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Invest with confidence. Plan with purpose.
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At Mainstreet Credit Union and Aviso Wealth, investment planning isn’t a one-time conversation, it’s an ongoing partnership designed to help you make confident financial decisions at every stage of life.
Whether you're new to investing, focused on building wealth or navigating a major life transition, a clear investment plan gives you direction and the confidence to move forward.
Getting started can feel overwhelming. You might be wondering where to begin, how much to invest, or if you're behind. The truth is, investing isn’t about timing the market or picking the “perfect” product. It’s about building a strong foundation.
Financial planning for new investors isn’t about chasing returns. It’s about creating a strong foundation, and that starts with a financial plan.
Whether you’re saving for a home, planning for retirement, or figuring out your next step, we’ll help turn your goals into a clear plan, even if you’re not sure where to start.
Meet with a Mainstreet and Aviso Wealth Advisor in-branch, online, or by phone to explore your goals and how we can help you reach them.
Bring any documents that show your current finances, like savings or investment statements, recent account activity, or your CRA Notice of Assessment, to help us tailor your plan.
We’ll take a close look at your income, expenses, and spending habits to help you understand where your money is going and how to make it work harder for you. This is all about clarity, not restriction.
Whether it’s buying a home, starting a family, or building an emergency fund, we help you clarify your financial goals and create a plan to reach them. Knowing what you’re working toward makes every step intentional.
Everyone has a different comfort level with risk. We help you understand yours so your investments align with what feels right for you and your goals.
We show you simple, effective ways to invest that balance growth and risk while keeping taxes in mind.
Your plan isn’t static. As your life changes, your plan should too. We review your plan together on an ongoing basis, or sooner depending on your circumstances.
At Mainstreet, investment planning for new investors focuses on clarity and confidence.
Our advisors help you understand your goals and timeline, build healthy financial habits, create a realistic savings and investment strategy, and make informed decisions without pressure.
As a seasoned investor, your financial life becomes a bit more complex. Our planning helps connect the dots across your accounts, risk, and long-term goals.
It’s about refining your strategy, optimizing for the future, and ensuring your investments work together to support the life you’re building.
We review your income, expenses, and spending patterns to help optimize cash flow and make your money work harder. This foundation ensures every financial decision aligns with your broader strategy.
We map out your ideal retirement and any others goals to create strategies to achieve them. We account for lifestyle goals, income needs, and potential market changes. Your plan gives you confidence in your short-term and long-term future.
Your portfolio is structured to balance growth, risk, and tax efficiency, helping you maximize returns while minimizing liabilities.
We assess your protection against life’s uncertainties, from income loss to unexpected expenses, ensuring your wealth is safeguarded.
We help you plan how to preserve and pass on your wealth in line with your wishes, ensuring your legacy is meaningful and your family and/or business is secure.
Markets change and life evolves. We regularly revisit your plan to adjust strategies and stay aligned with your goals.
Your plan is comprehensive, coordinated, and designed to grow, protect, and preserve your wealth over time.
Whether you’re just getting started or refining your long-term plan, our team is here to help you invest with confidence.
With so many options, different accounts, timelines, and levels of risk it’s completely normal to feel unsure about where to start.
That’s where we come in. At Mainstreet, our Mainstreet and Aviso Wealth advisors take the time to understand your goals, your priorities, and your comfort level, then help you build a plan that makes sense for you. No pressure. No guesswork. Just clear, personalized guidance.
If you’d like to explore your options first, here are some of the investment accounts we offer:
Book a meeting with a Mainstreet and Aviso Wealth advisor to get started.
The short answer is no. While some investment options do have minimums, there’s no one-size-fits-all starting amount at Mainstreet and Aviso Wealth.
We offer access to a wide range of investment solutions, which means we can help you find options that fit your budget – whether you’re just getting started or ready to invest more. The goal is to build a portfolio that works for you, at a pace you’re comfortable with.
Taxes can play a big role in how much of your investment growth you get to keep – but the good news is that many investment accounts are designed to be tax-efficient.
Registered accounts like RRSPs, TFSAs, RESPs, and FHSAs offer valuable tax advantages on contributions, growth, and in some cases withdrawals. Non-registered investments are taxed differently, depending on how your money grows and how you use it.
Your Mainstreet advisor can help you understand how taxes fit into your overall plan and work alongside your tax professional or self-serve tools to make sure your investments are structured in a smart, tax-efficient way.
Your meeting is all about understanding your goals and getting a clear picture of your finances, so a few key documents can really help make the most of the conversation.
It’s useful to bring:
Information about your current savings and investments (including anything through your employer)
Around 3 to 6 months of chequing account transactions
Your regular monthly bills and expenses (both fixed and discretionary)
Copies of your most recent Notice of Assessment
Any other documents that help show your overall financial picture
Don’t worry if you don’t have everything – your advisor can still get you started and let you know what would be helpful to add later.
An investment review helps make sure your plan is still aligned with your goals.
Over time, your priorities, income, and circumstances can change. Markets change too. Meeting with your Mainstreet and Aviso Wealth advisor gives you a chance to check in, make adjustments, and keep your investments working the way they should.
Many members choose to review their plan once a year, but you can schedule a review whenever it makes sense for you. Together, we’ll make sure your investments continue to support your goals today, tomorrow, and into the future.
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
