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Whether you’re looking for overall financial guidance, assistance with a specific financial goal, creating a comprehensive financial plan or just get a second opinion, we’re here to help. Our CFS Financial Advisors can provide you individualized service, and are here to work directly with members like you.
  • Reviewing Your Current Financial Plan
  • Retirement Planning
  • IRA, 401(k), 403(b), 457 plans, and TSP Rollovers
  • Retirement Income Strategies
  • Education Funding
  • Life and Long Term Care Insurance
To get started designing your plan, contact us today to schedule a free, no-obligation appointment: Call 315.728.5434 or 800.462.5000, ext. 5434.

FINRA Broker Check

*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.
Millions of Americans in retirement may be scrambling to find ways to make ends meet without the income from a full-time job, and trying to recover from recent market volatility. Fortunately, there are several possible solutions available for those looking to increase their income during their non-working years. At Empower, our CFS* Financial Advisors can help you overcome several retirement income challenges by:
  • Designing a retirement plan
  • Uncovering your basic expenses and discretionary expenses
  • Evaluating current sources of retirement income
  • Identifying potential gaps between income and expenses
  • Anticipating fixed and discretionary expenses in retirement
  • Positioning assets to work for you
  • Uncovering new sources of income
 
To learn more about generating income in retirement, contact us today to schedule a free, no-obligation appointment: Call 800.462.5000, ext. 5434 or 315.728.5434 or visit a local branch.

FINRA Broker Check

*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.
In or nearing retirement, everyone should begin to look closely at their funds. If you have IRAs, 401(k)s and pension plans scattered all over, you may want consider consolidating your accounts. At Empower Federal Credit Union, our CFS* Financial Advisors can help you. They are here to answer your rollover questions and find ways to:
  • Potentially save money on annual fees
  • Create opportunities to allocate, diversify, and rebalance in one portfolio
  • Offer valuable estate planning features
  • Simplify required minimum distributions
  • Provide access to one easy consolidated statement
To learn more about consolidating retirement accounts, contact us today to schedule a free, no-obligation appointment: Call 800.462.5000, ext. 5434 or 315.728.5434 or visit a local branch.

*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.

FINRA Broker Check

*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
When you're in your 50s, retirement planning is more important than ever, especially considering many of us can expect to live well into our 90s. At Empower, our CFS* Financial Advisors can help you create a financial P.L.A.N. and uncover ways to catch up by:
  • Creating a Financial P.L.A.N. - Pay yourself first, Live within your means, Assure your families stability, and Never stop learning
  • Helping you uncover the maximum contribution you're allowed from your workplace retirement plan and Individual Retirement Accounts
  • Uncovering ways to take advantage of annual catch-up contribution provisions
  • Discussing ways to create multiple income streams
To learn more about retirement planning over 50, contact us today to schedule a free, no-obligation appointment: Call 800.462.5000, ext. 5434 or 315.728.5434 or visit a local branch.

FINRA Broker Check

*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

*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.