CU Financial Management is offering a cash back reward bonus from August 1st, 2025, to Dec 31st, 2025, for select former clients, subject to the satisfaction in CU Financial Management’s sole discretion, of the eligibility criteria set forth in these terms and conditions.
1. CU Financial Management clients who have achieved the age of majority in Canada.
2. Registered and non-registered cash, investments, or a combination thereof (“New Assets”) must be transferred into a new or existing investment account at Aviso Wealth (collectively, the “Qualifying Accounts”) from an investment firm account outside of CU Financial Management, Aviso Wealth and Qtrade Direct Investing. Options, personal mortgages, units of limited partnerships or securities not listed on a recognized exchange or quoted on a recognized quotation or trade reporting system or other market recognized by CU Financial Management cannot be transferred in as New Assets.
3. The transfer of New Assets from an investment firm into a Qualifying Account must be initiated no earlier than August 1st, 2025 at 9:00 a.m. Atlantic time (the specific date of transfer is referred to as the “Transfer-In Date”), and no later than Dec 31st, 2025 at 4:00 p.m. Atlantic time.
4. New Assets must be received into a Qualifying Account no later than 4:00 p.m. Atlantic, time on March 31, 2026. The assets must remain in the qualifying account until June 30th, 2026, and Bonus Points Offer will be paid after June 30th, 2026). Qualifying Investments are all investments held in a Qualifying Account other than Non-Qualifying Investments. Non- Qualifying Investments include the following: cash, money market funds, premium savings accounts, GICs, options, personal mortgages, fixed-income securities with a duration of less than six months, shares of CCPCs, units of limited partnerships, or securities that are not listed on a recognized exchange or quoted on a recognized quotation or trade reporting system or other market recognized by CU Financial Management in its sole discretion (collectively, “Non-Qualifying Investments”).
5. Qualifying Investments must have a minimum market value of $25,000 per type of qualifying account held at Aviso Wealth, as determined by the valuation method set forth herein.
6. Qualifying Accounts can be (a) registered retirement savings plan accounts; (b) spousal registered retirement savings plan accounts; © locked-in registered retirement savings plan accounts; (d) registered retirement income fund accounts; (e) spousal registered retirement income fund accounts; (f) life income fund accounts; (g) tax free savings accounts; (h) non-registered accounts; (i) registered education savings plan accounts; (j) registered disability savings plan accounts. New contributions to existing registered retirement savings plan accounts and tax free savings accounts are also eligible for this offer provided that the contribution funds come from an investment firm account outside of CU Financial Management, Aviso Wealth and Qtrade Direct Investing.
Valuation and Payment
7. At the time of receiving the Bonus cash back offer the Member must be a resident of Canada.
8. The valuation of Qualifying Investments will be based on their market value as of 4:00 p.m. Atlantic, Canada time on the Transfer-In Date. If New Assets are transferred in over more than one day, the value for all Qualifying Investments will be based on the date the last New Asset arrived.
9. The amount of cashback paid will be 1% of transferred assets or deposited. Offer will be based on the market value of the Qualifying Investments provided the Net Qualifying Investments are $25,000.00 or more, rounded to the nearest $100. The maximum bonus payable is $1,000
12. U.S. dollar accounts will be converted at prescribed rates in effect at Aviso Wealth as applicable, as of the Transfer-In Date in order to determine whether Members qualify for the points payable pursuant to the cash back reward offer.
13. You have until November 30, 2026 to notify CU Financial Management if the applicable bonus has not been paid. Any notice received after this date, will not be accepted and you will be deemed not to have qualified for the Offer.
General Terms
14. CU Financial Management reserves the right at any time without prior notice and in its sole discretion, to add, alter, modify all or any of these terms and conditions or to replace this offer, wholly or in part, with any other offer, whether similar to this offer or not, or to withdraw this offer altogether. CU Financial Management reserves the right to suspend, disqualify, limit or revoke this Offer to any Member it finds or believes to be manipulating or otherwise abusing the process, fairness, or integrity of the cash back reward offer.
15. Additional terms and conditions apply to opening an account Aviso Wealth, and the transfer in, and operation of, accounts at any of CU Financial Management or Aviso Wealth.
16. CU Financial Management shall have the exclusive right to determine the amounts, if any, payable under any offer.
17. All new accounts with Aviso Wealth will be opened as nominee accounts.
18. CU Financial Management and Aviso Wealth are not responsible for transfers that are not initiated or received and completed by the dates stated in Sections 3 and 4 due to problems or technical malfunctions of telephone networks or lines, computer online systems or servers, computer software problems or traffic congestion on the internet or at any website, or any other delays on the part of the delivering institution.
19. CU Financial Management representatives that are not registered with Aviso Wealth will not be involved in any investment decision involving a Qualifying Account held at Aviso Wealth.
20. The Aviso Wealth representative managing a Qualifying Account must be affiliated with CU Financial Management.
21. Online brokerage services are offered through Qtrade Direct Investing. CU Financial Management offers financial planning, life insurance and investments to members of credit unions and their communities. Mutual funds and other securities are offered through Aviso Wealth. Qtrade Direct Investing and Aviso Wealth are divisions 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 funds and other securities are not insured nor guaranteed, their values change frequently and past performance may not be repeated. There can be no assurances that the money market fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.