Your Credential Financial Strategies representative available through your Credit Union can guide you through all aspects of financial planning at no cost or obligation. » Personal Money Management » Investment Planning » Insurance Planning » Education Funding » Retirement Planning » Estate Planning Personal Money Management For most of us personal money management can be a challenging area. Your Credential Financial Strategies representative can help chart a course for you. In most cases, an overall approach to your situation can help develop a plan/budget and move you towards a clear path to money management, which becomes very easy. Investment Planning For most people the whole area of investment planning can be very intimidating if they don’t follow it closely each day. Your Credential Financial Strategies representative can help bring down the barriers and help you get a better understanding of what your options are as well as give you a better sense of comfort on any existing investments. Even if you are just beginning to invest, we can help you set your goals and review your overall situation. Insurance Planning Credential Financial Strategies provide full insurance planning in all areas with some of the largest insurance companies in the market today. Your insurance program can be tailored to meet your present budget and family needs. Your Credential Financial Strategies representative can help you determine the program that meets your needs. Our insurance planning packages cover various types of insurance including: • Life insurance • Critical illness insurance • Long term care insurance • Personal disability insurance • Personal health and dental plans • Group benefits packages Education Funding As it has been made very clear over the last number of years, the cost of PEI secondary education is on the rise and many parents wonder how they can offset some or all of this concern. Credential Financial Strategies can help with an objective plan setting out your options to start the education funding process. It really does not have to be as big a concern because the good news is that anyone can start a plan to fund post secondary education which matches their family’s budget and needs. Retirement Planning Most people have some sort of retirement plan in place with Personal RRSP’s and company pensions, but most people never take the time to sit down with a professional like your Credential Financial Strategies representative to help organize objective plans to further chart the course. This plan will be made very understandable and will move you towards your retirement date and make sure the income is available to have a financially stress free retirement. Estate Planning This whole concept does not just have to be as complex as many people think. Your Credential Financial Strategies representative can work with you to make sure all the assets you have built up over your working years can be passed on to your heirs the way you intend. They will help you develop a plan and strategies to make sure you maximize any tax advantages available as well as pass on any assets in a equitable fashion to your heirs. Credential Financial Strategies Inc. is a member company under Credential Financial Inc., offering financial planning, life insurance and investments to members of credit unions and their communities. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence. 08/05