At People Driven Credit Union (PDCU), we understand that navigating your financial future can be daunting. That’s why we’re proud to offer our members exclusive access to professional financial planning services through Osaic FA. Our partnership ensures that you have the tools and guidance necessary to make informed decisions about your financial well-being.
How financial planning can help
Financial planning can help you make more informed decisions about your money, investments, and retirement. Whether you are just getting started or reviewing an existing plan, a financial professional can help you look at the full picture.
- Set short-term and long-term financial goals
- Review investment options
- Assess your risk tolerance
- Plan for retirement income
- Understand how investments may affect your tax situation
- Review progress and adjust your strategy over time
- Discuss buy/sell agreements for business owners
Best for
Financial planning may be helpful when you want guidance for a major life stage, financial decision, or long-term goal.
- Members preparing for retirement
- Members reviewing investment options
- Families planning for future income needs
- Members who want help understanding risk tolerance
- Business owners reviewing long-term planning needs
- Members who want to check whether their current strategy still fits
Meet your financial planning resource
Mary Prebish with Osaic FA is available as a financial planning resource for People Driven Credit Union members. Mary can help you review your goals, discuss your current financial picture, and explore strategies that may support your long-term plans.
Financial planning is not one-size-fits-all. Your strategy should reflect your income needs, risk tolerance, time horizon, family goals, and retirement plans.
What to expect from a financial planning conversation
A financial planning conversation can help you organize your questions and review your next steps. You may discuss where you are today, what you are working toward, and what decisions you need to make along the way.
- Your current income, savings, and investments
- Your retirement timeline
- Your comfort level with investment risk
- Your family or beneficiary goals
- Your current financial concerns
- Your questions about retirement income
- Your progress toward your financial plan
Financial planning services
Osaic FA works with clients to prepare a profile that considers needs, goals, time frames, and risk tolerance. This information becomes the foundation for ongoing conversations and recommendations.
| Planning Area | How It May Help |
|---|---|
| Investment planning | Review funds, asset allocation, and investment options based on your goals and risk tolerance. |
| Retirement planning | Estimate retirement income needs and review when and how you may want to retire. |
| Tax considerations | Discuss how investment decisions may affect your overall tax situation. |
| Progress reviews | Review your plan over time and consider adjustments when life or market conditions change. |
| Business planning | Discuss planning needs for business owners, including buy/sell agreements. |
Trust accounts at PDCU
A trust can help transfer assets to a beneficiary according to the terms of the trust document. Each trust is created by an attorney and customized according to the person’s wishes.
To properly administer a trust account, People Driven Credit Union requires a copy of the complete trust document. PDCU does not provide legal or tax advice, so members should work with a qualified attorney or tax professional when creating or updating a trust.
Financial planning and trust accounts are different
Financial planning and trust accounts can both be part of a long-term strategy, but they serve different purposes.
| Topic | Purpose | Who Helps |
|---|---|---|
| Financial planning | Helps you review goals, investments, risk tolerance, retirement income, and long-term strategy. | Financial professionals through Osaic FA. |
| Trust accounts | Help administer account ownership based on the terms of a trust document. | PDCU can help with account setup requirements. An attorney should prepare the trust document. |
Before your appointment
You do not need to have every answer before meeting with a financial professional. It can help to gather a few details so the conversation is more useful.
- Your main financial goals
- Your current savings and investment information
- Your expected retirement timeline
- Your income and estimated monthly expenses
- Questions about retirement, investments, or risk
- Trust documents, if you are asking about a PDCU trust account
Frequently asked questions about financial planning
People Driven Credit Union members have access to financial planning services through Osaic FA. Investment and advisory services are offered through Osaic FA, Inc. People Driven Credit Union is not affiliated with Osaic FA, Inc.
Mary Prebish with Osaic FA is available as a financial planning resource for People Driven Credit Union members. She can help review your goals, investment questions, retirement planning needs, and long-term strategy.
A financial professional can help you review investment options, assess risk tolerance, calculate retirement income needs, understand tax considerations, review your progress, and adjust your strategy over time.
No. Securities and investment advisory services are not insured by NCUA or any other federal agency, are not deposits of any credit union, are not guaranteed by the credit union, involve investment risk, and may lose value.
No. People Driven Credit Union is not affiliated with Osaic FA, Inc. Credit union products are provided by People Driven Credit Union.
Yes. People Driven Credit Union can help administer trust accounts when the required documentation is provided. A trust should be created by an attorney, and PDCU requires a copy of the complete trust document.
No. PDCU does not provide legal or tax advice. Members should work with a qualified attorney or tax professional when creating, reviewing, or updating a trust.
You can contact People Driven Credit Union to schedule an appointment and ask about financial planning services through Osaic FA.
Disclosures
Securities and investment advisory services are offered through Osaic FA, Inc., member FINRA/SIPC. Investments are not insured by NCUA or any other federal agency, are not deposits of any credit union, are not guaranteed by the credit union, involve investment risk, and may lose value.
People Driven Credit Union is not affiliated with Osaic FA, Inc. Credit union products are provided by People Driven Credit Union.
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