FINANCIAL PLANNING

Your Financial Future is Important to Us

Fortera Wealth Management– Infinex Financial Advisors are  knowledgeable financial professionals, committed to creating every advantage for you and your unique financial situation. Whether you want to save for your future more strategically, build up your retirement nest egg, or are unsure about the right investment for you, they can help. Fortera Wealth Management offers access to an array of investments and insurance products through Infinex Investments, Inc.*

We are dedicated to providing you investment options through Infinex Investments, Inc. with an emphasis on quality service and impartial advice and guidance. We are here to guide you during any stage of your financial life:

  • Social Security Strategies
  • Meaningful Life Events
  • Retirement Planning
  • Education Planning
  • Insurance Needs
  • Pension Analysis
  • Wealth Transfer

  

Products and Services

Our vision at Fortera Credit Union is to provide our members with superior financial solutions and unparalleled service experience. Whether you’re looking for overall financial guidance, assistance with a specific financial goal, creating a comprehensive financial plan, or just want a second opinion, we’re here to help.

Our Fortera Wealth Management – Infinex Financial Advisors can provide you individualized service and are here to work directly with members like you.

Services offered include:

Retirement Planning

  • Traditional IRA
  • Retirement Budgeting
  • 401(k), 457, & 403(b) Rollover Options**
  • Pension Analysis
  • Social Security Strategies

Education Planning

  • 529 Plans
  • Coverdell Education Savings
  • Custodial Accounts

Insurance Needs

  • Term Insurance
  • Whole Life, Cash Value Insurance
  • Long-Term Care Insurance
  • Insurance Analysis

Business Owners

  • Solo 401(k) & SEP IRAs
  • Employee Retirement Plans
  • Risk Management
  • Succession Planning

Investment

  • Mutual Funds & ETFs
  • Managed Accounts
  • Individual Stocks & Bonds
  • Fixed and Variable Annuities

Other Services

  • Reviewing your current Financial Plan
  • Retirement Planning
  • IRA, 401(k), 403(b), 457 Plans, and TSP Rollovers
  • Retirement Income Strategies
  • Education Funding
  • Life and Long-Term Care Insurance

 
*Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value.

**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 judgements, required minimum distributions and possession of employer stock.

Meet Your Advisors    

 
Susan Peyret

Vice President Investment Services, Fortera Credit Union
Financial Advisor, Infinex Investments, Inc.

Susan is the Vice President of Investment Services for Fortera Wealth Management.  Prior to coming to Fortera Susan worked as an Investment Advisor for Amplify Credit Union. She has also served as a Financial Advisor for Merrill Lynch.  Susan has over ten years of experience in the area of Financial Services and has a strong commitment to educating members.

 
Cris Furey

Financial Advisor, Infinex Investments, Inc.

Cris is a Financial Advisor.  Prior to coming to Fortera Cris worked for Mercer County State Bank (MCSB) based in Mercer County, Pennsylvania.  Cris has thirteen years of experience in the financial services field. During her tenure at MCSB, she served as the Vice President of Financial Services and Vice President of Business Development. She is well versed in all aspects of financial planning.

 

*Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value.

Life Stage Investing

Creating a Financial P.L.A.N.

The road to financial freedom can often be more easily obtained by following a plan created to help you reach your specific investment goals. We can help you take the first steps toward building a confident financial future by designing a P.L.A.N.

How to Create a Financial P.L.A.N.
Pay yourself first

Promise yourself to take advantage of your employer's retirement plan, whether it's a 401(k), a 403(b), or any other kind of contributory plan.

Consider Dollar Cost Averaging instead of investing assets in a lump sum. Frequently investing smaller amounts can be more practical for many and can help lower the average cost per share.

Live within your means

Promise to pay off your credit cards. Credit card debt is the number one reason most people can't get ahead. Paying the minimum balance due on a $10,000 credit card balance with an 11% interest rate could take 20 years to pay off.

It's often more rewarding to save for something versus putting it on a card and getting stuck with payments. If you can't afford it, think twice about buying it.

Financial fitness is a commitment and a lifestyle, similar to going to the gym and eating right.

Assure your family's stability
  • Write or update your will. Wills are not just for the rich. Regardless of how much or how little money you have, a will may ensure that whatever personal belongings and assets you have will go to beneficiaries you designate.
  • If you have children, a will allows you to appoint a guardian for them in the event of your death.
  • Life events, such as buying a home or having a child, could change the amount of coverage a family needs. Work with a financial professional to assess the amount of coverage you and your family may need.
Never stop learning
  • Write down your financial goals. This is your road map to financial freedom.
  • Work with a financial advisor to stay up-to-date on new investment opportunities available to you and your family.
  • Regular reviews can help keep your investment choices on pace with your needs based on risk tolerance and time horizon. 


*Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value. Dollar Cost Averaging, a systematic investment plan does not assure a profit and does not protect against loss in declining markets. Such a plan involves continuous investment, so investor should consider financial ability to continue purchases through periods of low price levels.

*We do not provide legal or tax advice. Consult your legal and/or tax advisor.

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Retirement Planning

Many of us look forward to the day when we’ll be spending time with the grandchildren and not time sitting in traffic on the way to the office. However, retirement does not simply begin at 65; it’s a journey that begins today.

At Fortera Credit Union, our Fortera Wealth Management – Infinex Financial Advisor can meet with you to uncover your needs and long-term goals, then build a complimentary financial plan that will help you to uncover:

  • Which investment strategy is appropriate for you, your family, and your future
  • Review various asset allocation models and investment vehicles used to build a nest egg
  • Your risk tolerance and time horizon
  • Help you understand the ups and downs of the market and how they may affect your long and short-term goals

 

*Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value..

