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SCU Financial Services

Financial Solutions for Every Stage of Your Life

We will work with you to design your personalized financial plan and to monitor your progress on an ongoing basis.  We collaborate, as desired, with family members, business partners and other financial professionals to ensure that all pieces come together in the most effective manner.  We work with you to implement your financial plan, recommending various strategies and a broad array of financial products for your consideration.

Retirement Planning

Whether you are 25 years or 5 years from retirement, it is essential to plan ahead; it’s smart too, because the longer you put it off, the harder it will be to accumulate the amount you need to retire. The most convenient way to amass and grow your retirement savings is to allocate a specific dollar amount – or percentage of your salary. Start now and contribute even a small amount each month. Investment Adviser Representative Jimmy Carlson can help you to strategize for the future by helping you to:

  • Decide which investment strategy is appropriate for you, your family, and your future
  • Review the investment vehicles used to build a nest egg
  • Discuss risk assessment, time horizon and review asset allocation models
  • Understand market fluctuation and how it may affect your goals

Education Funding

You do so many things, every day, to prepare your children for life’s experiences. But as you prepare your children, you also have to prepare yourself – financially. The cost of attending college can be daunting, so the sooner you start saving the better. Two keys to saving for college are starting early and making regular, consistent contributions over time. Work with Jimmy Carlson, who can offer you a number of ways to plan and save for higher education. Learn more about these ways to save:

  • 529 Plan
  • Coverdell IRA
  • UTMA (Uniform Transfers to Minors Act)
  • UGMA (Uniform Gifts to Minors Act)

Estate Planning

Successful estate planning eases the transfer of your assets to your beneficiaries efficiently and with minimal tax consequences. Estate planning can also assure that family members know how you would like your financial and medical affairs to be handled in the event you become incapable of making your own decisions. The process of estate planning includes taking inventory of your assets, talking over important decisions with family members, making a will and, in some cases, establishing a trust. You should consult an attorney, and perhaps a CPA or tax advisor, for additional guidance tailored to your specific situation.

 

Investing

We begin by getting a clear understanding of your overall financial goals and your goals for each investment account. We discuss your investment preferences and concerns, your attitudes toward risk and your time frame for the assets in each account. To implement your various investment strategies, we’ll work with you to build appropriately diversified portfolios, with access to the following:

  • Managed Accounts
  • Mutual Funds
  • Individual, Joint, Trust accounts
  • IRAs, Roth IRAs
  • 529 Plans
  • Fixed and Variable Annuities

Wealth Management

Through comprehensive wealth management solutions designed for the high-net worth clients, we enable clients to take advantage of:

  • The exercising of employee stock options
  • Transactions involving restricted and control stock
  • Wealth management and liquidity solutions

Life Insurance & More

Life insurance provides not only income continuation for those depending on you, it can also help your family and business cover debt. Insurance may be the key to keep your business in the family, allow your children to graduate from college, and/or permit your spouse to continue living in your home. We discuss with you your general attitudes toward risk, underline various risks and review the numerous options to manage and / or mitigate these forms of risk. We will perform a full policy and beneficiary review, as well as the review of trusts that may own certain policies. We also offer access to the following additional solutions:

  • Disability Income Protection
  • Long-Term Care Insurance
  • Business Income Continuation, Succession and Estate Conservation strategies*

Contact Us


Registered representatives of MML Investors Services, LLC., Member SIPC. Supervisory Office: 200 Clarendon Street, 19th & 25th Floors. Boston, MA 02116. 617-585-4500. Neither MML Investors Services, LLC/Baystate Financial/Sharon Credit Union/SCU Financial nor any of their affiliates, employees or representatives provide specific tax or legal advice. Please consult your tax advisor or attorney for such guidance. Each firm is solely responsible for their products and services and Sharon Credit Union/SCU Financial is not affiliated with MML Investors Services, LLC. The investment products sold through MML Investors Services, LLC/Baystate Financial are not guaranteed by Sharon Credit Union, may lose value and are not insured by the NCUA. These products are not obligations of Sharon Credit Union and are not endorsed nor guaranteed by Sharon Credit Union.

Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. (www.sipc.com) Baystate Financial is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. 200 Clarendon Street, 19th & 25th Floors. Boston, MA 02116. 617-585-4500.

CRN202008-234782

Securities products and services offered are:

  • Not FDIC/NCUSIF Insured
  • Not a Condition of Any Bank Service
  • Not a Deposit Product
  • No Bank/Credit Union/Affiliate Guarantee
  • No Guarantee of Insurance Underwriter Performance
  • May Lose Value
  • The bank cannot condition an extension of credit on the purchase of an annuity or insurance product from the bank itself or one of its affiliates. Sharon Credit Union and SCU Financial are not subsidiaries or affiliates of MML Investors Services, LLC or its affiliated companies.

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