A n n ual Services to Seniors, How may I help...
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In overall Customer Service Excellence 11 years in a row! SVCU Board of Directors Executive Brian Cotton President [email protected] 204.734.2698 Ferlin Abrahamson 1st Vice-President [email protected] 204.236.4273 Ken Treasure 2nd Vice-President [email protected] 204.734.2823 Directors Elisabeth Archambault [email protected] 204.525.2346 Lee Friesen-Alford [email protected] 204.734-4665 Ken Kokot [email protected] 204.281.0922 Marvin Kovachik [email protected] 204.569.4863 Barb Lewis [email protected] 204.734.3833 Kim Pierce [email protected] 204.539.2099 FALL 2015 Join us on October 15th, 2015 as Swan Valley Credit Union presents Chris Reimer, CGA, CA, CFP, MNP & K. Rhodel Ferriss, BA, LLB, Ferriss Law - Barrister, Solicitor & Notary Public Tax Tips & Traps Learn about some oſten overlooked tips & traps that will help keep more of your hard earned money & assist you in making wise investment choices. The Role of an Executor Inheritance Wars (family feuds over “unclear” intentions) Joint Accounts vs. Power of Aorney & Closing Costs of a Purchase & Mortgage Looking for the tools to navigate your way to financial success? The Best Amateur Country Music Talent Talent Stage of 2015 Manitoba Area Parkland Credit Unions and Swan Valley Credit Union for donating $4,000 in cash prizes! Swan Valley Local Businesses for donating over $1,500 in gift certificates for our contestants! Schayna Scherbey Ituna, SK $1,500 Thank you to our Sponsors Grand FinaleWinner Check us out on-line at www.svcu.mb.ca How may I help you? How about a Career..... Looking for a job? Join our team today! Building a better future with you In overall Customer Service Excellence 11 years in a row! 2015 Ipsos® Best Banking Awards. Congratulations to Association for Community Living & Services to Seniors, presenting Brian Cotton, SVCU Board President Their title is MSR or Member Services Representative, but I am thinking you know them better as Marilyn, Kim, Viola, Tracey or Amanda, just to name a few of our 18 MSR’s. Chances are they know you by name, know a little bit about your family and more importantly have been listening to what your needs are. That one on one relationship is important to SVCU and best signifies the founding principles of our credit union. For this reason MSR’s have one of the most important roles in our organization. Handling the responsibilities of the front line comes with both education and training. MSR’s are continuously upgrading to keep up with changing markets and technology. They are responsible for having a knowledge base on all products and services offered by SVCU. This allows our MSR’s to work with our members to provide guidance on a range of topics from fraud to credit card options, investments such as GIC’s, Term deposits and RRSPs as well as estate and retirement planning. This training and knowledge also helps them to safeguard your privacy, including your personal information and your identity. Our MSR’s are an important resource for our members and as front line staff are best equipped to guide and advise a member through any financial transaction or experience. Whether it is a question, comment or a concern, take the time to start a conversation with one of our MSR’s. They would love to open up the door of financial opportunity with you! The knowledge and experience that you can gain in this position can lead to some excellent career opportunities within the Credit Union. Several senior and junior staff at SVCU started out in an MSR position and would be quick to share how invaluable that experience was in moving them forward into the career they have now. Former MSR’s: Caroline Willis - Credit Administration Supervisor, Craig Zamzow - Chief Operations Officer, Blaine Campbell - Chief Lending Officer, Roxanne Schneider - Manager Personal Financial Services, Crystal Moncrief - Financial Services Officer, Gwen Colbert - Financial Services Officer, Kandace Hart - Financial Services Officer
Transcript of A n n ual Services to Seniors, How may I help...
In overall Customer Service Excellence
11 years in a row!
SVCUBoard of Directors
ExecutiveBrian Cotton
204.734.2698Ferlin Abrahamson1st Vice-President
Ken Treasure2nd [email protected]
204.734.2823
DirectorsElisabeth Archambault
204.734-4665Ken Kokot
Marvin [email protected]
204.569.4863Barb Lewis
[email protected] Pierce
F
ALL
201
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Join us on October 15th, 2015 as Swan Valley Credit Union presentsChris Reimer, CGA, CA, CFP, MNP
&K. Rhodel Ferriss, BA, LLB, Ferriss Law - Barrister, Solicitor & Notary Public
Tax Tips & TrapsLearn about some often overlooked tips & traps that will help keep more of your
hard earned money & assist you in making wise investment choices.
The Role of an Executor Inheritance Wars (family feuds over “unclear” intentions)
Joint Accounts vs. Power of Attorney & Closing Costs of a Purchase & Mortgage
Looking for the tools to navigate your way to financial success?
The Best Amateur
Country Music Talent
Talent Stage
of 2015
Manitoba Area Parkland Credit Unions and Swan Valley Credit Union for
donating $4,000 in cash prizes! Swan Valley Local Businesses for
donating over $1,500 in gift certificates for our contestants!
