Whether you’re saving for retirement, your child’s education or a special purchase, reaching your goals within reach! Let ACU's experts help you invest your way with a full range of investment options and accounts. Enjoy a personalized approach designed to help you do more with your money.
Access trusted wealth management advice from our experienced and knowledgeable Aviso Wealth advisors, who offer personalized investment guidance tailored to your goals and values in mind. Whether you’re a seasoned investor or just starting out on your wealth journey, Aviso empowers you by giving you the opportunity to invest how you want.
Access trusted wealth management advice from our experienced and knowledgeable Aviso Wealth advisors, who offer personalized investment guidance tailored to your goals and values in mind. Whether you’re a seasoned investor or just starting out on your wealth journey, Aviso empowers you by giving you the opportunity to invest how you want.
Socially responsible investing (SRI), also known as ethical investing, makes a difference and helps bring about positive change in the world.
Our SRI investment dealer and mutual funds dealer, Aviso Wealth, partners with several proven fund companies that employ a number of proven SRI investment strategies:
Our in-branch advisors are here to help with everyday investing and savings needs—like opening GICs, TFSAs, RRSPs, RRIFs and other registered plans. You don’t need to be a seasoned investor or book time with a ACU advisor to get started.
Whether you're looking to pay off debt, save for a home, build an emergency fund, or plan for retirement, we’re here to help you make smart financial decisions that support your goals.
Manage your own investments through our online brokerage partner, Qtrade Direct Investing, a wide range of products including stocks, ETFs, mutual funds, bonds, GICs and other options, which includes:
Access professionally managed mutual fund options with diversified investments to meet your needs and match your values, including socially responsible options. It’s never too early—and easier than you might think—to launch your investment strategy.
A secure investment option with guaranteed interest growth. With a GIC, your original investment and interest are 100% guaranteed. Flexible investment term lengths from 30 days to five years. Competitive interest rates are guaranteed for the full term of your investment.
Invest your money and do good for others. Whether in-branch, through our wealth advisors or our online broker, let your investments reflect your values by choosing from our portfolio of socially responsible investment vehicles and products.
Save for the down payment on your first home, tax-free! Contributions are tax-deductible and withdrawals are tax-free, meaning you won’t pay tax on any interest, dividends or capital gains your investment earns.
Save for a child’s post-secondary education with GICs, mutual funds and other investments—with the federal government matching 20% of your contributions!
Set money aside, watch it grow, and withdraw funds free of tax. TFSAs are a great fit for your goals, investment and savings options.
Save for retirement with a plan that fits your goals. Contributions are tax-deductible and you don’t pay tax on any interest, dividends or capital gains being earned inside your RRSP until you begin to draw from them in retirement. If you’ve earned income and filed a tax return in Canada, you’re eligible to contribute!
Manage your RRSP savings after retirement with the RRIF. Starting by December 31 of the year you turn 72, withdraw as much as you need from your RRIF annually while your balance remains tax-sheltered and continues to grow.
A savings plan to help safeguard the long-term financial security of persons who are eligible for the disability tax credit (DTC). RDSP holders benefit from matched contributions from the federal government and deferred taxes on investment income and capital gains.
The FHSA, TFSA and the RRSP both offer tax efficient savings, but there are key differences, as noted below.
Features |
FHSA |
TFSA |
RRSP |
|---|---|---|---|
| Purpose | Save for down payment | General savings | Save for retirement |
| Tax deductible contribution | |||
| First 60-day contribution provision | |||
| Contribution limit based on earned income | |||
| Spousal contributions allowed | |||
| Qualifying withdrawals impact federal gov't benefits | |||
| Tax-free growth | |||
| Tax-free withdrawals |
Wealth Advisor Aviso Wealth
Wealth Advisor Aviso Wealth
6th floor - 200 Main St
I’m Adam Richard. I provide financial planning and wealth management advice tailored to the needs and priorities of individual members and their families. I’ve been in the financial services industry for over 13 years and at ACU since 2015. For me, and ACU, the success of our members is paramount. I engage every member with a purpose that comes from a deep interest in ethics and interpersonal relationships built on honest interactions. When not working, I focus on my kids who are all are into sports and arts, so that keeps me grounded… and busy. I love to cycle. My brother and I started riding a Gran Fondo each year and have so far been to New York City and Vancouver.
