Brokaw Credit Union
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Brokaw Credit Union

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John McInnes

John McInnes

Prime Time for Financial Planning?

Many of us assume that the services of a financial adviser are most appropriate for people who have more money than they know what to do with, and those who can't make it from one paycheck to the next.

But say you stand somewhere in between. You meet all your expenses, you have your debts under control, and you've set aside a cash reserve that would carry you through several months should a financial emergency arise. Beyond that, you have additional money that you've begun to invest to build your financial future.

Does this mean you've reached a point in your life when you could benefit from professional financial planning services?

A Financial Advisor can evaluate your overall financial situation—your budget, savings, investments, retirement plans, taxes, estate planning, and insurance--and recommend strategies that will help you reach your financial goals.

To decide if seeing a Financial Advisor would be a wise move for you, ask yourself seven questions:

  • Am I confident about making financial decisions?
  • Am I knowledgeable enough to begin my own long-range financial planning?
  • Do I know enough about my investment options to work effectively toward my short-term and long-term objectives?
  • Do I expect my present income and investment approach to provide for my retirement years?
  • