Long Term Planning Services
CPFCU and CPFS, Inc.
Cedar Point Financial Services, Inc.
A wholly owned subsidiary of Cedar Point Federal Credit Union
Cedar Point Financial Services, Inc. provides a wide array of financial and insurance services primarily to Cedar Point Federal Credit Union members and potential members including the promotion of education towards personal financial responsibility.
We are a financial services firm committed to helping people pursue their financial goals. We offer a wide range of financial products and services to individuals and business owners. We believe you will be better able to identify your goals and make sound decisions to reach them by our providing sound financial information.
Please call us if you have any questions about our firm or the range of financial products and services we provide. Our firm has a relationship with a variety of financial services companies, so if we don’t have a product or service, we may know a group that does.
Click here to have a Cedar Point Financial Services, Inc Professional help you with your planning process.
Fiscal Fitness Seminars are free and open to the public, are conducted at our Headquarters Office,
and are led by Colleen Blundell of CPFS, Inc. unless otherwise stated.
WHAT'S UP NEXT
All seminars are conducted at the following location:
22745 Maple Road, Lexington Park, MD 20653
Drinks and snacks will be provided at all sessions.
Estate Planning is not just "death and taxes." The two most important goals of estate planning are to assure your financial security during your lifetime and making sure that your property is transferred according to your wishes.
Estate Planning Basics
presented by Joann Wood
Wednesday, February 8, 2017, 6:00 p.m.
In this seminar, guest speaker Joann Wood of The Law Office of Joann M. Wood, LLC will help you better understand these goals so that you can get a jump start on your plans for the future.
This is a very popular seminar and always fills up quickly. If you are interested in attending, please do not hesitate to register. When the seminar is full, we will create a wait list.
To register for this or any other seminar, please contact
Cedar Point Financial Services
301-863-7071 ext. 8463
Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.
Simply click on one of the general financial topics and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.
Will you outlive your retirement income? Are your financial expectations for the coming year realistic?
Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics to read the article in its entirety.
Welcome to our tax library! We've put together a collection of resources to help you manage your taxes as well as prepare for the upcoming tax season. Simply click on one of the topics and you'll find a selection of tools and information related to taxes and tax strategies.
What does that mean...? This alphabetically ordered glossary list can help you understand your options more clearly.
For assistance with Stocks, Bonds, Mutual Funds and other Investment Services
click here to contact a Cedar Point Financial Services, Inc Professional.
Click on the button below for information about Tiered Money Market, IRA Shares,
Coverdell Education Savings Accounts
and other Federally Insured Share Investments
Click on the button below for information about Certificate Accounts, IRA Certificates,
Easy Builder Certificate Accounts with Young Investor Option,
Coverdell Education Savings Account Certificates
and other Federally Insured Share Investments
Financial planning today is a crucial, but often a complex and confusing process. That’s why many of our clients rely on their representative to guide them through it. Professional expertise and experience, backed by a wide array of products and easy-to-understand consumer materials, can give you solid financial options for both your immediate and future needs.
But, as you well know, life — and its needs — can change. To accommodate that change, our representatives are available to help you revisit and revise the financial decisions you make.
Customer satisfaction is our highest priority. That’s why our producers are there for you before, during and well after the sale.
A Competitive Product Portfolio
Life Insurance and Annuities can play an important part in your financial plan. Click here to have a Cedar Point/Penn Mutual Financial Professional help you with your planning process.
Insurance products are not deposits, obligations of, or guaranteed by Cedar Point Federal Credit Union and are not insured by the National Credit Union Share Insurance Fund (NCUSIF), or any other agency of the United States, Cedar Point Federal Credit Union, or Cedar Point Financial Services, Inc.
Please request a product brochure from a Cedar Point Financial Professional for further information regarding the products discussed.
This information should not be construed as tax advice applicable to each individual. Please consult a qualified tax advisor regarding your individual circumstances.
