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Synergy knows Wealth

The Synergy Wealth team uses a holistic approach to building wealth. Investing is part of it, but it’s much more than that. Let’s talk about your personal goals and find a solution to get you there. At Synergy Credit Union, you'll find all the wealth management solutions you need, from a partner you can depend on.

Join us for an informative webinar featuring Aviso Wealth’s tax expert, Doug Carroll!



If you’re seeking tax saving opportunities, relevant to both the time of year and the stage in your life, join us for a 60-minute webinar with tax expert Doug Carroll. Doug will share 23 tax tips for you to consider before year-end that will help keep your finances on track in 2024.

We are proud to host this special event in partnership with Aviso Wealth.

Webinar topic: Year-end tax tips – 23 for 2023

Date & Time: Wednesday, November 29, 2023 (two sessions available)

Speaker: Doug Carroll, Tax & Estate Specialist at Aviso Wealth

Platform: Zoom

Cost: Free!

Hurry to register as space is limited!

Session 1: 9am PT / 10am MT / 12pm ET - Register here

Session 2: 12pm PT/ 1pm MT / 3pm ET - Register here

*Aviso Wealth Inc. ('Aviso') is a wholly owned subsidiary of Aviso Wealth LP, which in turn is owned 50% by Desjardins Financial Holding Inc. and 50% by a limited partnership owned by the five Provincial Credit Union Centrals and The CUMIS Group Limited. The following entities are subsidiaries of Aviso: Credential Qtrade Securities Inc. (including Credential Securities, Qtrade Direct Investing, Qtrade Advisor, Qtrade Guided Portfolios and Aviso Correspondent Partners), Credential Asset Management Inc., Credential Insurance Services Inc., Credential Financial Strategies Inc. and Northwest & Ethical Investments L.P.
family having fun at the beach

Personal Wealth

A financial plan can increase your wealth, but did you know it can also make you happier? People who work with a professional advisor to put a financial plan in place have higher emotional well-being.
Woman planning in the shop

Business & Ag Wealth

When you own a business or ag operation, you live a 24/7 commitment to building a sustainable future. We can take up some of the load with local, expert advice and financial planning tools tailored to the needs of your business.
Couple meeting with a financial advisor

Synergy Wealth Team

The Synergy Wealth team can help you with a wide range of services to understand, protect and grow your wealth. It all starts with a simple conversation that’s focused on your goals and becomes a tangible, practical plan for the tomorrow you’re dreaming of.


Synergy Wealth Team

To learn more about each expert, click or tap on their image below.



Credential Asset Management Inc.


If you want today’s paycheque to work harder for your future, you’re not alone. Our Wealth Team can help you with a wide range of services to understand, protect and grow your wealth. It all starts with a simple conversation that’s focused on your goals and becomes a tangible, practical plan for the tomorrow you’re dreaming of.

Jason Rindfliesch

CFP®, RIS
Financial Advisor
Synergy Credit Union
Credential Asset Management Inc.

Jeanette Sherling

FCUIC,RIS
Manager of Wealth Services
Synergy Credit Union
Financial Advisor
Credential Asset Management Inc.

Jason Topolnisky

CFP®, RIS
Financial Advisor
Synergy Credit Union
Credential Asset Management Inc.

Doyle Elliott

CFP®, RIS
Financial Advisor
Synergy Credit Union
Credential Asset Management Inc.

Charity Elston

CFP®, RIS, RRC
Financial Advisor
Synergy Credit Union
Credential Asset Management Inc.
FSA Learning Lead
Synergy Credit Union

Amberle Benoit

RIS
Financial Advisor
Synergy Credit Union
Credential Asset Management Inc.

Danielle Hollingshead

CFP®, RIS
Wealth Services Supervisor
Synergy Credit Union
Financial Advisor
Credential Asset Management Inc.

Ameera Alindogan

RIS
Financial Advisor
New Community Branch
Synergy Credit Union
Credential Asset Management Inc.

Credential Asset Management Inc. logo






Credential Financial Strategies Inc. & Credential Securities


The dedicated team of financial experts at Credential can help you grow and protect your money with a customized and collaborative approach. They have the expertise, experience, and tools to assist in helping you reach your financial goals. Whether you are evaluating your investment strategy or looking for a complete review of your profile, this team is ready to help.

Deanna Amos

B. Comm, CFP®, RIS
Insurance Representative,
Credential Financial Strategies Inc.
Investment Advisor,
Credential Securities

Leanne Arden

CFP®, CLU®, CIM®, FCSI®, RIS
CFS Supervisor
Insurance Representative,
Credential Financial Strategies Inc.
Investment Advisor,
Credential Securities

Thomas Stangowitz

BA, CFP®, RIS
Insurance Representative,
Credential Financial Strategies Inc.
Investment Advisor,
Credential Securities

Emily Meyer

B.Comm, CFP®, RIS
Insurance Representative,
Credential Financial Strategies Inc.
Investment Advisor,
Credential Securities

Ashley Brick

Coordinator
Credential Financial Strategies Inc.
Credential Securities

Credential Financial Strategies Securities

DOUBLE YOUR MONEY

Speak with a Synergy expert to match one monthly pre-authorized contribution, up to $250*.


