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Financial Services

Financial Management and Analysis  

We use a comprehensive approach to your overall financial well-being that focuses on:

• Protection – Building your base of insurance protection
• Accumulation – Developing strategies to save money for retirement, education, purchases, etc.
• Management – We help you manage your financial strategies as they evolve throughout your lifetime.

Retirement Planning

Pre-retirement planning: 

• IRAs (Individual Retirement Accounts)
  -Traditional IRAs
  -Roth IRAs
  -Spousal IRAs
  -Rollover (conduit) IRAs
• SEPs (Simplified Employee Pensions)
• SIMPLEs (Savings Incentive Match Plan for Employees)
• TSAs (Tax Sheltered Annuities) and 403(b) Plans
• Non-qualified Deferred Compensation Plans
• Non-qualified Accumulation

Post-retirement planning

• Retirement Income Planning
• Legacy Planning
• Retirement Distribution Planning

Educational Funding Planning

• Section 529 Plans
• Roth IRAs
• Coverdell Education Savings Accounts

Wealth Management Services

Trust services:*
• Personal Trust Services
o Trusts Created Under Wills
o Living Trusts
o Retirement Plan Trusts
• Executor Services/Estate Settlement
• Charitable Gifting Strategies

Financial plans

This fee-based service prepares:

• Comprehensive Financial Plans
• Retirement Plans
• Estate Planning

Professional money management services:

• Members Advisory Portfolio
• Members Personal Portfolio

Private client services:

• Exercising Employee Stock Options
•  Restricted/Control Stock Sales and Loans

*Currently not available in all credit unions.