By Robert Collins, Investment Advisor/Financial Planner

Making the most of your money

A Better Way to Invest

Nov 14, 2019 | 1:43 PM

We all work hard for our money; now it’s a matter of getting your money working hard.

Affinity goes the extra mile to make sure your money goes the extra mile. The customized wealth solutions offered through Credential Securities are empowering members to plan for their futures a better way. Affinity members know they can go to Credential Securities advisors who truly understand their needs and build a plan to meet their goals.

“It’s been really appealing to our membership,” says Robert Collins, an Investment Advisor at Credential Securities. “We approach things in what’s called the holistic financial planning methodology. We can do the retirement plan, the estate, and everything else right here. That way, you don’t have to start seeing other people, because that can be disruptive.”

There’s no one-size-fits-all investment, so Credential Securities offers ‘private managed’ accounts. Portfolios are meticulously assembled and managed by multiple financial analysts, creating what Collins calls ‘layers’ of accountability. Next, the portfolio goes through extra screening processes for risk assessment and, if the client wishes, social responsibility, “so that we can actually feel good about what we’re buying,” as Collins puts it. “What’s so appealing about this structure is that we have diversity, clarity, and the investment is tailor-made, just for you.”

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Collins says this gives members better understanding, control and influence. “Sometimes it’s too much detail, but at the end of the day, people don’t want some mysterious ‘trust me’ structure—they want to know what’s going on.”

To that end, members are served through a progressive, fee-based structure. With members calling for greater transparency from their financial institutions, the fee-based structure allows for clarity without the risk of a conflict of interest affecting their investments. “From an ethical standpoint, it’s a big improvement,” says Collins, “and for non-RSP assets, it’s a tax-deductible fee.” This could save members up to one-half of what they might pay for services elsewhere.

Credential Securities at Affinity goes the extra mile because they care about people, not profits. It’s also why they extend their services to members’ children—for the same price. “In some cases, I’ve advised four generations within the same family,” says Collins. “Although the youngest generation is at least ten or twenty years away from being able to access this level of expertise based on their investment portfolio, they’re getting a great head start. This is how we can make a significant impact on their financial well-being.”

Mutual funds, other securities and securities-related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

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1.866.272.2521 | 1.866.863.6237 | affinitycu.ca