Invest with
a Financial Advisor

Invest with a registered professional that is passionate about building a retirement plan to help you reach your goals.

4.9
Rating from 100+ post investing meeting surveys

Aviso Wealth Inc.

We partner with Aviso Wealth, the parent company of Credential Securities and Credential Asset Management Inc, so you can invest with confidence.

Aviso Wealth

  • Over 25 years as the wealth management provider to credit unions across Canada.*
  • One of Canada’s largest non-bank wealth management firms.
  • 100% Canadian owned and independent.**

Get honest
advice about your investments.

Although it might seem complex, we aim to make investing as simple as possible, so you can make the decision that is best for you. That includes thoroughly evaluating your individual situation and giving you straight-up, honest advice that you can actually understand.

“We have been dealing with the Cambrian Credit Union for over 30 years and never had a problem. We have been dealing with Shaun Merkel as our Financial Advisor for the last 5ish years and we are very happy with what he has done for us! We have also done a video meeting with Shaun and it was great not to have to go to the branch!”

Marla and Brent

experience working with a Cambrian Financial Advisor

“Mrs. Ladapo was very professional and friendly. She addressed all of our inquiries efficiently and made some recommendation that I had not considered saving us on taxes. I'm very glad that she is now acting as our new financial advisor.”

Ivan

experience working with a Cambrian Financial Advisor

5

“Megan is an extremely friendly individual who answered all my questions. Her professionalism and knowledge are first rate. I felt comfortable and know that my finances are in excellent hands. I am excited to continue my financial relationship with Cambrian Credit Union. I have the upmost confidence in Megan and Cambrian”

Robin

experience working with a Cambrian Financial Advisor

5

“I can't possibly say enough about Toyin.  She's just a wonderful, upbeat, helpful person with a good sense of humour.  She's highly knowledgeable, friendly, and easy to talk to.  She just wants to help you.

I've been treated with such kindness and empathy and helped with things in a way that was beyond what I would have expected.”

Dale

experience working with a Cambrian Financial Advisor

5

“Great customer service, very knowledgeable and professional  staff. Pushti Kaushal is a valuable asset to Cambrian Credit Union.”

Alanna

experience working with a Cambrian Financial Advisor

5

“Megan is always amazing! She helps me out with all my questions, provides excellent advice, and always ensures I understand my transactions. She is patient and kind and always makes me smile. She's the best and I trust her 100% with all of my finances!”

Kelly

experience working with a Cambrian Financial Advisor

5

“Megan Bednar is a very knowledgeable person for my retirement needs. She has been very responsible and has guided me in my retirement portfolio. I can honestly say she has given me confidence to succeed in my retirement. Thank you to her for her patience and guidance.”

Joy Anne

experience working with a Cambrian Financial Advisor

5

“Shaun Merkel has been helping and guiding me in the areas of RRSP, TFSA and investments for many years. I attribute a great deal of the success I've had in these area's to his input, guidance and ability to understand my situation, skills and level of understanding!”

Patrick

experience working with a Cambrian Financial Advisor

5

Two ways to invest.

Investment advice from our

Wealth Solutions Centre

No minimum investment required.

  • Our team of Wealth Solutions Advisors is available to service you digitally, at your convenience.
  • Meet via video or phone.

Personalized advice from a

Financial Advisor

For those planning to invest $50,000 or more.

  • Work with your personal Financial Advisor, one on one, to design an investment plan specific for you.
  • Meet in person, via video or phone.

Invest with a Financial Advisor

Credential Asset Management Inc.
Toyin Ladapo

Financial Advisor

Credentials

MBA - Masters in Business Administration

RIS- Responsible Investment Specialist

RRC - Registered Retirement Consultant

Toyin helps clients achieve their financial goals by employing her keen analytical and qualitative skills in each step of the investment planning process, in order to provide valuable information and sound advice.

Toyin enjoys helping her clients learn about their financial situation and the investment solutions that will enable them to reach their goals. Armed with this knowledge, she works with them to build a solid investment plan. She can service clients in English and Yoruba.

Shaun Merkel

Financial Advisor

Credentials

CFP® - Certified Financial Planner

RIS - Responsible Investment Specialist

Shaun has dedicated his career to helping people achieve financial success. With over 28 years of experience, he believes in open discussion and actively listening to his clients, collaborating as a team to find financial solutions and adapting them through the changes in their lives.

