Investment Strategies & Solutions
What do you need to achieve your financial goals?
The answer to that question can be complicated, but it’s a great starting point. By exploring your goals and objectives with RBFCU Investments Group, you can identify strategies and solutions that can move you closer to the financial future you seek.
Your strategy | Our solutions | Educational resources | FAQs | Contact us
Develop your strategy
It’s easier than you might think — especially with a financial advisor to help.
ASSESS
where you are.
CLARIFY
where you want to go.
DETERMINE
your level of risk tolerance.
SET
short- and long-term goals.
CHOOSE
solutions and products.
REVIEW
and refine your strategy.
When it comes to developing an investment strategy, the “right” one is the one that fits your unique goals, objectives, budget and overall financial well-being. In fact, you might have more than one strategy to help you advance toward multiple goals.
That’s why a conversation with a professional financial advisor can be useful. Not only are they prepared to help you learn which key factors to consider, but also they can suggest products and services that might favorably impact your finances.
Discover our solutions
We offer an array of financial products and services.
RBFCU Investments Group is here to help you reach your short- and long-term financial goals. Below is an overview of some common solutions. Curious to learn more about how we might be able to help you personally? Schedule an appointment.
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IRAs
An Individual Retirement Account (IRA) is a personal savings plan that offers specific tax benefits. There are two main types: Traditional IRAs and Roth IRAs.
An IRA can consist of a variety of financial options, including stocks, mutual funds, bonds, annuities, certificates and other investment products.
Retirement Planning
The biggest financial goal for most people, retirement is often the source of many questions.
From pension rollovers to supplementing employer-sponsored benefits, our financial advisors can help you develop a retirement plan that suits you.
College Savings Plans
Saving for education is an important goal, and a 529 savings plan is a tax-advantaged education savings vehicle that can help you set aside funds for a child or grandchild.
There are no age restrictions, no income phase-out limits, and the funds are considered to be gifts. This means anyone, even non-relatives, can contribute.
Life & Long-Term Care Insurance
Depending upon whether you seek to protect your family or yourself, the right insurance plan may help replace lost income, leave a legacy or stretch your retirement dollars in the years to come.
Whole or term life insurance benefits your heirs while long-term care insurance can help provide care should you suffer an illness, disability or a debilitating disease such as Alzheimer’s.
Mutual Funds
A mutual fund is a pool of money provided by individual investors, companies and organizations.
The fund’s manager buys securities to pursue a stated investment strategy, providing investors with a quick, efficient means of managing money.
Annuities
A tax-deferred insurance contract designed for retirement purposes, an annuity can provide steady income and help fill the gap between pensions, Social Security Retirement benefits and personal savings.
Annuities come in different types, can provide a guaranteed death benefit and typically provide tax deferrals.
Looking for competitive CD rates?
When it comes to finding a good rate on a certificate of deposit (CD), come talk with our financial advisors.
Through our relationship with Ameriprise Financial Services, LLC, RBFCU Investments Group can provide you access to a broad range of Brokered CDs. This is an approach many use to build cash reserves and provide guaranteed income.
To learn more, contact us now.
Managed accounts — a personalized approach to your financial planning
For many, managed accounts can help minimize the stress and constant worry of investment decisions — thanks to the skilled professionals who take care of those investments. In other words, the financial advisor or investment professional has the discretionary authority to make the investment selections on the investor’s behalf.1
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Is RBFCU Investments Group part of RBFCU?
RBFCU Investments Group LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU).
RBFCU Investments Group financial advisors are registered representatives of Ameriprise Financial Services, LLC and employees of RBFCU.
RBFCU Investments Group is a financial advisory practice of Ameriprise Financial Services, LLC.
RBFCU offers an investment services program through Ameriprise Financial Institutions Group, a channel of Ameriprise Financial Services, LLC.
Through our relationship with Ameriprise Financial, you have access to wide-ranging advice — from point-in-time investment recommendations and asset allocation strategies, to a comprehensive financial planning approach that covers key aspects of your financial life — to help you meet your goals. And, your financial advisor can provide access to a broad array of solutions to meet your specific needs, including investments, insurance and annuities, and much more.
Ameriprise Financial Services, LLC and its affiliates are entities separate from, and not affiliates of, RBFCU.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
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Are my investments insured by the National Credit Union Administration (NCUA)?
No, investments are not insured by NCUA. Depending on the type of investments within a personal portfolio, they may be insured by other agencies.
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What financial planning services does RBFCU Investments Group offer?
RBFCU Investments Group offers a wide variety of investment planning services, including:
- Financial planning services
- Retirement planning
- Individual Retirement Accounts (IRAs)
- 401(k) and pension rollovers
- Asset allocation
- Mutual funds
- Annuities
- College savings plans
- Estate planning strategies
- Whole life insurance
- Term life insurance
- Long-term care insurance
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Can I access my investment account online?
If you’ve already registered your investment accounts through RBFCU Online Banking, follow this path:
- Sign in to your RBFCU Online Banking account.
- Under the “View Accounts” tab, click on the account under the “Investments” section.
This page provides a summary of your account only. If you wish to make changes to different investment services, contact your RBFCU Investments Group financial advisor.
If you haven’t yet registered your investment accounts through RBFCU Online Banking, follow this path:
- Sign in to your RBFCU Online Banking account.
- Select the “Explore Products” tab.
- Click on “Investments.”
- Review the “Terms & Conditions” and check the box when prompted.
- The “Account Setup” page should now show your “Investment Account.”
- Select “Continue.”
For first-time RBFCU Mobile app users, tap the plus sign icon (+) at the bottom, select “Explore Products” and then click the “Investments” card.
