The Co-operators/CUMIS and Desjardins. VirtualWealth is a trade name of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.
Qtrade Investor
Online investing
We have partnered with Qtrade Investor to provide you with online investing from one of Canada’s best online brokers. If you prefer to self-manage your investments, Qtrade Investor empowers you to reach your investment goals.
- Exceptional Value
- Outstanding Service
- Accounts You Need
- Investment Choices
- Planning & Research Tools
- Convenient Access
- Award-Winning Trading Experience
Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc. Member of the Canadian Investor Protection Fund.