Shaun’s breadth of experience enables him to provide facts, information and real life examples that his clients can relate to, in order to implement a financial strategy that they are comfortable with. His true passion shines through when he is able to provide valued advice and planning that help his clients and their families achieve their financial aspirations.

Pushti Kaushal

Financial Advisor

Credentials

RIS - Responsible Investment Specialist

Pushti first gets to the heart of what is important to her clients. With this focus, she provides her clients with the appropriate knowledge and solutions to facilitate their financial decisions, keeping them on the path forward to realizing what will truly make them happy.

Pushti’s main goal is to help her clients grow their assets responsibly, giving them peace of mind that they have made the right choices. She can serve clients in English, Punjabi and Hindi.

Eric Massey

Financial Advisor

Credentials

B. Comm (Hons) - Bachelor of Commerce Honors

RIS - Responsible Investment Specialist

Eric knows that finances can be challenging, which is why he chose to pursue a career of helping people understand how to financially achieve their life goals, such as enjoying their retirement or financing their child’s post-secondary education.

Through a combination of financial education and real-life experience, Eric is able to demystify complex financial concepts and strategies so that his clients can feel confident that they understand how their investment strategy will enable them to achieve their goals. Eric focuses on providing a complete experience for his clients, by providing reliable and efficient service and a comprehensive investment plan.

Crystal Brown

Financial Advisor

Credentials

CFP® - Certified Financial Planner

RIS - Responsible Investment Specialist

RRC® - Registered Retirement Consultant

Crystal’s love of working with people, her previous banking experience and her financial education allow her to connect with clients at a personal level about their financial future. With her holistic approach and relatable style, she prepares detailed yet understandable investment and retirement plans that incorporate her clients’ values and what they want to achieve. As a trusted advisor, clients rely on Crystal to provide calm advice when life suddenly changes.

Crystal is passionate about making a positive impact in her client’s lives through sound investment strategies that remain adaptable to changing needs. Her ongoing relationship with clients has proven successful in helping them accumulate wealth to achieve their life goals and to provide for a comfortable retirement.

Leslie Hanson

Financial Advisor

Credentials

PFP - Professional Financial Planner

RIS - Responsible Investment Specialist

Leslie holds a wealth of financial knowledge gained from over 40 years’ of experience in financial services. She firmly believes that helping her clients understand what they own, and why they own it, is the basis for creating a solid financial plan.

Leslie will take the time to explain to her clients what the solution is and how it works, every time, so they confidently know what their investments are doing for them. When working with her clients to plan for retirement or passing wealth on to the next generation, she earns her clients’ trust by speaking plainly and answering all their questions or concerns. That’s why her clients call her first whenever they need financial advice.

Credential Securities
Trenton Mochnacz

Senior Financial Advisor

Credentials

CFP® - Certified Financial Planner

FCSI - Fellowship of the Canadian Securities Institute

FMA - Financial Management Advisor

RIS - Responsible Investment Specialist

Trenton has a wealth of education and experience in financial services, evidenced in his thorough and holistic application of financial planning disciplines when crafting investment and financial strategies tailored for each of his clients.

With more than 30 years’ experience, Trenton is passionate about helping his clients navigate through life’s expected or unexpected changes and challenges in order to achieve their financial goals.

https://www.iiroc.ca/investors/know-your-advisor-iiroc-advisor-report

Sean Carnegie

Investment Advisor

Credentials

CFP® - Certified Financial Planner

RIS- Responsible Investment Specialist

BA – Bachelor of Arts

With 35 years of experience, Sean is a seasoned advisor who focuses on providing strategic planning, tailored to the needs and goals of each of his clients.

Working closely with his clients, accountants and lawyers, he provides a comprehensive retirement plan that includes tax and estate planning strategies. This holistic approach has been key to Sean’s successful career, placing him among the top Credential Securities Advisors in Canada over consecutive years.

https://www.iiroc.ca/investors/know-your-advisor-iiroc-advisor-report

Megan Bednar

Senior Financial Advisor

Credentials

CFP® - Certified Financial Planner

RIS - Responsible Investment Specialist

Megan discovered her passion for helping people with their financial goals while working her way up the ranks at Cambrian Credit Union. Her grassroots banking experience, combined with her financial planning education, allows her to thoroughly understand personal finances, holistically guiding her clients through financial decisions, helping them set realistic goals and keeping them on track towards their financial future.