Investors should carefully consider the fund's objectives, risk, charges, and expenses before investing. Please refer to the prospectus, as it contains this and other pertinent information, carefully before investing.
All guarantees are based upon the claims-paying ability of the issuer. Annutiies and life insurance policies offered by Cedar Point are primarily provided by The Penn Mutual Life Insurance Company and The Penn Insurance & Annuity Company, a wholly owned subsidiary of Penn Mutual. Products and features may not be available in all states.
75% of business failures follow the unexpected death of the founder.
Source: Prince and Associates. Analysis of 749 family businesses
that failed within 3 years of transfer to next generation.
Ensure your business continues without you
What would happen to your business if you weren't there to run it due to your death, disability or retirement? The business you've worked so hard to build could be threatened. But with proper business continuation planning, you can help ensure that your business will go through an orderly succession when you are gone.
Reward your key employees with Selective Employee Benefits
While your business owes much of its success to your vision and efforts, it may have also grown because of the talent and dedication of your key employees. Especially in today's competitive marketplace, it is important to attract and reward key employees. One of the best ways to do that is by offering them Selective Employee Benefits.
Click here to have a Cedar Point Financial Professional help you with your planning process.
Make sure your business remains successful. Reward your key employees with Selective Employee Benefits.
Recruiting, retaining and rewarding your key employees can be one of the toughest jobs you'll ever face as a business owner, especially in today's highly competitive marketplace. One of the best things you can do for those employees, and for yourself, is to offer selective employee benefit plans.
Traditional qualified plans can place limits on earnings, contributions and benefits, resulting in an "income gap" for highly compensated employees. Plus, there's no cost recovery for your company's out-of-pocket costs for the plans. And there is most likely no "golden handcuffs" in them to help you retain key employees.
Selective Employee Benefit Plan options
There are a variety of plan options that, depending upon how your company is structured and your retirement income objectives, allow you to provide enhanced, tax-favored benefits to yourself and select key employees.
Click here to have a Cedar Point Financial Professional help you develop a Selective Employee Benefits Plan based on your objectives and situation. Make your financial representative a valuable member of your business planning team.
This information is provided at the request of the Social Security Administration as a service to our members. Please contact your local Social Security office with any questions about content or resources. Cedar Point is not responsible for the content or update of these alternate sites. The privacy and security policies may differ from those practiced by Cedar Point.
For additional information please visit http://www.socialsecurity.gov/
The Social Security Administration encourages everyone to set up a my Social Security account. This account will give you access to the information you need to make smart decisions about your benefits.
Articles from Social Security - Cedar Point is not responsible for the content of these articles.
College Cost Planning
Taxes & IRAs
Cedar Point Financial Services, Inc. offers the following links as a service to our members. Cedar Point uses a professional version of the Federal Employee Benefit Calculator and can provide a detailed analysis of all your benefits. This will allow you to utilize professional planning services to make educated choices regarding your benefit options. All this is provided at no cost to our members!
Cedar Point is not responsible for the content or update of these alternate sites. The privacy and security policies may differ from those practiced by Cedar Point.
For more information about how Cedar Point Financial Services, Inc. can help you plan for your future,
Call 301-863-7071 ext. 8463 to make an appointment with one of our Registered Representatives.
Securities and Investment Advisory Services offered through registered representatives of Hornor, Townsend, & Kent, Inc. (HTK),
Registered Investment Advisor, Member FINRA/SIPC, 4 North Park Drive, Suite 400, Hunt Valley, MD 21030 410-821-2920.
Cedar Point Federal Credit Union and Cedar Point Financial Services, Inc. are independent of HTK.
Our representatives are licensed to offer insurance and securities in MD,
including AZ, CA, CO, CT, FL, GA, IL, ME, MI, MO, NC, PA, SC, TX, VA, and WI for securities only.
This is not an offer or solicitation in any state where not properly licensed or registered.
Not Insured by the NCUA
or any Federal
May Lose Value
Not a Deposit or Guaranteed by the Credit Union or any
Credit Union Affiliate