Services

We offer a range of services and can help you plan for life milestones-both expected and unforeseen. 

• Retirement Planning
• Financial Planning
• Wealth Management
• Education Planning
• Insurance

Retirement Planning

The financial advisors at our credit union, registered through CUSO Financial Services, L.P. (CFS)¹, can design a retirement strategy to match your budget, funding requirements, and retirement target dates.

• Comprehensive personal financial reviews
• Map out an investment plan based on your risk tolerance and time horizons
• Guaranteed lifetime income programs
• Pre-and post-retirement planning
• 401(k) rollovers
• 403(b) expertise
• IRAs

Financial Planning

We care about your financial well-being and know you have goals, such as buying a house, paying for your children’s education, saving for retirement, or creating a retirement income stream. We can help you with creating a plan to reach your goals.

Our experienced financial advisors are registered through CUSO Financial Services, L.P. (CFS)¹, and can help you choose strategies that fit you, your family, and your budget. These include:

• 401(k) Rollover Options
• Roth & Traditional IRA’s
• IRA Transfers
• Life Insurance Protection
• Tax-Deferred Investing
• Retirement Planning
• Saving for College

Learn about what to expect from an advisor consultation.

IRA Options include:

• Traditional IRA: Great for individuals who qualify for a current tax deduction or who anticipate being in a lower tax bracket during retirement. Earnings accumulate on a tax-deferred basis.
• Roth IRA: Ideal for those not requiring an immediate tax deduction. All earnings accumulate tax-free. No required minimum distributions during a lifetime.
• IRA Rollover: When you terminate employment you have a few options to consider. One option is to have your employer-sponsored retirement plan rolled over into an individual IRA that you control.²
• IRA Transfer: You may transfer an existing IRA to another similar IRA. This is typically done to seek lower costs and consolidate assets.

Our CFS financial advisors will help guide you through the many complex plan options to make a simple, but informed decision.

Schedule a no-obligation consultation with a financial advisor in your area:
San Diego Area Advisors   |   Los Angeles Area Advisors

Wealth Management

Make sound financial decisions based on your risk tolerance and investment needs. Our Financial Consultants can help provide resources to save, grow, and protect your assets—helping you reach your financial goals.

• Financial Needs Analysis
• Estate Planning
• Tax Strategies
• Mutual Funds
• Annuities and Bonds
• Brokered CDs
• Stocks

Schedule a no-obligation consultation with a financial advisor in your area:
San Diego Area Advisors   |   Los Angeles Area Advisors

Education Planning

Investing in your education can be a financial burden. Our Financial Consultants can offer options to help you plan and save, preparing you for the costs of tuition and related expenses.

• Tax-Advantaged Savings
• 529 Plans

Schedule a no-obligation consultation with a financial advisor in your area:
San Diego Area Advisors   |   Los Angeles Area Advisors

Insurance

Life can be unpredictable. A financial roadmap can help you navigate life's uncertainties with confidence. Our Financial Consultants will work with you to develop a plan that fits your and your families needs—preparing you for the future.  

• Life Insurance
• Long-term Care Planning

Schedule a no-obligation consultation with a financial advisor in your area:
San Diego Area Advisors   |   Los Angeles Area Advisors

Terms & Conditions

¹ Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

² Before deciding whether to retain assets in an employer-sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.

CFS and its representatives do not provide tax advice. For specific tax advice please consult a qualified tax professional.

Not NCUA Insured or Otherwise Federally Insured

Not Guarantees or Obligations of the Credit Union

May Involve Investment Risk, May Lose Value

One or more of the CFS advisors associated with this site are securities licensed in the following states: Arizona, California, Colorado, Florida, Hawaii, Idaho, Maryland, Nevada, New Jersey, New Mexico, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, Wyoming.

³While supplies last.