Investing that fits
Because the right plan changes everything.
Finding the right financial plan isn't about forcing something to work. It's about finding the right fit. We create tailored plans that support your needs today and prepare you for tomorrow.
We help individuals, families, and business owners shape financial plans that fit their retirement goals, income needs, and lifestyle.
Why Choose LDCU Financial Management?
Member-First Advice
Your goals, values, and long-term security come before sales targets or commissions.
Local Expertise
Advisors who live and work in your community and understand what matters to you.
Transparent, Straightforward Guidance
No pressure, no jargon — just clear steps toward your financial future.
Planning for Real Life
Whether you’re starting out, growing your wealth, or preparing for retirement, we help you build a plan that fits your life.
Established & Trusted
LDCU has proudly served the community since 1944.
How We Help
Explore investment options that fit your goals and the level of support you prefer. Choose Your Way to Invest;
Mutual Funds & Managed Portfolios
Professional, diversified options guided by experienced advisors.
ETFs & Term Deposits (GICs)
Stable, accessible choices for different goals and comfort levels.
Advisor-Guided Investing
Work directly with an advisor for personalized support.
Our Service Categories
INVESTING
Investment Services and Strategies
Your investment plan is customized to your goals and risk profile, built with diversified, best-in-class solutions, and continually monitored to keep you on track.
Responsible / ESG Investing
Options for aligning your investment strategy with environmental, social, and governance priorities.
Retirement Planning & Income Strategies
Develop a retirement plan that maximizes today’s opportunities while creating sustainable, reliable income for your future lifestyle.
Cash Flow & Savings Strategies
Guidance to strengthen everyday financial health, improve savings habits, and manage spending with confidence.
PLANNING
Financial & Life-Stage Planning
Support for major financial milestones—home ownership, education savings, family transitions, career changes, and evolving personal goals.
Tax Planning
Every aspect of your wealth plan has tax implications. We identify opportunities to minimize tax, enhance after-tax returns, and structure your finances efficiently.
Estate & Legacy Planning
Ensure your wealth is transferred smoothly and according to your wishes with strategic planning that supports your family, beneficiaries, and long-term legacy.
Business Owner & Professional Planning
Specialized strategies for business owners and incorporated professionals, including tax-efficient structures, compensation planning, and succession guidance.
Charitable Giving
Integrate your charitable priorities into your wealth strategy so your resources and values create meaningful, lasting impact.
PROTECTION
Risk Management and Insurance
Working with your advisor, we design strategies that protect your family, income, and long-term financial security through thoughtful risk management and insurance planning.
Mutual fund solutions are offered through LDCU Financial Management Ltd., a subsidiary of LDCU, and are distributed through Aviso Wealth.
LDCU — proudly serving the community since 1944.