*Terms and conditions apply. See below for details.
What is a Pre-Authorized Contribution (PAC) Plan?
A Pre-Authorized Contribution (PAC) plan is your key to achieving your financial goals effortlessly. Whether it's saving for retirement, purchasing your dream home, or securing your child's education, PAC plans make it all possible without breaking a sweat.

To start a Pre-Authorized Contribution (PAC) plan, simply provide your written authorization to your financial advisor at Synergy CU. Once authorized, they will transfer a specific amount from your account every month on an agreed-upon date.

The cool part is you don't have to worry about manually making these contributions each time. The money is automatically whisked away from your account and sent straight to your chosen investment or savings account. It's like setting your savings on autopilot!

By automating your contributions, you'll cultivate a regular saving habit without lifting a finger. Plus, we understand life can throw unexpected surprises, so you have the freedom to adjust your contribution amount or pause the plan if needed. Just give your advisor enough notice to make the change, and we've got you covered.

In a nutshell, Pre-Authorized Contribution (PAC) plans make saving and investing a breeze. Get ready to watch your financial dreams become a reality by setting your savings on autopilot with PAC plans.

5 Benefits for Setting up a Pre-Authorized Contribution (PAC) Plan

  1. Faster savings growth: PACs help you plan and calculate the time needed to reach your goals while earning compound interest on your contributions.

  2. Stress-free saving: Automatic contributions reduce financial stress and boost confidence in achieving your goals, including RRSP and TFSA contributions.

  3. Budget control: PACs promote "pay yourself first" mentality, resisting unnecessary spending, and allowing easy adjustments to contributions.

  4. Early start advantage: Starting early means less catching up later and more opportunity to earn interest over time.

  5. Lower investment costs: PACs enable dollar-cost averaging, strategically navigating market fluctuations with regular contributions.

Synergy Credit Union is offering a limited-time cash bonus on for new investors setting up and maintaining a pre-authorized contribution (PAC) from Synergy Credit Union or an external financial institution subject to satisfaction in Synergy Credit Union's sole discretion, of the eligibility criteria set forth in these terms and conditions.

 

Eligibility Criteria

To qualify for the cash bonus Members must satisfy all the following eligibility criteria:

  1. Synergy Members who have achieved the age of majority in Canada.
  2. Synergy Credit Union members who currently have Credential Asset Management and/or Credential Securities investment accounts are not eligible.
  3. An Initial Deposit must be received within 30 days of the account opening. Other non-regular lump sum deposits will not be considered as part of the pre-authorized contribution and will not be eligible for the cash bonus.
  4. The Member must make a minimum Initial Deposit of $100.00.
  5. PAC must be set up and funded within 30 days of signing this agreement. The PAC must come from a source that is not Credential Asset Management Inc., Credential Securities, nor Qtrade Direct Investing.
  6. PAC must be a monthly minimum of $25.00 for 3 consecutive months within the account.
  7. Assets eligible for the cash bonus offer with respect to Initial Deposit are balances held in registered investments (refer to section 12 for the details). The initial deposit can be transferred from an investment firm account outside of Credential Asset Management Inc., Credential Securities, and Qtrade Direct Investing. The initial deposit can come either from a registered or non-registered account, however upon transferring to Credential Asset Management Inc. or Credential Securities (collectively, the “Qualifying Accounts”), Assets must be transferred into a new registered investment account. Assets eligible for the cash bonus with respect to pre-authorized contribution (PAC) are pre-authorized contributions made to Credential Asset Management Inc. or Credential Securities and to the same account as the account opened for the Transfer of Funds. Non-registered accounts do not qualify for this offer.
  8. Eligible Assets must be transferred into a new registered investment account at Credential Asset Management Inc. or Credential Securities (collectively, the “Qualifying Accounts”). Options, personal mortgages, units of limited partnerships or securities that are not listed on a recognized exchange or quoted on a recognized quotation or trade reporting system or other market recognized by Synergy Credit Union or Credential Securites cannot be transferred in as Assets.
  9. The transfer of Assets from Synergy into a Qualifying Account must be initiated no earlier than September 1st, 2023 at 9:00 a.m. MT (the specific date of transfer is referred to as the “Transfer-In Date”).
  10. PAC must begin within 30 days of the initial deposit and continue for a minimum of three months into that fund. Qualifying Investments are all investments held in a Qualifying Account other than Non-Qualifying Investments. Non- Qualifying Investments include the following: premium savings accounts, GICs, options, personal mortgages, fixed income securities with a duration of less than six months, shares of CCPCs, units of limited partnerships, or securities that are not listed on a recognized exchange or quoted on a recognized quotation or trade reporting system or other market recognized by Synergy Credit Union in its sole discretion (collectively, “Non-Qualifying Investments”).
  11. Qualifying Accounts can be (a) registered retirement savings plan accounts; (b) spousal registered retirement savings plan accounts; (c)tax free savings accounts; (d) registered education savings plan accounts; (e) registered disability savings plan accounts; (f) first home savings account.
  12. Qualifying Investments must have a minimum market value, as determined by the valuation method set forth herein, of $100.00 to be transferred into Qualifying Account(s) held at Credential Asset Management Inc. or Credential Securities.

