Financial Advice

Our approach to financial advice puts your needs first.
Our advisors are not paid commissions and are here
to help through each of life's stages.

We can help you with a wide variety of your financial needs, including:

  • Life Insurance*
  • Mutual Funds and Securities (Stocks and Bonds)**
  • Disability, Critical Illness and Long Term Care Insurance*
  • Registered Savings Plans (including self-directed)
  • Segregated Funds*
  • Pension Fund Transfers

*WLD Financial Services Ltd. is a subsidiary of Williams Lake and District Credit Union
offering financial planning, life insurance and investments.

**Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds before investing. Unless otherwise stated, mutual funds and other securities are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities is a registered mark owned by Aviso Wealth Inc.

Meet our Team

Craig Glover, MBA, CFP®, CIM®, PFP

Financial Planner, Credential Securities
Manager of Financial Planning
Insurance Advisor - WLD Financial Services Ltd.

Abigail King

Investment Specialist
Credential Asset Management Inc.
Williams Lake and District Credit Union

Brandy Gruening, RIS

Investment Specialist
Credential Asset Management Inc.
Williams Lake and District Credit Union

Steve Taylor

Investment Specialist
Credential Asset Management Inc.
Williams Lake and District Credit Union

Knowing that you're protected for the unexpected can help you
achieve your dreams.

Our licensed insurance advisor with WLD Financial Services Ltd. will take the time to ask the right questions to help you choose the right coverage and will fully explain your policies up front to avoid any surprises. 

WLD Financial Services Ltd. is a subsidiary of Williams Lake and District Credit Union
offering financial planning, life insurance and investments.

Thinking about why you need life insurance can be distressing. Yet it is one of the most responsible decisions you can make. Having the right amount of life insurance protection will provide your family with a financially secure future. At WLD Financial Services Ltd. we provide an array of life insurance options.

Term Insurance

Term life insurance is designed to provide you with insurance protection for a set period of time at an affordable price. It provides your beneficiaries with the amount specified in your policy, tax-free, if you pass away while the policy is in force. There are many terms and benefit amounts available; we will help you determine what best meets your needs.

Whole (permanent) Life Insurance

Whole (or permanent) life insurance is designed to provide insurance protection for your entire lifetime. The premiums are fixed at the time you take out the policy, and your beneficiaries will receive the full amount you're insured for. What's more, because the benefit is tax-free, it can be an effective way to protect your estate - and your beneficiaries.

Universal Life Insurance

To protect your family and invest for your future, consider universal life policies. Combining permanent life insurance protection with a flexible portfolio of investment options - all customized to your financial needs and aligned with your risk tolerance - universal life insurance is the most flexible coverage available today. Your plan can be customized when you buy it, and you can make changes later on. This plan offers you the opportunity for tax-advantaged investing, increasing your wealth by investing money within your policy.

Disability, long-term care and critical illness insurance products are designed to help you protect you, your family, and your way of life from the effects of a disabling illness or injury.

Disability Insurance

Disability insurance helps provide replacement income if you are unable to work because of sickness or injury. Disability insurance can help replace lost income, subsidize living expenses while you are unable to work and, most importantly, provide security for your family. Benefits are calculated as a percentage of your usual salary and are tax free.

Disability insurance allows you to choose from several options including:

  • The monthly income you receive while on disability

  • You can receive disability benefits from 2 years to the age of 70

  • The waiting period before your first payment

  • Top-up benefits if you are unable to perform your old job but can still work in another role

  • Cost of living option to insure that your benefits keep pace with cost of living increases

There are many different disability insurance options available. One of our Financial Planners can help you determine the coverage that's right for you.

Critical Illness Coverage

More and more people recover from critical illness these days. But treating and coping with that illness can involve significant costs. Critical illness coverage is there for you when you need it most. Critical illness insurance can help you deal with the unexpected costs of an illness and get started on recovery as soon as possible.

Long-term Care

No one plans to become disabled. But if it does happen, either as a result of an accident or old age, it's reassuring to know you have long-term insurance. We can help you choose a plan to cover home care, facility care or both. You also have extensive flexibility in how you design your plan, so you can enjoy the best care at a price you can afford.

Even precisely planned vacations can be interrupted by delays and emergencies which can disrupt your itinerary and cost you a lot of money. Protect your family assets and ensure peace of mind while you travel. With our travel insurance program, your rate is based on where you plan to travel, the duration of your trip and your age.


  • $5 million coverage on excess hospital, medical and dental expenses

  • Comprehensive medical support with 24/7 access to emergency assistance, anywhere in the world

  • Transportation home when medically required and access to a medical professional who can coordinate your medical care

  • Necessary lab tests, x-rays and prescription drugs

  • Qualified claims staff to assist you in case of sudden illness or accident

  • If you travel frequently, the CUMIS Insurance Travel Program has a policy that covers all trips throughout the year

  • Optional plans include trip interruption, accidental death and dismemberment, and air flight accident insurance

  • There are no pre-existing condition exclusions if you are under 71 years of age and traveling for 35 days or less, as long as no other exclusions apply

Note: Some products have more underwriting qualifications than others. Call for complete details.

CUMIS Travel Insurance Program is underwritten by Co-operators Life Insurance Company and administered by TIC Travel Insurance Coordinators Ltd. For more information, please visit your credit union or call TIC at 1-877-885-2847.

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