Financial Planning

Good Advice Goes A Long Way

What is the value of professional financial advice? It can mean better financial decisions that save you money, earn you more money and save you time.

The Value of Advice Report 2012 by the Investment Funds Institute of Canada found that households that receive financial advice are more confident about their financial future. Also, this same report concluded that households that received financial advice over  7 to 14 years had acquired on average almost double the financial assets of non-advised households.

HMECU members have free access to expert advice from our Certified Financial Planners (CFP's). One of our experienced CFP's may be able to help you in a variety of ways including:

  • Creating a disciplined savings strategy including cash flow planning and debt management
  • Designing and implementing a customized investment strategy
  • Understanding your employer pension (experts in HOOPP and OMERS pensions)
  • What to do with sick bank and vacation pay at retirement
  • Proposing tax reduction strategies
  • Facilitating will and estate planning

Your Journey Through Life

HMECU will work with you to help make the best financial decisions for your unique needs. Your needs can change and multiply as you travel through life. These different life stages may be home ownership, children’s education costs, retirement planning and more. Whatever challenges and opportunities you face, HMECU has the expertise, products and services to help you meet them, while maximizing your opportunities for financial success along the way.

Before you make decisions that could impact the rest of your life, call someone you can trust. Just a few minutes of your time could make the financial difference of a lifetime!