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Planning & Investing

Financial & Retirement Planning

3Rivers is dedicated to helping our members with their financial planning needs. With products and services for every stage of life, our experienced team of CUSO Financial Services, L.P.* advisors brings your big picture into focus. From trusts and estate planning to investments and insurance, we believe in working with you to analyze your current financial condition, help you set goals, and create a tailored plan that addresses your personal needs.

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James Cashman with Student Lending

 

Already working with a member of the ClearFuture Financial Team? View Your Investment Accounts Online.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner. 
Investments through CFS*
* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC 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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union

Investments (Available through CFS*)

Regardless of your current life stage or financial situation, we’re here to help you plan for your present and your future. We're happy to guide you through your investment options so you can make your money work harder, and focus your attention on the things that matter most to you.

We’re dedicated to supporting our members and creating personalized financial plans – developing, implementing, and maintaining an investment strategy that best meets their lifetime financial goals.

Schedule Appointment

 

 

Already working with a member of the ClearFuture Financial Team? View Your Investment Accounts Online.

Member Portfolio View

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner. 
Investments through CFS*
* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC 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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union

Estate Planning

Estate planning is an important part of your personal financial plan, no matter your level of income. Even if you already have a will, an estate plan allows you to dictate how your assets will be transferred, reviews the tax considerations of those transfers, and makes sure someone you trust is handling your affairs in the way you want. Without an estate plan in place, the state will appoint an administrator to handle your affairs.

With the assistance of ClearFuture Financial available through CUSO Financial Services, L.P.* at 3Rivers, we can help can take some of the stress out of this planning process. 

Schedule Appointment
estate-planning

 

Already working with a member of the ClearFuture Financial Team? View Your Investment Accounts Online.

Member Portfolio View

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner. 
Investments through CFS*
* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC 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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union
CUSO Financial Services, L.P. and its representatives do not provide tax or legal advice. For such guidance, please consult your tax or legal professional.

Trust (through Members Trust)

Trusts give you the opportunity to achieve your personal, financial, and legal goals. Our team focuses on getting to know you and your story so we can work to grow, preserve, and protect your life’s assets – for you, and your loved ones.

A trust can help you personal, financial, and legal goals, like saving on estate taxes, minimizing probate, and avoiding court appointed guardianship. We also provide professional investment management, asset management, and ensure your personal wishes are accomplished after your passing.

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Trust services provided by MEMBERS Trust Company. Trust and investment products are not federally insured, are not obligations of or guaranteed by the credit union or any affiliated entity, involve investment risks, including the possible loss of principal.

Insurance

While you may already have insurance coverage, it’s always beneficial to review your policies and ensure all of your needs are covered. It only takes a few minutes to determine whether you and those you love have enough coverage. 

To learn more about our insurance options and protecting those you care about, contact us to schedule a no-obligation appointment today!

Schedule Appointment

 

Let your CUSO Financial Services, Inc.* Financial Advisor at 3Rivers help you review your current policies and determine whether you may benefit from additional insurance options to address issues including:

Personal Concerns:

  • Death before loan/debt repayment can be finished
  • Spouse outliving a life-only pension plan
  • Death before reaching personal financial goals
  • Retirement funding for spouse, child’s education
  • Tax-free income
  • Disability Insurance
  • Long-term Care Insurance

Family Concerns: 

  • Death of a primary income earner
  • Final expenses
  • Dependent income
  • Education
  • Family goals
  • Support of parents
  • Wealth transfer/preservation

Business Concerns:

  • Death of a partner or co-shareholder
  • Death of a key employee
  • Loss of a key employee to a competitor
  • Liquidity of the business in the event of an owner’s death
  • Special situations (e.g. stock repurchases, fund retirement benefits)

Already working with a member of the ClearFuture Financial Team? View Your Investment Accounts Online.

Member Portfolio View

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner. 
Investments through CFS*
* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC 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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union
Fixed insurance products are offered through CFS Insurance & Technology Services, LLC.

529 Savings Plan

Your kids may not be heading off to college just yet, but they’ll be receiving their acceptance letters before you know it. Start saving now, and you may be able to lessen the financial stress that comes with paying for a higher education significantly.

