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Estate

Estate planning is more than simply dividing things among your heirs and PlanWright Financial realizes it’s important to you and your family that it’s done right. Estate planning is often an important part of your overall financial plan. Your financial planner can help you structure your investments ahead of time and ensure your estate will go where it is intended.

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Education

In 2016, a year of tuition could be anywhere from $15,000 to $25,000 depending on what program a student is taking and which post-secondary institution they are attending. In order to offset this future financial burden, the federal government has implemented several beneficial programs to assist with these costs. We have the expertise to help choose the right investment products, as well as how to ensure that you receive the maximum amount of government benefits possible, given your situation.

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Insurance

For most of us, personal goals are focused on providing for our family and loved ones, so an important part of a complete financial plan deals with insurance. Our staff can help you with sound advice and offer the insurance coverage that will provide for your family. PlanWright Financial offers life, disability, critical illness, and long-term care insurance so that you and your loved ones are prepared for the unexpected events that life sometimes challenges us with.

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Investments

Investment planning is a critical component of successful wealth management. To effectively meet your goals, you must have in place a well thought-out investment plan that is integrated with your overall tax, estate, and other planning needs. That plan should manage risk by diversifying across asset classes, take advantage of the full range of available investment products and services and seamlessly accommodate changes in your financial and personal lifestyle. Such a plan can only be developed by understanding your unique situation and needs through a process that reveals what it is that makes you different as an investor and as a person, exploring and assessing your every opportunity for growth and success. PlanWright Financial can provide counsel and advice to assist you in creating and implementing this plan. PlanWright provides access to an array of different investment options such as Mutual Funds†, Corporate Insured Annuities, and Segregated Funds.

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Succession & Retirement Planning

It is never too early or too late to plan for your retirement. Whether you are planning to retire next year or decades from now, we can help with a plan that is custom fit to meet your personal objectives. Managing – and maximizing – your financial resources becomes critical when you can no longer depend on your regular employment income. It’s more important than ever to stretch every dollar when there are fewer of them to count on. And the financial missteps that we could recover from in our youth, we now try hard to avoid. Whether you’re planning in anticipation of your retirement or you’re already in it, the special issues of estate and investment planning, tax avoidance and money management that come to bear in your retirement years are deserving of special consideration. We can help you find solutions whether it is for an individual pension plan, Executive/owner retirement solutions, Buy/sell agreement funding solutions, Key person insurance or Intergenerational transfers.

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Employee Benefits

Employers often offer health, dental, life and disability insurance benefits to their employees through employee (group) benefit plans. This decision helps an employer recruit and maintain a solid and secure workforce. However, how much the employer will pay towards these benefits and how the benefits will be constructed can result in a large difference in cost to the employer. PlanWright Financial can help determine the most advantageous way for employers to offer benefits to their employees at the best price with benefits designed for their unique workplace.

PlanWright Financial can set up a program tailored to meet your needs and those of your staff.

Whether you are looking for Group Life Insurance, Group Disability Insurance, Group RRSPs and pensions or employee seminars, we’re there to help!

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†Mutual funds and related financial planning services are offered through Credential Asset Management Inc.

PlanWright Financial is a wholly-owned subsidiary of Encompass Credit Union.