This is Frontwave Credit Union's Member Newsletter for First Quarter 2019
Second Quarter 2025
1278 Rocky Point Dr. Oceanside, CA 92056
frontwavecu.com
Q2 NEWS
Spring Into Your Financial Future
Whether you’re saving more, spending smarter, or investing with confidence, we’ve got your back. In this issue: Go behind the scenes with LPL Financial for a look at the Guided Wealth Portfolio. Get the latest from our President/CEO. Catch up on Member news, key updates, and can’t-miss webinars covering everything from staying steady in uncertain markets to securing lifetime income with annuities — and more.
Dream Big. We Got You.
Frontwave Credit Union
Here are 10 tips to reduce waste, save money, and gain control. Visit our blog for the complete list. Want to Freshen Up Your Finances?
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GUIDED WEALTH PORTFOLIOS
NOTES FROM THE CEO
Dear Frontwave Members,
We’re off to a strong start in 2025, and I hope you are too.
Whether you’re working toward personal goals, building financial stability, or taking on new challenges, this time of year is about progress and possibility. It’s a chance to reflect and build momentum for what’s next.
At Frontwave, growth isn’t just about us. It’s about how we serve you.
Easy Online Investing with the Guidance of a Financial Advisor
Growth isn’t always easy, but it creates opportunity. Real progress happens when we embrace change, move forward with confidence, and build on a strong foundation. At Frontwave, growth isn’t just about us. It’s about how we serve you. That’s why I’m excited to share an important milestone. Frontwave Credit Union is growing through the acquisition of Community Valley Bank (CVB). The addition of CVB will allow us to expand our footprint as we continue living out our mission to make financial dreams come true in the communities we serve every day. This move enables us to serve more Members, businesses, and communities across Southern California. CVB has built a strong
reputation as a trusted financial partner, and by joining forces, we’re ensuring more individuals and businesses have access to the financial tools and support they need to succeed. As we grow, our aim is to be a force for good in your financial life. Our commitment to service, trust, and financial empowerment stays at the core of everything we do. I also want to thank everyone who participated in our annual Board of Directors election. Your vote helps shape the future of Frontwave and ensures we continue putting Members first. Please join me in congratulating Michael Naylor, Gerald Polyascko, and Ann Regan on their election to the Board of Directors. Their leadership will guide Frontwave as we grow, innovate, and find
new ways to serve you. As you look ahead, I encourage you to think about your own goals and the steps you’re taking to reach them. Whether it’s strengthening your financial foundation, planning for the future, or making a fresh start, we’re here to support you every step of the way. Thank you for being part of our journey. The best is yet to come. Dream Big. We Got You.
risk preferences, specific financial goals, and the time frame for those goals, you have the ability to review your account and adjust your goal’s details at any time through your Account View investment portal. You’ll also receive regular updates via email on market conditions, and your advisor will provide ongoing monitoring, to ensure your account continues to reflect your goals and risk preferences. HOW IT WORKS With GWP, you’ll have a financial advisor dedicated to your account, receive diversified allocations based on your financial goals, and benefit from trading techniques that may increase diversification and can help reduce tax impacts. By investing with us, you’ll enjoy: • Financial advice: Your advisor will review your suggested portfolio allocation to make sure it’s right for you, and they’re available any time you have a question about your account or investing strategy. When your life or financial goals change, your advisor can help determine if your GWP portfolio continues to be the right solution for you.
Invest for your future with a digital investment platform that combines the benefits of a personal financial advisor with sophisticated technology. Through our Guided Wealth Portfolios (GWP) investment platform, you get our experience and expertise with the added convenience and transparency of a digital investing solution where you can view and update your accounts at any time. ADVISOR RELATIONSHIPS While other digital investing solutions also offer online investment management, most don’t include a direct, personal relationship with a financial advisor — unless you have a substantial amount to invest. GWP provides you with a personal advisor dedicated to you and your financial goals. All you need is $5,000* to get started investing for retirement, a major purchase, or general investing purposes. ACCESS AND CONTROL With GWP, you’re in the driver’s seat. While your investment-allocation track will be based on your
Warm regards,
Bill Birnie President/CEO Frontwave Credit Union
NEWS AND NOTES
• Portfolio design: LPL Research, an experienced money manager, chooses the investments for GWP’s portfolio models. • Consistent monitoring: Your portfolio is rebalanced annually to keep it on track as markets move. • Tax-loss harvesting : Your accounts will also benefit from quarterly reviews for tax-loss harvesting opportunities. For example, if an investment experiences a loss, we may sell it to offset taxable gains in your portfolio. The sold investments are then replaced by similar investments to maintain your asset allocation — until it’s appropriate to buy back the original
Clippers Military Night More than 4,000 fans packed Frontwave Arena on March 2 to watch the San Diego Clippers take on the South Bay Lakers. While the final score didn’t go the home team’s way, the real victory was the incredible support for our military community. As proud sponsors of Military Night, we were honored to participate in the event, featuring custom Clippers jerseys auctioned off to benefit the Frontwave Foundation. Thanks to everyone who came out to celebrate and support those who serve!
security, so you get the tax benefits while keeping a properly diversified portfolio.
The Guided Wealth Portfolio platform can be found on the Frontwave website by going to the ‘Personal’ tab and then looking under the ‘Plan’ section.
