Other Services
Financial Life Planning
It's natural to have questions about something as important as financial planning.
- What are the first steps?
- What type of investing is best for me?
- How do I manage in a volatile market cycle?
- What if I change my job?
- Am I on track to reach my goals?
- How does my age affect my planning?
Financial Planning is extremely personal. Every individual's financial situation is unique and every person was his or her own attitudes, comfort levels and perspectives about money and finances. At TTIS, we believe providing service means devoting time and working closely with you to understand what makes you distinct. Getting started with a financial plan, designed to address your current and future financial needs, may be a lot easier than you think.
We offer a full range of financial planning services, including retirement planning (asset accumulation and income distribution planning), estate conservation, portfolio and investment management, college funding strategies, and more.
Life's a lot easier when you're prepared for the future. Make your money work for you with a financial planning strategy - it is one of the most important things you can do and one of the things we do best.
Asset Distribution Strategies
If you are nearing retirement, one of the decisions you will need to make is how you will withdraw the retirement funds you have accumulated. Careful consideration must be given to the distribution option chosen as the choice can affect the tax consequences of the distribution and its integration with your Social Security benefits. It is also important to pay close attention to your income requirements and inflation; specifically, the effects inflation can have on your future purchasing power.
With all the implications distribution options can have, working with a competent and knowledgeable financial advisor is key. At TTIS, a financial advisor will review all of your retirement benefits information (account statements, communication from your employer, etc.) to determine the best distribution options available to you, and whether any of your assets are eligible for favorable tax treatment.
Estate Planning*
If you own something, you should have an estate plan to efficiently transfer property. Even if you think everyone knows your wishes, the government or your family may have different ideas. Estate Planning does not have to be expensive or complicated, and the benefits can be tremendous.
An Estate Plan can:
- provide a means to pay for federal estate taxes and other expenses related to your death
- provide income to your loved ones
- provide for the disposition of your business
- distribute your assets to family members with the least amount of shrinkage or loss possible
- allow you and often members of your family to resolve potentially complicated and emotional distribution of assets, long before your plan will be used
Designing a legacy consistent with your dreams and values is a personal, often intricate process. To learn more about estate planning and how it fits into your financial plan, contact us.
College Funding
The benefits of quality education are measurable and valuable. Receiving that education comes with a price tag. If you're like most parents, there are already a lot of demands competing for your hard-earned dollars, so it can be difficult to imagine how you might fit in saving for your child's college education, too.
A 529 plan is a college savings vehicle that offers federal and sometimes state tax advantages. *Often sponsored by state or colleges, this plan must follow federal law, specifically, Section 529 of the Internal Revenue Code. In this plan, you are the account owner and control the account, your child is the beneficiary until your child reaches the age of maturity. Your contributions grow tax-deferred, meaning you don't pay income tax on your earnings each year. A grandparent, relative, or friend may also open an account or contribute money on behalf of your child.
Co-Planning® Approach
Retirement should be about finding solutions to fit your hopes and dreams, not making sacrifices.
With our Co-Planning® approach, you won't need to wait for an analyst to run numbers between meetings. Or schedule multiple follow-ups to review new options. Together, we'll create and adjust your retirement plan right in front of you - in real-time. Transparent, accurate, and full of answers, this is the ownership you've been looking for. Let's build a smarter retirement plan, together.
No client or potential client should assume that any information presented or made available on or through this website should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after the engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please consult us prior to taking action on any information in this video.
Contact Your Financial Advisor
 |
|
Bethel Coleman, CRPCTo request a Consultation, call us at 615-780-7804. Monday-Friday 8:30-4:30, email us at Bethel.Coleman@cunamutual.com., or click below. For your protection, TTIS does not accept trading instructions via voice mail, text messages, instant messaging, or facsimile. Please speak directly with your Financial Professional you need to give instructions related to your account. |
*The Tennessee Investment Services program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit cunabrokerage.com.
*The Tennessee Investment Services Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.
FR-3414325.1-0121-0223