Your Financial Strategy

Individual

Financial strategizing today is a crucial, but often a complex and confusing process. That’s why many of our members 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.

Member satisfaction is our highest priority. That’s why our CPFS representatives are there for you before, during and well after the process.

A Competitive Product Portfolio

Life Insurance and Annuities can play an important part in your financial design. Fill out this form to have a representative contact you to begin your financial strategy discussion.

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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. Annuities 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. Cedar Point Financial Services is not affiliated with Penn Mutual Life Insurance Company. 

Business Strategy

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 preparation, 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.

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 are 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.

• 401(k) Overlay Plans
• Supplemental Employee Retirement Plans (SERPs)
• Deferred Compensation Plans
• Restricted Bonus Plans or Executive Bonus Plans
• Split Dollar Plans
• Retirement Planning

Check the background of this investment professional.

Covering College Costs 

• College Funding Calculator
• Learning Center
• FAFSA Basics
• Student Loans
• Find College Scholarships

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