--- title: Truly Local Advice | Jim Risko description: After attending Northeastern University in Boston, I returned to Niagara to begin my career in financial services. I’ve been fortunate enough to put my ‘service-first’ approach into action for over ten years in my role as a Financial Advisor, and now dedicating my time to coaching our amazing Wealth Team at PenFi. Helping members through a variety of stages and situations is something that I take great pride in and has provided me the experience needed to support our members. --- **** [![PenFinancial Credit Union](https://www.penfinancial.com/hs-fs/hubfs/PFCU-2017Logo_CMYK-PNG.png?width=220&height=69&name=PFCU-2017Logo_CMYK-PNG.png) ![PenFinancial Credit Union](https://www.penfinancial.com/hs-fs/hubfs/PFCU-2017Logo_Web-Res.png?width=288&height=90&name=PFCU-2017Logo_Web-Res.png) ](https://www.penfinancial.com) [![LOGIN](https://no-cache.hubspot.com/cta/default/6680345/9e666b20-82c2-44e9-a6d1-8768d8611aa8.png)](https://cta-redirect.hubspot.com/cta/redirect/6680345/9e666b20-82c2-44e9-a6d1-8768d8611aa8) [**](https://www.penfinancial.com/advice/author/jim#tmpmodule_1568761248550301) ** ###### Day to Day Banking ###### Borrowing & Investing ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### Daily Business Banking ###### Borrowing & Investing ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### Investments ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### About PenFi **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ![Jim Risko](https://via.placeholder.com/100x100.jpg/e0e7ee) ### Jim Risko After attending Northeastern University in Boston, I returned to Niagara to begin my career in financial services. I’ve been fortunate enough to put my ‘service-first’ approach into action for over ten years in my role as a Financial Advisor, and now dedicating my time to coaching our amazing Wealth Team at PenFi. Helping members through a variety of stages and situations is something that I take great pride in and has provided me the experience needed to support our members. #### Recent posts by Jim Risko ###### 3 min read ## [Weathering the storm during COVID-19](https://www.penfinancial.com/advice/weathering-the-storm-during-covid-19) By [Jim Risko](https://www.penfinancial.com/advice/author/jim) on Apr 2, 2020 3:47:02 PM [![](https://www.penfinancial.com/hubfs/People%20wearing%20masks.jpg) ](https://www.penfinancial.com/advice/weathering-the-storm-during-covid-19) The global pandemic has brought many changes to our community. As we settle into our new "normal," whether it's school closures, social distancing measures, or job loss, what is certain is the ripple effects of COVID-19 will continue for some time. One thing our Members can count on amidst the uncertainty is that as a values-based credit union, PenFinancial is always committed to improving the lives of our members and strengthening our communities. This turbulent time is no different. ###### 4 min read ## [How the First Time Home Buyer Incentive can help](https://www.penfinancial.com/advice/first-time-home-buyer-incentive) By [Jim Risko](https://www.penfinancial.com/advice/author/jim) on Sep 2, 2019 12:01:26 AM [![](https://www.penfinancial.com/hubfs/Claire-helping-a-Member-move-2.jpg) ](https://www.penfinancial.com/advice/first-time-home-buyer-incentive) Please note that the Canada First Time Home Buyer Incentive is no longer accepting applications. [Get in touch with us today](https://www.penfinancial.com/contact-us#connect) to explore alternative home buyer benefits you may be eligible for and discover other saving options available to you. --- Looking to buy your first home? You aren’t alone. Young people all over Canada are looking for a way to move on up from basement rentals. But, like many Millennials, you’re probably on a tight budget. Well, this is your lucky year! In its 2019 federal budget, the Government of Canada announced a way to help you: the [First Time Home Buyer Incentive.](https://www.placetocallhome.ca/fthbi/first-time-homebuyer-incentive) ###### Topics: [Mortgages](https://www.penfinancial.com/advice/topic/mortgages) [Buying a home](https://www.penfinancial.com/advice/topic/buying-a-home) [First Time Home Buyers](https://www.penfinancial.com/advice/topic/first-time-home-buyers) [All posts](https://www.penfinancial.com/advice/all) ###### MEMBER LOGIN MEMBER LOGIN ###### BANKING BANKING ###### RESOURCES RESOURCES ###### ABOUT PENFI ABOUT PENFI Copyright © 2026 PenFinancial Credit Union PenFinancial Credit Union is a licensed credit union operating in, and under the laws of the province of Ontario. 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