Investment, Insurance, and Retirement Planning

We are here to make sure you understand what options you have for managing your money today and well into the future. Regardless of your financial situation, we can help you take control of your money and find ways to grow your wealth.

Why Work with Us?

When it comes to financial advice, the most important thing is professional experience. This is your money after all, and you don’t just want to keep it safe; you want it to multiply. That’s why we take our time, getting to know you and your personal situation. Our goal is to understand your needs, your fears, and your risk tolerance so that we can help get you on a plan toward greater prosperity.

MEMBERS Financial Services can assist you with:

• Building a nest egg for your future
• Accumulating wealth for your family
• Protecting your hard-earned money
• Retiring to a lifestyle you’ve always wanted

Schedule a No-cost, No-obligation Consultation




At VSECU, you can work with a team of experienced financial advisors through MEMBERS Financial Services™, an investment service that is specifically designed with the credit union membership in mind. As a VSECU member, you have access to financial services and many resources to help you organize and plan for every milestone in your life. Let the MEMBERS Financial Services team help define your tomorrow.

MEET OUR INVESTMENT SERVICES TEAM

Our financial advisors are located at the Montpelier branch and travel to our other branch locations to serve members.


Brian Bishop
Montpelier Branch
Sr. Financial Advisor
brian.bishop@cunamutual.com
802-371-5185


Brian Bristow
Montpelier Branch
VP Financial Services
brian.bristow@cunamutual.com
802-371-5186


Christine Bristow
Montpelier Branch
Registered Sales Assistant
christine.bristow@cunamutual.com
802-371-5173


Blair Wolston
Burlington Branch
Financial Advisor
blair.wolston@cunamutual.com
802-371-5127

Walter lother portrait
Walter Lother
Bennington Branch
Financial Advisor
walter.lother@cunamutual.com
802-371-5183

Check the background of these investment professionals on FINRA’s BrokerCheck.


WHAT TYPES OF PRODUCTS OR SERVICES DO WE OFFER?

Financial planning
We collect information from you, about your lifestyle, assets, and expenses and conduct a comprehensive evaluation in order to determine and help you plan for your future financial needs.

Financial risk management
Risk management is one of our main responsibilities as your financial advisor. In that role, we identify, analyze, and manage the risks associated with your investments.

Retirement planning
Regardless of your age, we will work with you to develop a full financial analysis and retirement plan that will help you prepare for a satisfying retirement.

Mutual funds1
A mutual fund is a type of investment vehicle. You can think of it as a container for other investments, which could include stocks, bonds, and other assets.

Trust accounts
A trust account is opened by one person for the benefit of another person and managed by a trustee based on pre-determined terms. For example, a parent may create a trust account for their child and set a time when the child can begin to access the money and how much they can access at a given time.

Annuities1
Annuities are tax-deferred investment that are most often used as a retirement account. You can make a lump sum deposit to open the account or pay over time. The annuity can provide a steady income stream during retirement.

Life insurance
Life insurance is a contract you make with an insurer. You make a monthly payment on the policy in order to guarantee that a person of your choosing (the beneficiary) receives an agreed-upon tax-free benefit amount upon your death.

Bonds
A bond is a low-risk investment. When you purchase a bond, you are in essence giving money to a company, municipality, state, or sovereign government. It is very much like making a loan, which will earn you a fixed rate of interest.

Long-term care insurance
As people age and face declining health, they may require long-term medical and social services to support their needs. Insurance helps cover the expenses associated with this long-term care.

Life cycle planning
This type of planning maps your financial needs as they change over time.

401(k) rollovers2
Within 60 days of receiving a retirement plan or IRA distribution, you can roll the funds over to your retirement account or a new retirement plan.

College savings plans
College savings plans are designed specifically for saving money that will be used toward the costs of higher education. These plans allow you to save money while enjoying tax and financial aid benefits.

IRAs
An individual retirement account, or IRA, is a retirement savings account. IRAs come in a number of different types, the two most common being Roth IRAs and traditional IRAs.

Stocks
When you own stock, you own a “share” of a publicly-traded corporation. This share represents a portion of the corporation’s assets and income.



HOW DO WE GET PAID?

MEMBERS Financial Services advisors are salaried employees of VSECU. Their compensation is fixed and is not based on the type of products or services provided or the number of times they may make investment trades or changes in your account.

Advisors meet with you and provide solutions to meet your needs. Any fees or commissions associated with your individual accounts generate revenue for VSECU, which is used to help pay investment advisor salaries and other VSECU operational expenses, and improve interest rates on loan and deposit products.


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Schedule Your No-cost, No-obligation Consultation
Life’s a lot easier when you’re prepared for the future. A financial advisor from MEMBERS Financial Services can help you take the necessary steps to a better position. Get started with us today and schedule a no-cost, no-obligation consultation by clicking the calendar icon. You may also call Christine Bristow at VSECU at 802-371-5173 to make an appointment.






RELATED RESOURCES

1 Mutual Funds and Variable Annuities are sold by prospectus only. Contact a financial advisor to obtain a prospectus. Read it carefully before investing.

2 Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account (IRA), you should consider whether the rollover is suitable for you. There may be important differences in features, costs, services, withdrawal options, and other important aspects between your employer sponsored retirement account and an IRA.

MEMBERS Financial Services Advisors are registered representatives. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-2332047.1-1118-1220