Education and Credentials:
Wealth Advisor Aviso Wealth
Hi, I’m Chryssa Tibig. As a wealth advisor at ACU, I work with members to develop solutions on investments, cash management and estate planning, and strategies to help them reach their financial goals sooner. By learning about members’ specific retirement, education or other goals, I can help them create strategies that balance asset allocation and risk management. In short, my job is all about providing guidance and advice so members can make financial and investment decisions that will help them achieve their goals.
Being relatively new to Canada, I respect and admire ACU’s commitments to values-based banking, community and diversity, equity and inclusion. My husband and I immigrated from the Philippines in 2013 and we have three children — and happy at home is where I most like to be when I’m not advising ACU Wealth members.
Education and Credentials:
Wealth Advisor Aviso Wealth
Hi, I’m Dragos Nina. As a Wealth Advisor, I help members achieve their goals using great planning and execution strategies.
I’ve been in the financial services industry for over 15 years, in progressively more responsible areas at different types of financial institutions. Every day I use my knowledge and experience in wealth, personal banking and commercial banking to help members with complex financial situations, and to grow their wealth. My passion has always been on the investment side, as I am genuinely interested in what’s going on in the market.
I chose ACU for its involvement in the community, and am proud to work for a local, successful company that cares about members and their families — and its employees.
I’m all about family. My wife and I are raising two energetic boys who we believe will change the world for the better. I am Treasurer and board member for my sons’ school and we are all huge fans of the Bombers, Jets, Goldeyes and Valour FC. We also like to travel and create great experiences as a family.
I look forward to working with you to build wealth so you can create great experiences for you and your family.
Education and Credentials:
Wealth Advisor Aviso Wealth
Hi, I’m Greg James. As an ACU Aviso Wealth Advisor, I work with members to help them achieve their financial goals. Whether their focus is on planning for retirement, estate planning, investment and tax planning, or planning for their loved ones through registered education or disability savings, my job is to make them aware of their options and provide advice.
Before joining ACU in 2022, I worked in financial services for 15 years, with TD and RBC, and bring extensive knowledge and experience — in the areas of debt and credit management, credit adjudication, business succession planning, estates and wills, investments, and financial planning — to my day-to-day interactions with members. My goal with each member is to complete a full and complete assessment and help them build their financial plans from there.
I believe in transparency, mutual trust, respect, honesty and taking responsibility for our actions. I am proud to work for ACU, an organization that gives back to the local community in which it operates.
Outside of work, I enjoy spending time with my family, running, keeping abreast of the latest developments in world affairs, and travelling — mostly to the Caribbean to see family.
Education and Credentials:
Wealth Advisor Aviso Wealth
I’m Jane Czuboka. As a Wealth Advisor, I focus on advising members at all life stages, specializing in working with those approaching or already in retirement. I advise on complex planning strategies in retirement including: drawing income from savings, tax efficiencies, investing, estate, and other financial related matters. In addition to being very passionate about financial planning, I practice with great care, compassion, and take a comprehensive approach with our members. I’ve been in the business since 1988 and this long term experience gives me a unique insight into how to best navigate all of our members’ planning considerations.
Education and Credentials:
Wealth Advisor Aviso Wealth
Wealth Advisor Aviso Wealth
Pembina at Bairdmore Branch
I’m Jesse Funk and it’s my job to help members strategize their financial needs and goals in order to make the best plan possible. My aim is to collaborate, guide them, and to follow up with them so we can confirm they remain on track. I’ve been in the financial industry since 2012 and have been with ACU since 2018 as a senior financial advisor with a strong focus on financial, retirement and investment planning. I value human well-being, open dialogue and responsibility. I’ve seen firsthand the impact ACU has on our local community, and am proud that we partner with companies that have similar values. Away from work, I enjoy movies and reading about history, culture, true crime, philosophy and religion. I also enjoy the outdoors and spend time travelling. I spend a lot of time in Central Mexico where I have family. I enjoy playing basketball and am an avid fan of the Milwaukee Bucks of the NBA.
