Financial Planning Services

The tools. The planning. The experience. Yep. We've pretty much got the whole package.

Great advice on everything from 401(k)s to IRAs to fishing. 

When it comes to financial services and financial planners, you've got a million options. And let's face it, the more options you have, the more confusing it gets. That's where we come in. With a CFS* Financial Advisor at CommunityAmerica Credit Union, you'll receive the tools and the services to help you find the plan that's just right for you. And you get it for free.

That’s what you get with CFS* Advisors at CommunityAmerica. It’s what you’ve come to expect from being a member — all the knowledge, all the experience without the attitude. Along with more listening than talking. We can help with complete financial planning services — like retirement, college and investing with an added bonus — since you have a history with us, you won’t have to start a new relationship, just deepen the one you already have.

To get things started, your CFS* Financial Advisor will provide an in-depth analysis of your financial situation to help identify your needs and priorities. We'll discover if you:

  • Have a clear set of financial goals that you are working toward.
  • Make more than you spend, not just on a monthly basis but also across the year.
  • Save for retirement and have a safety net of financial reserves.
  • Have a will and life insurance.
  • Need to help reduce credit card debt.

These questions are not only a starting point, they are the fundamental elements of a stable financial life - the personal in personal financial planning. By asking you these questions, we'll be able to learn where you stand and where you need to go.

WE'VE GOT ALL THE FINANCIAL SOLUTIONS YOU NEED. AND THEN SOME.
CFS* Financial Advisors provide virtually every financial and insurance instrument you need for your financial plan, including:

401(k), 403(b) AND 457 ROLLOVERS
We can offer rollover advice if you've changed jobs or want to consolidate and simplify your investments.

IRAs (TRADITIONAL AND ROTH)

Savings plans that will help provide tax advantages to individuals saving for retirement.

MUTUAL FUNDS
Help diversify a retirement portfolio by investing in a mix of stocks, bonds and short-term money market accounts.

TAX-DEFERRED FIXED/VARIABLE ANNUITIES
A contract between you and an insurance company.

BONDS
An easy way to invest for your retirement. Not only are they convenient, they provide diversification.

COLLEGE SAVINGS 529 PLANS
A great way to save for your child's higher education with tax-free growth and withdrawals free from federal tax if certain conditions are met.

CUSTODIAL ACCOUNTS (UGMA/UTMA)
An easy way to give your child a financial gift for the future without being subject to gift tax.

BUSINESS RETIREMENT PLANS [401(k), 403(b), SEPs AND SIMPLES]
We can help you make the most of your money in tax deferred plans designed specifically for businesses . We've got a wide range of retirement investment options, so you can find the one that's right for you. Learn more.

TERM LIFE INSURANCE
Provides temporary life insurance protection. Because term insurance protection is temporary, premiums are lower than permanent life insurance. Learn more.

PERMANENT LIFE INSURANCE
Coverage will last as long as you live. It offers level premiums and is a good choice for long-term goals. Learn more.

LONG TERM CARE INSURANCE
Provides protection and assistance in the case of an ongoing illness or disability. It ranges from personal care at home to care in a nursing home. Learn more.


STOP THINKING. START DOING.
By thinking about your investments, you've taken the first step toward helping secure your financial future. Now it's time to take the next step and do something about it. Contact a CFS* Financial Advisor today. Advisors are dedicated professionals carefully selected and trained to serve our members. You can count on their advice and know that they will always act in your best interest. Their advice will be objective, fair and honest. After all, they don't succeed unless you do.

*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. CommunityAmerica Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

For specific tax advice, please consult a qualified tax professional.
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