Financial Planning

Not all financial companies are the same. When you're seeking financial advice, it's worthwhile to take a step back and evaluate what's available and your preferences. Many firms offer some type of financial advice, but it's important to be clear on what you're looking vs. what each firm provides.

Compare Financial Planning Services Below

Service/Benefit AmeriCU Traditional Brokerage/ Investment Firm Online/Discount Brokerage
Held to fiduciary standards for advice Yes Yes Yes
Can place trades & investments:
Stocks, bonds + mutual funds Yes Yes Yes
Retirement accounts (IRA/401(k), etc.) Yes Yes Yes
Education accounts (Coverdell/529, etc.) Yes No No
Online trading through brokerage account Yes Yes Yes
Gives you a dedicated advisor who is available in person, via email, and phone Yes May require minimum investment Rarely
Offers comprehensive financial planning & portfolio management that considers all aspects of your finances (cash and liabilities, protection, investments + taxes) Yes Not generally; may require minimum investment No
Comprehensive planning services:
Retirement planning Yes Generally Rarely
College planning Yes Varies Rarely
Estate planning Yes Varies Rarely
Offers Insurance (life, disability, long-term care, etc.) Yes Varies No
Offers Banking (checking & savings, etc.) Yes Varies No
Offers Lending (home equity, mortgage, student loans, credit cards, etc.) Yes Varies Rarely
Works on commission No Generally Yes

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