Education and Credentials:
Insurance Specialist - Aviso Insurance / Wealth Advisor - Aviso Wealth
Insurance Specialist - Aviso Insurance / Wealth Advisor - Aviso Wealth
6th floor - 200 Main St
I’m Joshua Henson. I offer life, accident and sickness insurance. I’ve been in the financial services industry since 2003 with TD Canada Trust, Niverville Credit Union, Entegra Credit Union, Castle Mortgage Group, Canadian Western Bank, RBC Royal Bank, and now Aviso Insurance/Aviso Wealth as an insurance specialist and wealth advisor. I bring a depth of knowledge most advisors don’t have. My process is rooted in financial planning fundamentals. I love that ACU is a progressive, socially responsible cooperative. It is important to me that ACU helps a variety of different people and gives back to the community through various programs. I know that ACU cares about the environment and is looking for better ways to do things. Outside of work, I am a former Canadian Chess Champion, I’m a photography enthusiast, I’m married with three children, I love coffee and I’m a total foodie!
Education and Credentials:
Director, Wealth Management Assiniboine Credit Union
Director, Wealth Management Assiniboine Credit Union
6th floor - 200 Main St
I’m Karen Di Quinzio and I look after the Wealth Business at ACU. This includes leadership, strategy, product, training, hiring, compliance and registrations, administration and the member experience from a wealth perspective. I am also the liaison with our mutual fund investment dealer: Aviso Wealth. I have over 25 years of industry experience. I believe everyone is equally important no matter what you do, where you live or what your background is. I want everyone to be educated on the importance of saving, investing and planning for their future. For these reasons, ACU is a great fit for me. Outside of work, I love a variety of sports both watching and playing. I am very active and love to hike, jog, bike and swim. I love nature and a good book or puzzle at the lake on a quiet night is always something I look forward to. And I love, love, love travelling too!
Education and Credentials:
Wealth Compliance and Operation Manager Assiniboine Credit Union
Wealth Compliance and Operation Manager Assiniboine Credit Union
6th floor - 200 Main St
I’m Karen Podgurnycormier. Since 2007 I’ve been in charge of ACU Wealth Compliance, Operations, Registrations and Administrative Support. I personally influence our processes, procedures, disclosure and education pieces to be timely and within our strict business practice and regulation guidelines. My goal is to ensure that our licensed team of Wealth Advisors with Aviso Wealth provides an excellent and consistent member experience, focused on the member's financial goals and comfort level. I listen to concerns and offer solutions to ACU Advisors and our Membership. When not working I enjoy biking, gardening and a good book.
Education and Credentials:
Wealth Advisor Aviso Wealth
I’m Lisa Matwyko. As a Wealth Advisor, I provide advice to help members achieve short and long term financial goals. It takes a lot of number crunching, but I love that part of the job. I’ve been in the financial services industry for 34 years, 22 with Royal Bank and 12 with ACU. My current focus is on planning, working with members to help educate them so they can make better decisions about pension, retirement, RESPs, RDSPs, and mutual funds. I believe in honesty, loyalty, respect for others, taking responsibility, and I believe that trust has to be earned. ACU values - to help and give back to the community - make me feel right at home. Outside of work, I love to relax and enjoy time with family and friends. I spend time at the lake during the summer and take a winter holiday to enjoy some sun.