Again, this page only provides a summary of your investments account. If you wish to make changes to different investment services, contact your RBFCU Investments Group financial advisor.
Remember: You can also use the secure site on ameriprise.com. It allows you to check balances, access online statements and e-Delivery, pay bills, communicate securely with your advisor and more.
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How long will it take for an RBFCU Investments Group financial advisor to contact me?
Once a request has been made to meet with an RBFCU Investments Group financial advisor, we will contact you within two business days to schedule an initial meeting and learn more about your goals.
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Who can view a summary of investments and accounts through RBFCU's Online Banking and the RBFCU Mobile app?
RBFCU Investments Group clients who are also RBFCU credit union members have the ability to view investment and account summaries through RBFCU’s Online Banking and the RBFCU Mobile app.
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Do I have to be a credit union member to view my summary of investments and accounts on RBFCU's Online Banking and the RBFCU Mobile app?
Yes. In order to access RBFCU’s Online Banking and the RBFCU Mobile app, you must be an RBFCU member.
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If I'm not an RBFCU member, can I view my investments and accounts through RBFCU’s Online Banking and the RBFCU Mobile app?
For complete account details, clients can log in or register to the Ameriprise Financial secure client site at ameriprise.com/client-login.
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What platforms will the integration be available on?
You can view a summary of investments and accounts on our Online Banking platform at rbfcu.org via a desktop or the RBFCU Mobile app.
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How can I view my investments and accounts through RBFCU's Online Banking and the RBFCU Mobile app?
To view investments and accounts through our Online Banking platform at rbfcu.org or the RBFCU Mobile app, start by signing in and selecting “Explore Products” on the navigational toolbar. Then select “Investments.” (For mobile app users, tap the plus sign icon (+) at the bottom, select “Explore Products” and then click the “Investments” card.)
Follow the prompts, and from there, your investments and accounts will automatically appear.
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What types of investment account details can I view through RBFCU's Online Banking and the RBFCU Mobile app?
Within the Account Details page, you can view the account name, account number, account owner, advisor name, account opened date, and, most importantly, the total plan balance.
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What if I don't want to view all of my accounts?
You have the ability to “Enable All” accounts or toggle on and off individual accounts in the Account Setup page. By toggling off an account, it automatically removes it from the list view. (Please note that the toggle functionality only controls the view; the account is still open and active.)
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What if I want to see complete account details, such as online statements?
Ameriprise Financial offers a secure client site to access online statements and eDelivery, pay bills and communicate with your financial advisor. For complete account details, you can log in or register to Ameriprise Financial at ameriprise.com/client-login.
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Who do I contact for questions regarding the view of my summary of investments and accounts?
There are several solutions that may help to resolve questions and concerns.
- Call the RBFCU Online Banking department.
- San Antonio/Austin/Corpus Christi/Dallas-Fort Worth: 210-945-3300
- Representatives are able to provide remote assistance from 8 a.m. to 6 p.m. Monday through Friday, and from 8:30 a.m. to 4 p.m. Saturday.
- Email general questions about accounts to memberservices@rbfcu.org or chat with us by signing in to Online Banking.
- Contact your financial advisor directly or call the primary RBFCU Investments Group phone line at 1-888-294-0202 for investment services inquiries.
- Call the RBFCU Online Banking department.
Page last updated April 2024.
Investments products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Ameriprise Financial Services has a partnership with this financial institution to provide financial planning services and solutions to clients. The financial institution is not an investment client of Ameriprise but has a revenue sharing relationship with us that creates a conflict of interest.
Ameriprise Financial Services partners with financial institutions to provide investment advisory, brokerage and insurance services to their clients. This is a contractual relationship, which earns the financial institution compensation from Ameriprise on successful referrals. In most cases, the financial institution also receives a majority of the commissions and fees generated by Ameriprise financial advisor for the services noted above. This applies as long as the referred client maintains a relationship with Ameriprise. Non-licensed employees of the financial institutions may receive incentives for their employer for referring clients to Ameriprise. These incentives create a conflict of interest.
Ameriprise Financial is not affiliated with the financial institution.
Ameriprise Financial cannot guarantee future financial results.
RBFCU Investments Group is a financial advisory practice of Ameriprise Financial Services, LLC.
Annuities are long-term insurance products. Before you purchase, be sure to ask your financial advisor about the annuity’s features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives.
The guarantees offered by the issuing company and are subject to its claims-paying ability.
Before you purchase long-term care or life insurance, be sure to consider the policy’s features, benefits and fees, and whether it is appropriate for you, based on your financial situation and objectives.
1Please review the Ameriprise® Managed Accounts Client Disclosure Brochure or if you have elected to pay a consolidated advisory fee, the Ameriprise® Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses as well as any applicable updates.
Clients should carefully consider the investment objectives, risks, charges, and expenses associated with a 529 Plan before investing. More information regarding a particular 529 Plan is available in the issuer’s official statement, which may be obtained from an Ameriprise Financial advisor. Investors should read the 529 Plan’s official statement carefully before investing. Clients should also consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds or protection from creditors that are only available for investments in such state’s qualified tuition program.
Clients contributing to a 529 Plan offered by a state in which they are not a resident, should consider, before investing, whether their, or their designated beneficiary(s) home state offers any state tax or other state benefits such as financial aid, scholarship funds or protection from creditors that are only available for investments in such state’s qualified tuition program.
Although Brokered Certificates of Deposit are FDIC insured up to the applicable limits; currently $250,000 per depositor, per insured bank, for each ownership category, the FDIC insurance applies only to the principal investment and will not apply to any amount paid over par value, if applicable.
Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
Ameriprise Financial is not affiliated with GreenPath.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
