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.
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.
ESG Fiduciary Portfolios
ESG (environment, social, governance) portfolios allow you to align your investments with your values. Each asset in the portfolio is screened for the company’s sustainability score. The screening assesses their positive impact on the environment and society and the choices they’ve made in their governance. We offer multiple portfolios to meet a variety of risk profiles.
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.
If you’re interested in investing in specific companies using traditional stocks and/or bonds, we can help you do that. We’ll set up a brokerage account for you, where we can facilitate purchases and sales for you.
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.
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.
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.
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.
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.
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.
How to Buy Stocks
Individual stocks or equities are an advanced way to build wealth. Most investors begin with a mutual fund in a …
How Does an IRA Work and Why Isn’t Mine Performing?
To understand why your IRA, 401(k), 403(b), or 457 isn’t performing, you need a little background on how these retirement …
Your Financial Advisor Meeting Checklist
So, you’re finally taking that next step in your financial stability. You’re meeting with a financial advisor to figure out …
- – Mutual Funds and Variable Annuities are sold by prospectus only. Contact a financial advisor to obtain a prospectus. Read it carefully before investing.
- – 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 of CUNA Brokerage Services, Inc. Representatives are registered, 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. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. FR-4672095.1-0422-0524