Search
This month's featured advisors:
Danielle Janzen
Steve Hildebrand
Book a Meeting 
Clear Answers for Smart Wealth Management
Access Credit Union offers a full range of wealth management services designed to help you grow and protect your money including financial planning, investment advice, retirement planning, tax strategies, and estate planning.
Through a partnership with Aviso Wealth, members can access a wide range of investment solutions and personalized advice tailored to their goals and financial situation.
Access Credit Union offers a full range of wealth management services designed to help you grow and protect your money including financial planning, investment advice, retirement planning, tax strategies, and estate planning.
Through a partnership with Aviso Wealth, members can access a wide range of investment solutions and personalized advice tailored to their goals and financial situation.
What types of investment accounts can I open?
You can choose from a variety of registered and non-registered investment accounts, including:
- Registered Retirement Savings Plans (RRSPs)
- Tax-Free Savings Accounts (TFSAs)
- Registered Retirement Income Funds (RRIFs)
- Registered Education Savings Plans (RESPs)
- Non-registered investment accounts
- LIRAs and LIFS
- FHSAs
- RDSPs
These accounts can hold investments like GICs, mutual funds, stocks, bonds, and ETFs.
Access Credit Union Wealth Advisors work with members at all stages, from building savings to planning retirement. They provide personalized guidance based on your goals, risk tolerance, and financial situation.
But if you prefer to manage your own portfolio, Access offers services through Qtrade. Qtrade is an online investing platform that lets you buy and sell investments like stocks, ETFs, mutual funds, bonds, and more. Through Access Credit Union’s partnership with Qtrade Direct Investing®, you can manage your investments yourself using an easy-to-use digital platform with research tools and guidance.
Access wealth management gives you access to professional financial advice and planning services through your local Access Credit Union branch. You’ll work with a Financial Advisor, Wealth Advisor, or Investment Specialist to build a personalized plan based on your goals and overall financial situation.
If you’re not sure what the right option is for you, reach out to us! We’re happy to help!
Wealth planning starts with understanding your current financial situation and goals. Advisors help you create a personalized plan that may include:
- Cash flow and budgeting strategies
- Investment planning
- Retirement planning
- Tax-efficient strategies
- Estate and legacy planning
This big-picture approach helps ensure all parts of your financial life work together.
Qtrade is designed for all experience levels—whether you’re just getting started or already comfortable investing. It offers tools, insights, and support to help you make informed investment decisions at your own pace.
Socially responsible investing (SRI) allows you to invest in companies and funds that align with your values, such as environmental sustainability or community impact.
Access Credit Union offers SRI options so you can grow your wealth while supporting causes you care about.
Are investment services available online or in-branch?
Both! You can work with a wealth advisor in-branch, via phone, or via virtual meeting. You can also choose digital investing options through Qtrade’s online platforms.
Protection varies by product. Traditional deposit products, including savings accounts and GICs, are 100% guaranteed without limit by the Deposit Guarantee Corporation of Manitoba (DGCM).
This provides added security for savings accounts, GICs, and eligible registered products.
Access Credit Union offers:
- Local, Manitoba-based advice
- Personalized financial planning
- A full range of investment options
- Guidance tailored to your goals and values
As a member-owned organization, the focus is on helping members achieve long-term financial well-being.
No! Our wealth advisory services are designed for both new and experienced investors. If you’re just getting started, an advisor can guide you through your options and help you build a plan. If you have more experience, you’ll benefit from advanced tools, insights, and investment strategies.
Whether you prefer working with an advisor or managing your own investments, we offer options to support every level of investor.
James Funk
Senior Wealth Advisor
Kevin Gavigan
Wealth Advisor
Wil Montgomery
Wealth Advisor
Bill North
Wealth Advisor
Fran Diogo
Wealth Advisor
Certifications:
- Certified General Accountant (CGA) 1993
- CERTIFIED FINANCIAL PLANNER® (CFP®) 1998
- Credential Wealth Consultant 2011
With a passion for details and numbers, James wanted to be an accountant from a young age. He is proud of earning his CGA designation and all the doors it has opened for him. After working as an accountant for a number of years, James took his passion for finances into the world of financial planning. James takes a personal approach to financial planning, based on trust and integrity. He believes all long-term business relationships should be built on reliability and honesty.
James realized that by helping people plan early on, he could help them prevent problems later in life. Financial planning is an important piece of every individual’s life but is often overlooked. James has seen the benefits of a sound financial plan, and the peace of mind it brings to people. He wants each of his clients to be prepared for anything. “What works for someone else won’t necessarily work for you. That’s why it’s important to go to a professional,” he says. With James, clients can expect to receive ongoing comprehensive financial planning advice with a specialized focus on retirement planning.
