Financial Planning

Plan | Grow | Protect

FFCCU has partnered with Nichole Coyle of Impact Wealth Management, Financial Advisor through 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 the advisors from Cetera Advisor Networks 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.

Nichole Coyle
Nichole Coyle
Certified Financial Planner, Financial Advisor

Downtown Cleveland Branch

2300 St. Clair Ave. Cleveland, OH 44114

Impact Wealth Mangement

Office: 216-621-4644 Ext. 1607

Cell: 330-607-2213

Email Me

Impact Wealth Management Can Offer the Following Services:

Financial Planning:

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:

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. Let Cetera Advisor Networks help you to decide which is appropriate for you.

Retirement Strategizing:

Need help planning ahead for your future? Cetera Advisor Networks provide the education and advisory services to help 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.

Insurance Planning:

As Independent Insurance Agents, Cetera Advisor Networks 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

Estate Planning:

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 Representative 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. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

*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.

If you are purchasing an annuity to fund any tax-qualified retirement plan (IRA), you should be aware that this tax-deferral feature is available with any investment vehicle and is not unique to an annuity. Carefully consider the features and benefits of the annuity before making the decision to purchase. The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company. Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks and how the variables are calculated. Distributions from traditional IRA’s and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59 ½, may be subject to an additional 10% IRS tax penalty. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

CETERA ADVISOR NETWORKS LLC OR ITS AFFILIATES OR DIVISIONS ARE NOT BANKS / CREDIT UNIONS, AND THE PRODUCTS WE OFFER ARE NOT FEDERALLY GUARANTEED OR FDIC / NCUSIF INSURED, ARE NOT DEPOSITS OR OBLIGATIONS OF, NOR GUARANTEED BY A FINANCIAL INSTITUTION, SUCH INVESTMENTS WILL FLUCTUATE IN VALUE AND INVOLVE INVESTMENT RISKS INCLUDING POSSIBLE LOSS OF PRINCIPAL. Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by a federal government agency.

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