Education and Credentials:
Wealth Advisor Aviso Wealth
Wealth Advisor Aviso Wealth
St. Vital Branch
I’m Mike Tarabalka. As a Senior Financial Advisor I provide investment advice and financial planning to help our members realize their dreams. I’ve been an advisor since 1990, starting with Rice Financial, CIBC and now ACU. My experience is probably the single most important thing I bring to the table. That, and really caring about doing what is the best for the needs of our members. I love helping people with some of the most important decisions in life, guiding them through the process and recommending the services and products to help get them where they want to be. I believe in treating people honestly and sincerely listening to them. Because of these beliefs, there is no better place for me to work than at ACU. I like cycling and motorcycles. Basically, if it has two wheels, I’m on it. I also love to scuba dive and taking care of my dogs.
Education and Credentials:
Senior Investment Advisor Aviso Wealth
Senior Investment Advisor Aviso Wealth
6th floor - 200 Main Street
I’m Robert Rusak. I provide financial peace of mind by spending time with members and learning about what’s important to them. Whether it’s saving for an important goal such as retirement, helping their children pursue education, or legacy planning, I want to understand where people want to go, and then put together an achievable plan to help get them there. I’ve been in the industry since 2004 at Royal Bank, CIBC and now at Assiniboine. Family and community are very important to me. ACU is aligned to these values as an organization that helps build stronger communities for the benefit of all. Outside of work, my wife and I have two children and we keep busy with their active schedules including hockey and dancing. We love to travel and also spend a lot of time at our family cottage in the summer. I play hockey and like to stay active through running and going to the gym.
Education and Credentials:
Insurance Specialist / Senior Investment Advisor Aviso Insurance / Aviso Wealth
Insurance Specialist / Senior Investment Advisor Aviso Insurance / Aviso Wealth
6th floor - 200 Main St
I’m Ryan Fontaine. I have over 20 years’ experience in the financial services industry as a Financial Advisor. I specialize in the development of customized income planning strategies that help our members maintain their lifestyle into their retirement years. I have worked mainly with pre-retired and retired members, and have a strong focus on income and tax planning. I understand the importance of building and preserving wealth for later years, or future generations. I like to feel connected to my community, based on the decisions I make outside of work, and I appreciate working for an institution that values community, and connects to the community we belong to. I’m a busy parent with two kids active in sports. I’m involved in their development having acted as minor league coach for each of them in their various sporting activities. I’m a cottage owner and love fishing at the lake. I like to unwind with building and maintenance projects at home and at the cottage.
Education and Credentials:
Senior Investment Advisor Aviso Wealth
Senior Investment Advisor Aviso Wealth
6th floor - 200 Main St
I’m Victor Lopes. I specialize in financial planning and investment advice for members looking for guidance with their investment and retirement decisions. I give them peace of mind knowing that a qualified and trustworthy partner is working alongside of them every step of the way. I have over 20 years’ experience in the financial services industry between ACU and TD. I value the relationships we have with our members, and that’s what I love about ACU. Just like me, they make the member their first priority, and their decisions as an institution are always arrived at with the member’s best interest in mind. I love to spend time with my wife and son, as well as volunteer at my cultural pavilion which I have participated in for over 40 years.
Education and Credentials:
Whether you’re looking for ways to plan for retirement or save for your first home, our in-branch financial advisors are here to make sure your investments are working for you. Through a financial health check-up, we’ll talk through your goals and recommend the products to help get you there.
For members looking for more in-depth wealth management services, our team of ACU Aviso Wealth advisors offer a more personalized, complete approach to financial planning, including investment management, estate and tax planning, insurance options and retirement strategies.
Yes! Your ACU Aviso Wealth advisor can help you explore a wide range of product choices, including mutual funds, equities, bonds, ETFs and GICs, to find the options that best suit your needs.
ACU wealth management advisors have the Responsible Investment Specialist (RIS) designation, which means they can also offer members a heavily vetted portfolio of socially responsible investment vehicles and products—and they have a deep understanding of the markets.
For do-it-yourself trading options, buy and sell stocks, bonds, ETFs and mutual funds through our online brokerage partner, Qtrade Direct Investing™ or access Qtrade Guided Portfolios®,, an easy-to-use automated solution.
Whether you're looking for more information or need guidance on your next financial move, our team is ready to support you. Reach out and let us know how we can assist.
*Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.
Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.