James enjoys volunteering in his community. He loves the outdoors and spends time managing a hockey league, and maintaining an ice-rink in his backyard.
James knows the importance of listening carefully to his clients to better understand their needs. This helps him find solutions that fit comfortably into his clients’ lives.
Certifications:
- Branch Managers Examination Course 2011
Kevin’s greatest strength is his ability to listen and understand. This desire to be considerate has carried him across fields of work and across oceans to where he is today. “Everyone has a different story, which I love to hear about,” he states. Kevin’s approach to improving the lives of those he works with, is about making recommendations and providing advice.
Over the course of his career Kevin has worked in many capacities, gaining diverse knowledge including four years as a branch manager with one of the big banks. Kevin’s experience in the financial services sector has equipped him well to deal with all aspects of individuals’ financial plans. One thing he would advise is to prepare for retirement. “Deal with it every day and don’t procrastinate.” From his travels he has also learned the importance of respecting everybody and valuing their views.
Kevin is satisfied if he knows he’s been productive. A full day of work, keeping physically and mentally fit, and spending time with his wife and two boys make it a great day. A long journey has brought Kevin from Ireland to the financial world of southern Manitoba. He looks forward to sharing his culture with the community alongside his growing family.
“Mutual funds provide our members with the ability to pool their funds in a professionally managed portfolio of investments. They can be purchased in a lump sum or gradually over time with a pre-authorized contribution plan.”
Certifications:
- Professional Financial Planning Course 2008
- CERTIFIED FINANCIAL PLANNER® (CFP®) 2009
- Wealth Consultant Designation 2011
- Advanced Retirement Management Strategies 2013
Whether it’s coaching kids in hockey or guiding clients on how to make sound investments, Wil loves helping people reach their goals. He enjoys the opportunity to help clients of every life stage with their specific issues and challenges and seeing them succeed. A commitment to professionalism and the cooperative development of unique, personal goals forms the foundation of any strong financial plan.
“You can’t have one template for everyone,” he says. “ A cornerstone of financial planning is the recognition that everyone’s economic and life situation is unique”. A financial plan must reflect the stage of life its owner is in: whether purchasing a first home, financing a child’s college education or planning for retirement. A plan must reflect its owner’s personal or business situation, and highlight those financial products that best fit it. A custom-tailored financial plan must also be continually reviewed to measure its achievements against stated aims, and ensure the owner is comfortable everything is moving forward according to plan. He keeps the client’s objectives in focus, staying in contact with them throughout the process and making adjustments as economic or lifestyle conditions warrant.
Wil and his family love to spend time outdoors and staying active. He enjoys backpacking through the mountains, and volunteering in his community.
“Your retirement plan should provide direction, clarity and peace of mind. Ask Wil how a retirement plan can benefit you.”
Certifications:
- Registered Mutual Funds Investment Specialist with Credential Asset Management Inc.
Bill is passionate about financial planning and being able to help his clients achieve their goals and sleep better at night knowing that they are being taken care of with sound advice. Asking clients about their goals and concerns and then completing a financial plan that looks at all areas of a client’s finances is the key. Bill believes that comprehensive financial planning is not a one size fits all and tailors his strategies to fit the needs of all clients, from the novice investor just starting out to the more complex investor.
Community involvement is paramount to Bill and he believes in the importance of giving back to the community where he has lived and worked for most of his life. When not golfing and curling Bill is an avid fisherman that enjoys family time on the water.
Certifications:
- Wealth Management Essentials 2014
- Canadian Securities Course 2014
- Chartered Life Underwriter (CLU®) 2018
- Certified Financial Planner (CFP®) 2017
They love to explore the southeast and are active participants in the community where they have experienced such a warm welcome from everyone they’ve met!
Financial planning and wealth management have always been a passion for Fran and she brings many years of experience in investments and financial planning. While dealing with a varying degree of clients ranging from beginning investors starting to contribute to RRSPs and RESPs to the more advanced investor who requires advice on how their investments portfolios will create a retirement income, she has focused on providing personalized service that meets the needs of her clients today and tomorrow.
Aside from helping clients and pursuing ongoing continued education in the financial industry, Fran enjoys spending her time outdoors camping with her family and her huge St. Bernard/ Mastiff dog. Running and relaxing with a good book are also on the top of her list.
Jeffrey Klassen
(MFA), Investment Advisor
Sheri Oakes
Coordinator
The strong family values instilled in him during his childhood on a farm in southern Manitoba have helped Jeffery build relationships and understand the issues that resonate with the people he serves. Today he is very active in the community, and is presently leading a chapter of Compassionate Friends of Canada for the Pembina Valley region. His past volunteer activities include sitting on the Morden & District Chamber of Commerce as well as the board of the Canadian Fossil Discovery Centre.
