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
– Trusts Created Under Wills
– Living Trusts
– 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.