Megan works with each one of her clients wholeheartedly to create a personalized investment plan that provides them with peace of mind for their financial future.

https://www.iiroc.ca/investors/know-your-advisor-iiroc-advisor-report

What our Financial Advisors offer you

Customized investment strategy & portfolio

We will determine the appropriate asset allocation for your specific situation and recommend a customized

investment portfolio, retirement plan or retirement income strategy.

Lost or stolen ATM/debit card
  • Log in to Cambrian Online Banking
  • Click the envelope icon
  • Select "Write to Us"
  • Write your message and hit send
Retirement plan & strategies

We will review your your retirement objectives and plan with you to determine if you on the right path towards a comfortable and rewarding retirement and recommend investment strategies to get you there.

If you are closer to retirement, we will work together on a retirement income strategy.

Lost or stolen ATM/debit card
  • Log in to Cambrian Online Banking
  • Click the envelope icon
  • Select "Write to Us"
  • Write your message and hit send
Private wealth solutions

Offered through Credential Securities, Discretionary Managed Solutions are portfolios with stocks, bonds, ETFs or other securities, that are constructed and managed by professional investment managers.

With a discretionary managed solution, you pay one simple monthly fee based on account size and type of solution.

Minimum account size: $50,000

Lost or stolen ATM/debit card
  • Log in to Cambrian Online Banking
  • Click the envelope icon
  • Select "Write to Us"
  • Write your message and hit send

We make sure you understand your financial plan

by being transparent and using plain language. You shouldn't need a finance degree to understand your financial plan.

When you work with a Cambrian Financial Advisor:

Step 1:
We will ask the right questions

to understand your lifestyle and retirement needs to properly balance the risk in your portfolio with your expected return.

Step 2:
We will clearly explain

• your investment options

• our relationship with suppliers

• the risks (investment return, retirement income and taxes)

• all the fees and costs

so that you can make the investment decisions that are right for you.

Step 3:
We will monitor and measure

your investment performance compared to set goals and benchmarks.

My Cambrian advisor has been helping and guiding me in the areas of RRSP, TFSA and investments for many years. I attribute a great deal of the success I've had in these areas to his input, guidance and ability to understand my situation, skills and level of understanding.

Patrick’s

experience with a Financial Advisor

4.9

Our Financial Advisors' commitment and why it matters

We will listen to your needs, wants
& concerns

so that your investment plan fits your life goals.

We will ask you the right questions

to fully understand your lifestyle and retirement needs so that we properly balance the risk in your portfolio with your expected returns.

We will be transparent

when we explain your investment options, costs and our relationship with suppliers so you can rest assured that we have your best interests at heart.

We will measure your investment performance

so you know how your investments are performing compared to set goals and benchmarks.

We will explain our recommendations in plain language

so you don’t need a finance degree to understand your financial plan.

We will listen to your needs, wants
& concerns

including innovative ideas as they are introduced so you can keep up to date on trends that may affect your portfolio.

You will have the option to review the risks

related to investment returns, retirement income and taxes so you know that your investments are within your comfort zone.

We will fully explain all fees and costs

associated with the implementation of your plan so you’re not left wondering what you’re actually paying.

We will contact you to set regular meetings

to review performance and discuss future planning opportunities so you never have to worry that your plan is not up-to-date.

We will return your call or email promptly

so you can get the answers you need when you need them.

How do I start working with a Financial Advisor?

Step 1:
Book a Discovery Meeting

When investing, it is important to work with an advisor that understands your life goals and how a tailored financial strategy can help you reach them.

The first step is to meet with a Financial Advisor who will discuss your current situation, goals and priorities and, if applicable, review your current investment portfolio and strategy. Our Financial Advisors are available to meet you however is most convenient for you – by phone or video or in-person.

At this meeting, the Financial Advisor will review our investment philosophy and commitment to service. You will need to consent to share information with us in order for us to start building your investment plan.

Book a meeting

Step 2:
Complete an Action Plan

Based on our initial discussion, we will complete an Action Plan. If you wish to proceed, we will fill out the required forms and open your investment account.

Step 3:
Draft Strategy

Your Financial Advisor will present your draft investment or retirement plan and customized investment portfolio, designed to help you reach your financial goals. We will also identify any tax planning or estate planning needs and collaborate with your accountant or lawyer as applicable or upon your request.

Step 4:
Follow up and ongoing review

Once your account and investments are set up, our service does not stop there. We are committed to following up with you regularly, to evaluate the performance of your investment portfolio and review your future needs. So you need never worry that your retirement plan is out-of-date.

Invest with our Wealth Solutions Team

Invest without needing to leave your house.

Invest confidently with a team of investment experts via video and phone – no need to come in to our office.

The Wealth Solutions Team can help you:

  • start your investment journey
  • maintain your investment portfolio
  • get started with digital investing solutions

The whole team works for you.

Our entire team of Wealth Solutions Advisors is at your disposal when you need help with your investments.

Our Wealth Solutions Advisors have the accreditation and expertise to provide you with sound advice and guidance along your wealth journey.

There are multiple ways to reach us:

- Book an appointment online

- Call us at 204-924-4460

- Email us at wealthsolutions@cambrian.mb.ca

Hours: Monday – Friday 9:00 AM – 5:00 PM

What our Wealth Solutions Team offers you

Review mutual fund options

The Wealth Solutions Team will help select the mutual funds that are right for you.

Through our partner, NEI Investments, you can choose from a diversified lineup of Responsible Investing mutual funds that make a positive difference in the world.

Lost or stolen ATM/debit card
  • Log in to Cambrian Online Banking
  • Click the envelope icon
  • Select "Write to Us"
  • Write your message and hit send
Explore online investing solutions

The Wealth Solutions Team can get you started with a digital investing solution:

- Qtrade Guided Portfolios™ will recommend a professionally managed portfolio that reflects your financial goals, timeline and risk tolerance.

- Qtrade Direct Investing™ will give you the right tools to buy and sell stocks, bonds, ETFs and mutual funds yourself, with low trading fees.

Lost or stolen ATM/debit card
  • Log in to Cambrian Online Banking
  • Click the envelope icon
  • Select "Write to Us"
  • Write your message and hit send
Discuss retirement plan & strategies

The Wealth Solutions Team will review your retirement plan with you to determine if you on the right path towards a comfortable and rewarding retirement and recommend investment strategies to get you there.

Lost or stolen ATM/debit card
  • Log in to Cambrian Online Banking
  • Click the envelope icon
  • Select "Write to Us"
  • Write your message and hit send

Our Wealth Solutions Team’s commitment and why it matters.

We will listen to your needs, wants
& concerns

so that your investment plan fits your life goals.

We will ask you the right questions

to fully understand your lifestyle and retirement needs so that we properly balance the risk in your portfolio with your expected returns.

We will be transparent

when we explain your investment options, costs and our relationship with suppliers so you can rest assured that we have your best interests at heart.

We will measure your investment performance

so you know how your investments are performing compared to set goals and benchmarks.

How do I start working with the Wealth Solutions Team?

Step 1:
Book a Discovery Meeting

The first step is to book a meeting with our Wealth Solutions Team. The available advisor will review your situation and goals, and recommend the best solution. Our advisors are available to meet you however is most convenient for you – by video or phone.

Step 2:
Review recommended solution

The Wealth Solutions Advisor will devise the best investment plan for you, based on our Discovery Meeting. If you wish to proceed, we will work together to complete the paperwork and to open your investment account.

Step 3:
Contact us when you need us

There are multiple ways to reach us:

- Book an appointment online

- Call us at 204-924-4460

- Email us at wealthsolutions@cambrian.mb.ca

Hours: Monday – Friday 9:00 AM – 5:00 PM

Frequently
Asked Questions

Do I have to be a Cambrian member to invest with a Financial Advisor or the Wealth Solutions Team?

No, you do not need to be a Cambrian member to invest with a Financial Advisor or the Wealth Solutions Advisors.

Book a meeting with a Financial Advisor