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529-saving

 

How a 529 Plan Works

  • State Tax Benefits: Plan participants can expect tax breaks (Indiana’s income tax credit is 20% of contributions up to $1,000 credit per year) so your investments may grow more quickly than in a savings account. Until you make withdrawals, you won’t receive a Form 1099 to report taxable or nontaxable earnings. For specific tax advice, please contact a tax professional.
  • Anyone Can Open or Contribute: Any U.S. citizen or resident alien, 18 or older, can open an account – regardless of income.  Parents, grandparents, other family, and friends can open an account for anyone they choose. You can even set one up for yourself!
  • Student Can Attend Any College Nationwide: Assets can be used toward the costs of nearly any public or private, two-year or four-year U.S.-accredited college, university, or technical school nationwide – as long as the school is eligible to participate in U.S. Department of Education student financial aid programs.
  • Low Maintenance: Start a plan for as little as $25. Make contributions of $25 or more – or set up automatic deposits – and know the plan assets are professionally managed by the state treasurer’s office or an outside investment company.
  • Flexible: Once every 12 months, you can roll the funds over into a new 529 Savings Plan option, tax-free, for the beneficiary or a member of the beneficiary’s family.

Looking for additional information? You can learn more about 529 Savings Plans at College Choice Advisor.

How 3Rivers Can Help

Sound like you could benefit from a 529 Plan? 3Rivers can help! Our CFS* financial advisors are more than happy to meet with you to discuss saving for college more in-depth and help you determine the right savings option for you and your family.

Already working with a member of the ClearFuture Financial Team? View Your Investment Accounts Online.

Member Portfolio View

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner. 
Investments through CFS*
* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC 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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union.
*Investors should consider investment objectives, risks, and charges associated with Section 529 plans prior to investing. Contact your investment representative or carrier for more information about municipal fund securities which is available in the issuer’s official statement or plan disclosure document which should be read carefully prior to investing. Most 529 plans are sponsored and administered by states. State tax benefits vary among the states, and some offer residents additional tax benefits if they invest in their own state plan. Consult your tax adviser for more information.

Financial Planning for Small Businesses

Want to offer a retirement plan for your employees but just don’t know where to begin? We can help take the guesswork out of selecting the right plan. You’ll feel confident knowing you are making the right choice for your employees and their future. Let us help find the right plan for you!

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Small Business Financial Planning Graph

401(k) Plans

Do you have more than 20 employees?

Offering a 401(k) can help a business attract and retain top talent in a highly competitive job market. You have a lot of control and flexibility over what your business contributes, who is eligible to participate, and when participation begins. Both you and your employees can enjoy the tax benefits of a 401(k) plan.

KEY ADVANTAGES

  • Contributions and earnings are not taxed until distributed
  • Employer has control over eligibility and contribution flexibility

ELIGIBLE EMPLOYER 

  • Any non-government employer

WHO CONTRIBUTES?

  • Employee
  • Employer (Match or optional contribution)

VESTING

  • Employee contribution is 100% vested immediately. Employer contribution may be subject to plan vesting schedule.

SOLO 401(k) Plans

Do you own your own business but have no employees other than yourself?

You might consider a Solo 401(k)—also known as a One Participant 401(k). This plan is designed for employers and their spouses and have the same rules and requirements as any other 401(k) plan. Contributions can be made both as the employer and the employee.

KEY ADVANTAGES

  • Save more for retirement, even with a low salary
  • Get both an employee salary deferral AND an employer profit-sharing contribution
  • Flexible

ELIGIBLE EMPLOYER 

  • Sole owner with no employees

WHO CONTRIBUTES?

  • Self-employed individual with no employees

VESTING

  • 100% vested immediately

Simple IRA Plans

Do you have 100 or fewer employees who earned $5,000 or more during the preceding calendar year?

If you want something a little less complicated than a 401(k), consider a Simple IRA plan for your workforce. Your company’s contributions are a tax-deductible business expense, and your employees can make pre-tax contributions with tax-deferred growth potential.

KEY ADVANTAGES

  • Reduces employee taxes
  • Easy and inexpensive to set up and maintain
  • No annual filing requirement

ELIGIBLE EMPLOYER 

  • Employers with 1-100 employees who earned $5,000 or more during the preceding calendar year

WHO CONTRIBUTES?

  • Employee
  • Employer (Matching or 2% of compensation)

VESTING

  • 100% vested immediately

SEP IRA Plans

What’s the difference between a Simple IRA and a SEP IRA?

For one thing, with a SEP IRA, only the employer makes contributions. If you’re self-employed, a sole proprietor, a business owner, or in a partnership, this might be the right choice for you. Your contribution can vary from year to year (0% to 25% of compensation), but the percentage must be the same for every employee.

KEY ADVANTAGES

  • Easy and inexpensive to set up and maintain. Generally, no annual filing requirement.
  • Business pays no taxes on investment earnings
  • Employer has flexibility in annual contributions

ELIGIBLE EMPLOYER 

  • Any employer

WHO CONTRIBUTES?

  • Employee

VESTING

  • 100% vested immediately

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner. 
Investments through CFS*
* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC 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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union
CUSO Financial Services, L.P. and its representatives do not provide tax or legal advice. For such guidance, please consult your tax or legal professional.

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