Schayna ScherbeyItuna, SK$1,500
Thank you to our Sponsors
Annual
Beef on a BunBuilding a better future with you
Grand FinaleWinner
Check us out on-line atwww.svcu.mb.ca
How may I help you?
How about a Career.....Please send your resume to:
Coleen CableHuman Resources Manager
PO Drawer 1510Swan River, Manitoba R0L 1Z0 oremail [email protected]
Looking for a job?
Join our team today!
Building a better future with you
#1In overall
Customer Service Excellence 11 years in a row!
2015 Ipsos® Best Banking Awards.
Congratulations to Association for Community Living &
Services to Seniors, presenting
Brian Cotton, SVCU Board President
Thank you to the Swan Valley for once again supporting our community!
Their title is MSR or Member Services Representative, but I am thinking you know them better as Marilyn, Kim, Viola, Tracey or Amanda, just to name a few of our 18 MSR’s. Chances are they know you by name, know a little bit about your family and more importantly have been listening to what your needs are. That one on one relationship is important to SVCU and best signifies the founding principles of our credit union. For this reason MSR’s have one of the most important roles in our organization.
Handling the responsibilities of the front line comes with both education and training. MSR’s are continuously upgrading to keep up with changing markets and technology. They are responsible for having a knowledge base on all products and services offered by SVCU. This allows our MSR’s to work with our members to provide guidance on a range of topics from fraud to credit card options, investments such as GIC’s, Term deposits and RRSPs as well as estate and retirement planning. This training and knowledge also helps them to safeguard your privacy, including your personal information and your identity.
Our MSR’s are an important resource for our members and as front line staff are best equipped to guide and advise a member through any financial transaction or experience. Whether it is a question, comment or a concern, take the time to start a conversation with one of our MSR’s. They would love to open up the door of financial opportunity with you!
The knowledge and experience that you can gain in this position can lead to some excellent career opportunities within the Credit Union. Several senior and junior staff at SVCU started out in an MSR position and would be quick to share how invaluable that experience was in moving them forward into the career they have now. Former MSR’s:
Caroline Willis - Credit Administration Supervisor, Craig Zamzow - Chief Operations Officer, Blaine Campbell - Chief Lending Officer, Roxanne Schneider - Manager Personal Financial Services, Crystal Moncrief - Financial Services Officer, Gwen Colbert - Financial Services Officer, Kandace Hart - Financial Services Officer
Market Reviewwith Margaret Dunn & Kandace Hart
What’s going on?
What should I do?
How can we help?
With over 35 years of financial services experience, Margaret Dunn is a Wealth Services Manager with Swan Valley Credit Union and an Investment Specialist with Credential Asset Management Inc.Tel. 204.734.6847 email: [email protected]
Kandace Hart is a Financial Services Officer with Swan Valley Credit Union and a Mutual Funds Investment Specialist with Credential Asset Management Inc.Tel. 204.734.6833 email: [email protected]
Like many Canadian investors, you are likely asking “What is happening in today’s markets”? With all the noise in the media about the price of oil, Europe, Asia and interest rates in North America, among many other factors, it can be difficult to determine who to listen to and how to react.
The good news is that this is nothing new. We have seen many different events affect the markets in the past; downturns are a normal part of investment history. When we take into account the last 65 years, markets historically rise and fall and then recover to a better position than they were at before. This gives the patient investor the opportunity to realize even greater gains.
Making regular contributions to your investments allows you to take advantage of the market’s volatility (a.k.a Dollar Cost Averaging) and avoid “timing the market”. We do not have a crystal ball to predict exactly when the market will rise and fall. By making monthly contributions you can reduce the risk of buying high and selling low. If you are in the stage of life where you are drawing on your investments, make withdrawals from your investments on a monthly basis instead of an annual payment.
Ensure that your portfolio includes a mixture of asset classes: stocks, bonds and money market instruments. Look to include different geographic locations, market sectors and investment styles that suit your specific risk tolerance, investment objectives and time frame. No two investors are the same. Diversification is an ongoing process that should be reviewed on a regular basis.
Keep in mind that investments are a long term relationship. All portfolios will need adjustments from time to time. Make deliberate changes with a long term perspective. Wealth is accumulated over time, not overnight.
Take advantage of volatility Diversification Act, don’t react
When markets are down and you have concerns, give us a call. Together we can review information to help you understand the current situation and discuss your portfolio to ensure you are properly positioned for the existing market landscape.
Let us sit down and look at your original investment objectives to make sure you are on track, or update your goals if they have changed. If you have other investments elsewhere, bring in your statements. We can take a look at your entire financial picture and make sure you are headed in the right direction.
Building a solid foundation with a trusted advisor is important to your success. Having an advisor to review your investments on a regular basis and support you through the market’s volatility puts you in the best position to accumulate wealth.
Give us a call Come in for a review Trust
www.svcu.mb.caMutual funds are offered through Credential Asset Management Inc. The information contained in this report was obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete.
This report is provided as a general source of information and should not be considered personal investment advice or solicitation to buy or sell mutual funds.
