We know you have to plan for the future and you need your money to grow. That’s why through Coastal Financial Credit Union we provide access to a full range of account, investment, insurance, and lending products customized to get you to your goals. With specialists to answer your questions and offer timely, professional advice, we can give you peace of mind knowing that your money is doing the most for you. Whether you manage your own portfolio or are looking for an investment planner to work with you to develop a customized personal investment plan, we have the expertise to make your retirement dreams a reality. Our wide range of registered and non-registered investment options as well as insurance and trust services give you the power to choose the products that best meet your needs. We can walk you through savings and borrowing strategies that make sense given your income and your retirement goals.

If you have questions or would like to talk to us about your retirement plans, please visit one of our branches or contact us.

Planning for Your Future

You’re thinking about your future… and you may be wondering whether you should focus on reducing your debt or contribute to an RRSP. Perhaps you already contribute and wonder if a TFSA is right for you. Or perhaps you have multiple RRSPs with past employers and struggle with managing multiple statements come tax season. Ever wonder if diversifying your investments is really working to your benefit?

No matter what question you have, our focused approach can make a big difference for your future. What can a second look at your retirement plan do for you? We’re here to help you focus on the big picture – to save for what really matters.

Contact us today to see what our focused approach can do for you. No obligation, no strings. Just sound advice from our financial professionals who are focused on you and your needs.

Whether you’re just getting started, or fully engaged in your quest for more information, our expert articles will help shed light on your RRSP questions:

Save Smarter—Should you choose a TSFA or RRSP?
So you want to save for retirement. Or a home. Or a rainy day. There are many ways you can save money, and in a sock under the bed probably isn’t the best nor most secure. A tax-free savings account (TSFA) or registered retirement savings plan (RRSP) are decidedly better options. But between the two, what’s the better option for you?
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Most Frequently Asked Questions About RRSPs
Get an overview of everything to do with your RRSPs.
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Make saving simple by consolidating your RRSPs.
Saving for retirement is smart—no question about that. But as people change jobs, often they end up with multiple RRSP accounts at different institutions. While it’s good to have diversified savings, multiple RRSPs are not necessarily the best way to save for the future. In fact, it could be costing you.
Learn more.

Questions To Ask Yourself NOW About Retirement.
Haven’t started your retirement planning? You’re not the only one. You have priorities, and retirement seems so far away it tends to be the first to be moved down the list. But if you don’t know what kind of future you want, how do you know you’ll be able to save enough to get there?
Learn more.

How Can An RRSP Loan Help You Maximize Your RRSP Contribution?
Have you taken advantage of your full contribution limit? RRSP loans can help you make your savings work for you now and grow your savings faster – a win-win.
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Programs That Can Help You Make The Most Of Your RRSPs.
Two programs allow you to use your RRSPs to benefit your future by helping to finance your first home, or pay for training or education.
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Taking Another Look – Why It’s Important To Revisit Your Retirement Plan At Different Life Stages.
No matter where you are on the road to retirement, it’s important to reassess your retirement savings plan to see if by making changes, you could be saving more, faster. Life is busy and it’s difficult to make time, but just as quickly as life changes, you’re closer to retirement than you may be ready for.
Learn more.

Want To Make Saving For RRSPs Easier And More Manageable?
Are you getting the most out of your RRSP plan? Do you find it difficult to make saving a priority? Our lives are not slowing down anytime soon. Find out how to make saving for RRSP contributions easier to manage.
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What You Need To Know About Your RRSP
When creating your RRSP plan, there are a few considerations you should understand to avoid any surprises in future years. Do you fully understand the tax fact? How much money will you need in retirement?
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How Can TFSAs Benefit You.
A Tax-Free Savings Account (TFSA) is a flexible, registered, general-purpose account. Unlike other savings accounts, it allows you to earn investment income without a tax penalty.
Learn more.


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