Connect to Member Support Services
Vulnerable Member Support
We are committed to identifying and supporting members who may be at greater risk of financial harm. Our approach is built on care, respect, and proactive protection.
How We Support You
- Trained Staff Our team is trained to recognize signs of vulnerability and respond with empathy, patience, and understanding.
- Personalized Assistance We take extra time to ensure information is clear and that you feel confident in your financial decisions.
- Enhanced Protection Measures Safeguards are in place to detect and escalate potential financial abuse or exploitation.
- Accessible Services We offer flexible options, including alternative communication methods and private appointments, to meet your needs.
Our Commitment
We are dedicated to providing safe, fair, and compassionate banking services that protect the financial well‑being of all members—especially those who need additional support.
Estate Planning
Getting Your Affairs in Order
Planning ahead can help protect your assets, reduce stress for your loved ones, and ensure your wishes are carried out. Estate planning isn’t just for the wealthy… everyone can benefit from having a plan in place. A well-prepared estate plan can:
- Reduce taxes and expenses
- Simplify the transfer of assets to your beneficiaries
- Help protect your loved ones
- Provide clarity and peace of mind
What to Consider in Your Estate Plan
While a Will is important, a complete estate plan may also include:
- A valid and up-to-date Will
- Power of Attorney (POA) for financial and personal decisions
- Beneficiary designations on registered plans and insurance
- Review of asset ownership (joint vs. individual)
- Insurance coverage to protect your estate
- Planning for tax implications at death
- Consideration of trusts or charitable giving
- Pre-planned funeral arrangements
6 Simple Steps to Get Started
1. Take Inventory List your assets and liabilities, including:
- Property, bank accounts, and investments
- Insurance policies and pensions
- Personal assets (vehicles, valuables, etc.)
- Debts (mortgage, loans, credit cards)
- Also note where important documents are stored (Will, POA, insurance, etc.).
2. Define Your Goals Think about:
- Who you want to inherit your assets
- How and when they should receive them
- Any support you want to provide to family members
- Whether you want to include charitable giving
3. Review Your Financial Situation Consider how your goals align with your current finances, including:
- Taxes and potential costs
- Inflation over time
- Legal requirements
4. Create a Plan Determine the steps needed to meet your goals, such as:
- Creating or updating your Will
- Adjusting beneficiary designations
- Reviewing ownership of assets
- Exploring insurance or trust options
5. Work with Professionals An effective estate plan often involves guidance from:
- A lawyer or notary
- A financial advisor
- A tax professional
They can help ensure everything is set up correctly.
6. Review Regularly Update your plan as your life changes, such as:
- Marriage, divorce, or new children
- Changes in financial situation
- Updates to laws or regulations
Our Approach
We’re here to help make estate planning clear and manageable. While each situation is unique, taking proactive steps today can make a meaningful difference for you and your loved ones tomorrow.
Connect to our Affiliates
We have collected some links to web sites* that we think will help you.
*Links to other websites are provided to assist you in finding information and as a convenience to our members. These links are not endorsements of any products or services on these sites, and no information on these sites has been endorsed or approved by The Energy Credit Union Limited.
