Third Quarter 2023
frontwavecu.com
When online banking won’t do and your usual branch or ATM is too far away, remember Frontwave Members have access to more than 5,600 Co-op Credit Union “Shared” branches within the U.S. and nearly 30,000 surcharge-free ATMs worldwide. To find a nearby location, We’ve got you covered coast-to-coast!
Meet Our New Frontwave Investment Services Advisor
call 888.748.3266 or visit co-opcreditunions.org.
Provided by Niko Pandeleos, Associate Financial Advisor
Kathy Chesney, to make sure you have solid answers to these key questions: • Is your retirement money invested properly? • Will you have enough income in retirement? • What should you do with an existing retirement plan from a previous employer? • How will you pay for a child’s or grandchild’s education? • Financially, what would happen to your family if you died? • How will you pay for long-term care? I am a Registered Representative of LPL Financial, Inc., member FINRA/SIPC. I am also a licensed representative of Trustage Life Insurance Company. It’s easy to get started. Please contact me for a no-cost, no-obligation consultation. Niko may be reached at 760.439.6960 or Niko.Z.Pandeleos@LPL.com
Helping you reach your financial goals is my number one objective. Working together, I’ll help you make sound financial decisions consistent with your comfort level, investment timeline and goals. We can start small and grow or evaluate and build upon any existing financial plans. The end result will be a strategy designed to help you build, protect, use and transfer assets in the most advantageous way. Periodically we’ll review your situation and make adjustments as needed. It just makes sense - as your life changes, so do your financial needs, and I’ll be here for you at every stage of your life. As a trusted partner of Frontwave Credit Union, I have a strong history of working with credit union members, their family and their friends. I have access to a wide variety of investment and insurance products. I’ll be working alongside your trusted Frontwave Investment Services Advisor,
Looking to Save on Your Insurance? Make sure you’re getting the best deal with a fresh new quote from Frontwave Insurance Services. A one-stop shop for all your insurance needs, Frontwave Insurance Services can make sure you have the right insurance for your needs at the best price. Get a free, no obligation insurance quote by visiting frontwavecu.com/insurance or calling 844.788.0820.
• Auto Insurance • Motorcycle Insurance • Home Insurance • And more!
This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. This material was prepared by LPL Financial, LLC. Securities and advisory services are offered through LPL Financial (LPL) , a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Frontwave Credit Union and Frontwave Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Frontwave Investment Services, and may also be employees of Frontwave Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Frontwave Credit Union or Frontwave Investment Services. Securities and insurance offered through LPL or its affiliates are:
Insurance products are offered through Frontwave Insurance Services, LLC, a subsidiary of Frontwave Credit Union. Insurance offered is not a deposit and is not federally insured or issued by or guaranteed by Frontwave. Insurance may be required as a condition of credit for some Frontwave loans and may be purchased from an agent or insurance company of the member’s choice.
Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value
Your credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.
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