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
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