Guided Wealth Portfolios (GWP) is a centrally managed investment program sponsored by LPL Financial LLC (LPL). GWP generates investment recommendations based upon model portfolios constructed by LPL. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL, LPL is not an affiliate of such advisor. LPL investment advisors are registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC. All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing. The financial professionals at Frontwave Investment Services are registered representatives with, and 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:
Welcome to the Strike Force! Frontwave is proud to officially sponsor the San Diego Strike Force, celebrating their first season at Frontwave Arena. As part of the Indoor Football League (IFL), the Strike Force brings fast-paced, high-energy football to San Diego, kicking off its home opener on March 31. We’re improving the action with exclusive fan experiences, giveaways, and community partnerships. Each game, Frontwave will be hosting 500 fans to join the “Striker Squad” in our exclusive End Zone seats, plus we’re teaming up with local youth football teams and raising funds for the Frontwave Foundation. Get ready for a season packed with excitement. We can’t wait to see you on game day!
WEBINARS
FRONTWAVE GIVE360
LIVE WEBINAR
Tuesday, April 29 6:00pm - 7:00pm Understanding Medicare
REGISTER
Learn about Medicare Parts A, B, C, and D. TruStage can help you choose coverage, sign up, and plan for healthcare costs in retirement.
LIVE WEBINAR
Understanding Your Rollover Options
LIVE WEBINAR
Build Your Monthly Spending Plan
Tuesday, May 27 6:00pm - 7:00pm
REGISTER
Helping Pets Displaced by Wildfires
Wednesday, April 30 11:00am- 12:00pm
REGISTER
Leaving a job? Learn what to do with your retirement savings. TruStage will cover your options, the pros and cons, how rollovers work, and more.
Have you struggled to stick to a spending plan? Join GreenPath to learn how to create a practical monthly budget.
Teeing Up for a Cause
Thanks to everyone who donated during our recent drive with Freddie’s Place Animal Hospital! Your support helped animals affected by the California wildfires get the care and supplies they needed.
LIVE WEBINAR
Tuesday, June 10 6:00pm - 7:00pm Income for Life
LIVE WEBINAR
Golf season’s here, and Frontwave Give360 is proud to support tournaments that give back to veterans, service members, and our community.
How to Weather a Bear Market
REGISTER
Tuesday, May 13 6:00pm - 7:00pm
REGISTER
Learn about retirement income, risks, and strategies. TruStage will show how annuities can help guarantee income for life.
Shelter to Soldier Charity Golf Tournament – April 25 Golf to support veterans and rescued service dogs. Enjoy food, drinks, fun and a life-changing cause.
Understand bear markets, control emotions, and protect your goals. TruStage shows how annuities can help.
LIVE WEBINAR
Learn More
Straight Talk About Women and Investing
LIVE WEBINAR
Wednesday, May 14 11:00am- 12:00pm Navigating Financial Uncertainty REGISTER Feeling financial uncertainty? Join GreenPath to learn the first steps and how to find support.
Golf With a Hero – May 9 Tee off to support the Camp Pendleton Historical Society. Includes lunch, auction, and fun!
Tuesday, June 24 6:00pm - 7:00pm
REGISTER
Discover key investment principles, smart asset allocation, investor behavior tips, and how mutual funds and annuities differ.
Learn More
FOUNDATION
Investing in Brighter Futures
The Frontwave Foundation proudly supports organizations that uplift and empower our community. Recent donations are helping provide scholarships, mentorship, and critical support for kids and families. Rising Stars Scholarship Program The Oceanside Chamber’s Rising Stars Scholarship Program supports local seniors overcoming adversity. We also sponsor the monthly breakfasts that recognize their achievements.
Frontwave Arena Charity Golf Classic
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Casa de Amparo
What a day on the greens! The Frontwave Arena Charity Golf Classic, presented by Frontwave Credit Union, brought golfers, community leaders, and sports legends together on March 24 at The Havens Country Club in Vista, CA. We teamed up with our partners at Frontwave Arena and players from the San Diego Sockers and San Diego Clippers, bringing extra energy, camaraderie, and friendly competition to the course. From big drives to clutch putts, every swing supported local initiatives through the Frontwave Foundation. Stay tuned—we’ll share the fundraising total soon!
The Blue Heart Foundation’s mission is to empower young African American males in San Diego County. Since 2013, the foundation has provided mentorship, resources, and emotional support to help them create a brighter future.
Learn More
The Blue Heart Foundation
Casa de Amparo’s mission is to prevent and treat child abuse and neglect. Its vital programs foster healing, growth, and healthy relationships. A recent tour showed the real impact on children and families in need.
Learn More
CONTACT INFO
HOLIDAY CLOSURES
STATISTICAL REPORT
Express Line 800.829.7676 Member Solution Center 760.631.8700 or 800.736.4500 Mon-Fri: 7am – 6pm Sat: 9am – 4pm GreenPath Financial Wellness 877.337.3399 Frontwave Investment Services 760.439.6960 Frontwave Insurance Services, LLC 844.788.0820
Frontwave will be closed on the following holidays this quarter:
As of March 2025: Members: 124,724 Assets: $1.44 billion Total Shares: $1.16 billion Loans Outstanding: $952 million
Memorial Day Monday, May 26 Juneteenth Thursday, June 19
Remember, Express Line, Online Banking, Mobile Banking and ATM services are available 24/7.
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