Certified Financial Planner, Nichole Coyle, Helps You with Your Financial Planning

When it comes to financial planning, you may stumble around in the dark. Don’t do that because you can really hurt yourself! Instead, take advantage of FFCCU member benefits such as financial planning services offered through Cetera Advisor Networks.

In fact, we’d like to introduce you to Nichole Coyle, a CERTIFIED FINANCIAL PLANNER™, who works in our branches helping members with their financial planning. She’ll be guest blogging and giving you valuable financial advice. Let’s get to know Nichole!

Welcome Nichole Coyle, Certified Financial Planner

If we haven’t met yet, my name is Nichole Coyle and I am a Certified Financial Planner™ working in partnership with the Firefighters Community Credit Union (FFCCU). I started as an advisor in 2010 and I’ve been helping individuals and families to achieve their financial goals ever since.

Back when I first started college, I thought that I wanted to be a teacher. I quickly realized that while I had a passion for helping and educating people, I wasn’t meant to work in a school. Meanwhile, I was learning the hard way how to manage my finances and started learning more about personal and small business finance.

After some searching, I found my calling as a financial advisor, helping others to intentionally and effectively manage their money. I worked with a large, nationwide firm for several years, and while I am grateful for all that I learned there, I found I could make a more powerful impact as an independent financial advisor.

This realization eventually led me to join teams with the Firefighters Community Credit Union. Over the past four years, I have enjoyed helping members work towards and achieve their financial goals.

I also now have the honor of creating these blog posts each month as a guest contributor. If you are looking for practical, helpful financial advice, then you are in the right place. You can expect my monthly blog posts to include information that is relatable and just about as exciting as a blog about money can be. Expect to receive answers to your questions, tips, and simple advice that can make a big impact.

Here’s What to Expect

With 10+ years of experience as a financial advisor, you can expect well-researched, fundamental information that you can implement to help you achieve your financial goals. Do you have questions about retirement? Would you like to help fund your child or grandchild’s college education? Do you have student loans that overwhelm you? Are you looking to buy a house or planning for another big purchase?

We have some great content planned to help answer all of these questions and more!

In the coming months, if you:

• Find value in one of the blog posts
• Want to dive a little deeper
• Have a specific question or a whole list of questions that you want to be answered

I’d love to meet with you to discuss financial planning!

Let’s Work Together!

Scheduling an appointment is easy. If you’d like to talk further, give me a call or send me an email. We’ll find a time to meet at one of our seven branch locations, whichever is most convenient for you.

Our first meeting will be the perfect time for you to ask questions. Plus, you may bring any documents you would like me to review. Our conversation will be directed by you and your specific circumstances. For instance, we’ll talk about your goals and any concerns you currently have. I’ll work to provide solutions tailored to your unique situation.

Working with a financial planner, you should never feel pressured or uncertain when faced with decisions. My job is to help educate you about the options you have available and develop a course of action. Whether it’s saving for retirement, paying down debt, or advice in another area, I’ll help you implement those solutions so you can achieve your financial goals.

Even if you don’t have a specific goal in mind or a list of questions to ask, scheduling a meeting to review your current financial situation is a good idea. It’s smart to review your current goals, plans, assets, and debts with a professional on a regular basis to make sure everything is working the way it should.

I’m very excited to be able to share some of my expertise and knowledge with you in this blog.

Oh, and don’t miss a blog post, sign up here to receive helpful information each month right in your inbox.

Nichole M. Coyle
CERTIFIED FINANCIAL PLANNER™
20333 Emerald Pkwy
Cleveland, OH 44135
216.621.4644 x1607

Securities and advisory services offered through Cetera Wealth Services LLC, member FINRA/SIPC, a Broker-Dealer and a Registered Investment Advisor.

Cetera is not affiliated with the financial institution where investment services are offered or any other named entity.

Investments are: Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by a federal government agency.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

Registered Representative of Cetera Wealth Services 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 Wealth Services  LLC site at www.cetera.com/cetera-wealth-services. 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 Wealth Services 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 Wealth Services 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 Wealth Services LLC site at cetera.com/cetera-wealth-services.

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 WEALTH SERVICES 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.

Posted In: FFCCU News and Info, Member Perks, Tips For Managing Finances