Plan | Grow | Protect
FFCCU has partnered with Nichole Coyle and Patrick McDonough, Financial Advisors with Cetera Advisor Networks as a benefit to our members. These advisors provide one-on-one attention and help prepare you for all of life’s financial needs. Best of all, you can meet with our partners from Cetera at any of our branch locations. You may also check the background of this firm and the background of this investment professional on FINRA’s BrokerCheck.
-Tracy M. H.
-John & Cindi
Cetera Can Offer the Following Services:
Mutual Funds*, REITs and UITs*, Stocks and Bonds*, Government Securities*, Tax Deferred Variable Annuities*, Variable Universal Life*, Fee-based Financial Planning*, Retirement Planning, Lump Sum Retirement Rollovers and Traditional and Roth IRAs
Asset Preservation and Medicaid Planning:
Confused by Medicaid law? That’s the primary cause of asset loss and impoverishment among seniors needing long-term care. Take advantage of the education and planning available through Cetera Advisor Networks, so you won’t needlessly deplete your entire life savings in an attempt to become eligible for Medicaid.
Tax-deferred annuities are offered by insurance carriers. One advantage is tax-deferred growth, regardless of your tax bracket or your earned income. Second, they also bypass probate and pass directly to a beneficiary in the event of the owner’s death. Third, a variety of annuities let you choose between the features of a fixed annuity, the growth potential of an indexed annuity, and the mutual fund-like features of a variable annuity. Finally, Tax Deferred Annuities now offer Lifetime Income Benefit Riders for members and their spouses*. Let a Cetera Advisor help you to decide which is appropriate for you.
Need help planning ahead for your future? Cetera Advisors provide the education and advisory services to meet your retirement needs. They provide pre- and post-retirement planning and guidance with PLOP and DROP payout options. They can offer financial advice on Deferred Comp, 401(k), and 457 rollover options.
As Independent Insurance Agents, our Cetera Representatives can shop for the best coverage for you out of the numerous carriers they represent. This ensures you’ll get the policy best suited for you at competitive prices. No need to shop around! The types of policies available include: Term Life Insurance, Permanent Life Insurance, Disability Insurance, Mortgage Protection Life, Mortgage Protection Disability, Accident, Long-Term Care, Medicare Supplement, Individual Health Plans and Wealth Transfer Policies
Cetera Advisor Networks works with attorneys who can help identify which type of estate planning is right for you. Wills, trusts, powers of attorney, living wills and more can be drafted on your behalf. Planners can help coordinate the funding of trusts and change beneficiaries, where necessary, to ensure your wishes coordinate with your documents. Fees are reasonable and are always quoted before you agree to engage an attorney. Consult your legal or tax counsel for advice and information concerning your particular circumstances. Neither Cetera Advisor Networks nor any of its representatives may give legal or tax advice.
Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com. View Cetera Privacy Promise. Other important info here. View the Business Continuity Plan.
*Securities and investment advisory services offered through Cetera Advisor Networks LLC, member FINRA / SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. (Firm-approved alternative non-affiliated disclosure may be used in place of this statement). This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com.