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Heritage Community Credit Union Investment & Retirement ServicesHeritage Community Credit Union Investment & Retirement ServicesHeritage Community Credit Union Investment & Retirement ServicesHeritage Community Credit Union Investment & Retirement Services
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    • Nearing Retirement
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    • Income Strategies in Retirement
    • Consolidating Retirement Accounts
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    • Mike Selby
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Financial Planning

  • Financial Planning
  • Nearing Retirement
  • Retirement Planning
  • Saving for College
  • Life Insurance
  • Estate Planning
  • Consolidating Retirement Accounts
  • Income Strategies in Retirement
Home Investment Services Financial Planning

As a member of Heritage Community Credit Union Investment & Retirement Services you have access to our knowledgeable Financial Advisor available through our broker-dealer CUSO Financial Services, LP (“CFS”)*.

In today’s market, it’s essential to work with a Financial Advisor who can provide you insight and guidance based on an understanding of your unique situation. As a valued member, we can offer our complimentary, no obligation financial review utilizing our financial planning software.

A financial review can help you have more confidence in your financial future.

During our meeting, we’ll go through these six steps:

  1. Identify your unique goals and the level of importance of each goal specifically
    • Income sources
    • Investment assets
    • Savings
    • Other assets
  2. Identify the financial resources that will help fund the achievement of your goals
  3. Determine the balance of investment risk and return that is appropriate for you
  4. Create your personal plan outlining the investment and insurance services needed to help achieve your retirement goals
  5. Review and discuss your plan results together
  6. Take the steps to put your plan into action
    • Review your Social Security strategy
    • Establish the proper savings strategy
    • Implement an appropriate asset allocation strategy for your Investment Portfolio

With this comprehensive research meeting, it is our goal to enhance your investment experience and better recommend strategies and solutions to meet your long- and short-term financial objectives. Our CFS* Financial Advisor can offer investment solutions to better serve our clients’ needs; ones that include diversification in accordance with a client’s goals and objectives, active account management and account rebalancing where appropriate.

Completing your personal financial review together is a beneficial step toward identifying prudent investment solutions for your needs.

If you would like to learn more about our investment services, feel free to contact us or stop by your local branch.

*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.

CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional, information shown is for general illustration purposes and does not predict or depict the performance of any investment or strategy. Past performance does not guarantee future results.

  • Mike Selby smiling

    Mike Selby

    Financial Advisor

    CUSO Financial Services, L.P.
    CA Insurance License #0674252

Phone: 916.364.3050

Email: mike.selby@cusonet.com

707 E. Bidwell St.
Folsom, CA 95630

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Copyright 2018 CUSO Financial Services, L.P. | All Rights Reserved
  • HOME
  • INVESTMENT SERVICES
    • Financial Planning
    • Nearing Retirement
    • Retirement Planning
    • Life Insurance
    • Saving for College
    • Estate Planning
    • Income Strategies in Retirement
    • Consolidating Retirement Accounts
  • OUR TEAM
    • Mike Selby
  • CALCULATORS
    • Retirement Calculator
    • Investing Calculator
    • IRA Options Calculator
    • 401k Calculator
    • College Calculator
    • Life Insurance Calculator
  • CONTACT US
  • HERITAGECCU.COM
Heritage Community Credit Union Investment & Retirement Services