Plan and invest with ClearFuture

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.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. 3Rivers Federal Credit Union and ClearFuture Financial are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using ClearFuture Financial, and may also be employees of 3Rivers Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, 3Rivers Federal Credit Union or ClearFuture Financial. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit Institution Plain English Disclosure for more detailed information.

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