Valuation and Payment

  1. At the time of receiving the cash bonus the Member must be a resident of Canada.
  2. Cash bonus value will be matched to the PAC value set by the Members. Cash bonus value examples are illustrated below.

PAC Value and Schedule (set by  Member)

Cash Bonus Total Value (Matched by Synergy)

$25 per month

$25

$75 per month

$75

$250 or more per month

$250


  1. The cash bonus offer will be paid to the designated Synergy Credit Union account of the Member who qualifies for and accepts this Offer, provided that they have maintained the monthly PAC for three consecutive months, with the cash bonus being paid in the following month.

 General Terms

  1. This offer may not be combined with any other offer.
  2. Synergy Credit Union reserves the right at any time without prior notice and in its sole discretion, to add, alter, modify all or any of these terms and conditions or to replace this offer, wholly or in part, with any other offer, whether similar to this offer or not, or to withdraw this offer altogether. Synergy reserves the right to suspend, disqualify, limit or revoke this Offer to any Member it finds or believes to be manipulating or otherwise abusing the process, fairness, or integrity of the cash bonus.
  3. Additional terms and conditions apply to opening an account with Credential Asset Management Inc., and Credential Securities, and the transfer in, and operation of, accounts at any of Credential Asset Management Inc., and Credential Securities.
  4. Synergy Credit Union shall have the exclusive right to determine the amounts, if any, payable under any offer.
  5. All eligible accounts with Credential Asset Management Inc. and Credential Securities must be nominee accounts. All new accounts eligible for the Cash bonus/ with Credential Asset Management Inc. and Credential Securities will be opened as nominee accounts.
  6. Synergy Credit Union representatives that are not registered with Credential Asset Management Inc. or Credential Securities will not be involved in any investment decision involving a Qualifying Account held at Credential Asset Management Inc. or Credential Securities.
  7. The Credential Asset Management Inc. or Credential Securities representative managing a Qualifying Account must be affiliated with Synergy Credit Union.
  8. Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. There can be no assurances that the money market fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual funds and other securities are not guaranteed, their values change frequently, and past performance may not be repeated.



Holistic planning wheel



Holistic Planning with Wealth Goals

The holistic wealth process is a personalized journey that keeps the focus on you throughout each stage. Working together, we will uncover what is most important to you and create an overall financial picture that ensures the wellbeing of you and your loved ones. We recognize that you and your situation are unique, and we incorporate this into every decision-at every stage-of your journey. The strategies we develop and the recommendations we provide will always reinforce our common goal: your wellbeing.

ESTATE PLANNING

We guide you through the organization of your estate and the establishment of your legacy. We identify strategies that will help protect your wealth during your lifetime and that will successfully transition this wealth to your beneficiaries when the time comes.

TAX PLANNING

We help you determine your current and future tax obligations so that we can recommend strategies that will minimize or defer taxation on personal and/or business income.

INSURANCE PLANNING

The experts at Credential Financial Strategies Inc. identify strategies that will protect your loved ones, wellbeing and quality of life-things that are important to you-in an effort to minimize the financial impact of loss, injury or illness.

FINANCIAL PLANNING

We look at your current and projected cash flows to define your financial picture. We then incorporate planning around your net worth, your budget and the management of your debt, establishing a roadmap for the future.

RETIREMENT PLANNING

We help you design a plan that not only balances living and saving comfortably now, but also achieves your desired retirement lifestyle. We work with you through every stage of the retirement process, evolving your plan over time and ensuring it adapts to changing circumstances.

INVESTMENT PLANNING

We focus on finding investment solutions that will serve as a link between your current financial situation and your articulated goals and objectives.

Planning Tools

Benefits of consolidating your investments
Lower fees, less duplication, better diversification, and new investment opportunities – this sounds pretty good, and doesn’t have to be just a dream. A Synergy Wealth expert can guide you through the benefits of consolidating investments.
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