Rounding Out Your Financial Plan with the Help of a Professional

Financial professionals go by many names: personal advisor, investment consultant, financial planner, financial coach. Their varying backgrounds and credentials come with different designations and titles. And, there are at least as many reasons to work with a financial professional as there are job titles. Whether you want retirement planning guidance, would like your money to do more for you or you need the objectivity of a third-party expert, an RBFCU Investments Group Financial Professional can help.

Six Reasons to Work with a Financial Professional

Let’s be honest: life can be complicated. Most hardworking folks have enough to think about before even considering their long-term financial goals. Take a look at the following list of challenges that could be met with the help of a financial professional:

1. You could use help achieving your financial goals. Maybe you've heard that it's important to manage debt, increase your emergency savings, build assets and protect your family's financial well-being while planning for retirement, but you haven't found a way to start achieving those goals.

2. You want your money to work a little (or a lot) harder. Financial advice is not solely for high-wealth individuals. Sound advice can help everyone make wise choices and get closer to their vision of the good life.

3. You’re facing a financial milestone. Major life events are also major money events. Marriage or divorce, starting a family, buying a home, saving for college or retirement or losing a spouse can all have profound effects on your financial life.

4. Your emotions are getting in the way. Financial decisions can be emotionally fraught, especially when they involve relationships and, potentially, conflict. The objectivity of a financial professional can help you keep a clear head when making important decisions about your money and your future.

5. You don’t have time. It takes time to build, update and manage a financial plan. It takes time to stay abreast of changes that can affect your outcomes and influence your decisions. Working with a financial professional can help you save time.

6. You recognize the limits of your own financial expertise. There’s good reason to call in experts when we have questions, such as a mechanic to fix a car and doctors for our health. An experienced, impartial financial professional will work to understand your individual needs and recommend solutions.

What Can a Financial Professional Do for You?

You don’t need to wait for a windfall — or worse, a money crisis — to benefit from professional financial advice. When people think of a financial professional, they often envision someone who serves only high-wealth clients. Fortunately, the professionals at RBFCU are experienced, prepared and happy to work with all members to meet their individual financial needs today and tomorrow. Maybe you need advice today that will help you pay down your debt and grow your savings. Down the line, you might be looking for the right investment vehicle for an inheritance or monetary gift. Both now and in the future, you have plenty to gain from the expertise of a trusted professional who can offer guidance on a variety of products and ways to help you navigate your financial journey. These may include:

  • Retirement savings, including 401(k) rollovers, individual retirement accounts (IRAs), Roth IRAs and more
  • Holistic financial management for building net worth and creating income from assets
  • Life, disability and long-term care insurance to provide financial protection for you and your family
  • Goal-setting and saving for education or long-term care
  • Custom investment management
  • Stocks, bonds, mutual funds and annuities

Why Have Confidence in a Financial Professional at Your Credit Union?

Credit unions are mission-based, cooperative organizations focused on serving their members rather than answering to outside shareholders. That means the financial professionals at your local branch look for investment products tailored to meet your needs, rather than pushing investment vehicles with risk that exceeds your comfort level or programs that charge expensive management fees. Your credit union membership means you are part of a financial community. Here, you’re served by professionals who truly care about you as an individual. You’re much more than a number or a portfolio. Our financial professionals are here expressly to serve your best interests.

To schedule a no-cost, no-obligation consultation, please call 1-888-294-0202 or email rbinvestments@rbfcu.org today.

Article prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2020; February 2021

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). 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. FR-3389741.1-0121-0223