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Saving for College

Whether they want to grow up to be a farmer or a firefighter, as parents and grandparents, we want to support them and their dreams as best we can.

Fortera Credit Union and our Fortera Wealth Management – Infinex Financial Advisor can help you help your children and grandchildren by:

Discussing the different plans available and uncovering what’s best for your family:

  • 529 Plans**
  • Coverdell Education Savings Accounts
  • UGMA & UTMA Custodial Accounts for Minors


Answer frequently asked questions by Grandparents:

  • Will Medicaid count my grandchild’s 529 Plans as a part of my assets?
  • Can I access the money in the event of an emergency?
  • Can a 529 Plan affect my grandchild’s chance of receiving Financial Aid? 


*Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value. ** Investors should consider investment objectives, risks, and charges associated with Section 529 Plans prior to investing. Contact your financial advisor or 529 carrier for more information about municipal fund securities which is available in the issuer’s official statement or plan disclosure which should be read carefully prior to investing.

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Life Insurance

Has your insurance kept up with the changes in your life? If you’re like most people, you probably already own some life insurance, but is it still enough to cover all your needs? Have you thought about Long-Term Care Insurance and Disability Insurance to cover you in case you’re sick or hurt and can’t work?

This may sound like it is all gloom and doom, but it just takes a few minutes to uncover if you and those you love have enough coverage. Let a Fortera Wealth Management – Infinex Financial Advisor help to ensure your family is protected:

Personal Needs:

  • Death before loan/debt repayment can be finished
  • Spouse outliving a life-only pension plan
  • Death before reaching personal goals the client wants funded
  • Retirement funding for spouse, child’s education
  • Disability Insurance
  • Long-Term Care Insurance


Family Needs:

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

 
Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value.

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Estate Planning

Estate planning can be a crucial part of financial planning. You have to think not only about your goals today, but also for future generations. Once you have planned retirement and invested wisely, it's time to focus on how your assets will be managed after your death.

At Fortera Credit Union, your Fortera Wealth Management – Infinex Financial Advisor can help you. They are here to answer all your questions and can help you create a plan, so you can feel confident your assets are distributed the way you desire.

Whether your estate is large or small, there are many issues to consider in creating an estate plan. We can help you uncover:

  • What are your assets and their approximate value?
  • Where will your assets go when you pass away?
  • Who will take care of your finances when you are no longer able to do so?
  • Who should be responsible for taking care of your children if you become unable to care for them yourself?
  • Who should make decisions on your behalf if you become unable to care for yourself?
  • What do you want done with your remains after you die?

 
 
*Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value.

*We do not provide legal or tax advice. Consult your legal and/or tax advisor.

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Consolidating Retirement Accounts

In or nearing retirement, everyone should begin to look closely at their funds. If you have IRAs, 401(k)s, and pension plans scattered all over, you may want consider consolidating your accounts. Alternatives may include rolling to an IRA, rolling to another employer sponsored plan, leaving funds in the plan, or cashing out. At Fortera Credit Union, our Fortera Wealth Management – Infinex Financial Advisor can help you. We are here to answer your rollover questions and find ways to:

  • Potentially save money on annual fees
  • Create opportunities to allocate, diversify1, and rebalance in one portfolio
  • Offer valuable estate planning2 features
  • Simplify required minimum distributions
  • Provide access to one easy consolidated statement

 

*Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value.

1Diversification is a method of controlling risk. It does not assure a profit or the avoidance of loss.
2We do not provide legal or tax advice. Consult your legal and/or tax advisor.

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Retirement Planning Over 50

When you’re in your 50′s, retirement planning is more important than ever, especially considering many of us can expect to live well into our 90′s.

At Fortera Credit Union, our Fortera Wealth Management – Infinex Financial Advisor can help you create a financial P.L.A.N. and uncover ways to catch-up by:

  • Paying yourself first, living within your means, assuring your family's stability, and never stop learning
  • Helping you uncover the maximum contribution you are allowed from your workplace retirement plan and Individual Retirement Accounts
  • Uncovering ways to take advantage of annual catch-up contribution provisions
  • Discussing ways to create multiple income streams

  

*Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value.

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Income Strategies in Retirement

Millions of Americans in retirement may be scrambling to find ways to make ends meet without the income from a full-time job and trying to recover from recent market volatility.

Fortunately, there are several possible solutions available for those looking to increase their income during their non-working years. At Fortera Credit Union, our Fortera Wealth Management – Infinex Financial Advisor can help you overcome several retirement income challenges and create a predictable income stream by:

  • Designing a retirement plan
  • Uncovering your basic expenses and discretionary expenses
  • Evaluating current sources of retirement income
  • Identifying potential gaps between income and expenses
  • Anticipating fixed and discretionary expenses in retirement
  • Positioning assets to generate income
  • Uncovering new sources of income 


Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligation of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value.

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NetXInvestor®

NetXInvestor® allows you to view your brokerage account statements, tax statements and trade confirmations online, as well as access quotes, read news stories, and perform research on thousands of stocks, options and mutual funds. Simply click here to login and view your Fortera Wealth Management* portfolio.

Please contact  Infinex Financial Group at 800.218.2827, option 1, then option 1,  if you have any questions about NetXInvestor® or need assistance with the log in, enrollment, or paperless processes.

Already have a MyPortfolio account? You can sign into NetXInvestor® with your current User ID and Password, along with the Financial Org# 6FK.   

NetExchange Client® is provided to you by your financial organization, clearing through Pershing LLC.

 

 

 

 

 

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