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Nest Egg

Have You Asked Yourself These Questions?

Have you recently inherited money and need help understanding your options? Have you recently changed jobs and want to know your rollover options? Are you looking for ways to potentially increase your income to help keep up with expenses?

You might have asked yourself many other questions that our CFS* Investment Advisors may be able to help you answer. Consider this list of Frequently Asked Questions. If you can answer any with a "Yes,"consider making a complimentary appointment today!

The CFS* Investment Advisors at Bay Federal Credit Union are available to help you construct a savings plan that you can feel good about — one that's affordable and sustainable. For those who are close to or already in retirement, Gina Bayer and Sam Solgan can review your income needs, align investments to help meet those needs, and even review your post-retirement income requirements.

What We Offer:

  • Complimentary, no obligation initial consultation with a CFS* Investment Advisor
  • Investments in a robust selection of mutual funds, stocks, bonds, and other securities
  • Management of retirement plans, 401(k), 403(b), and 457 rollovers**, and IRAs
  • Income and inheritance solutions
  • Fixed and variable annuities
  • Socially responsible investing

Preparing for your Consultation

After you have made your appointment with one our CFS* Investment Advisors, prepare the following to bring with you to your appointment:

Please note that it is advised to have 3 to 6 months of living expenses on reserve in a savings account before long-term investing.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the Credit Union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Bay Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

**Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.

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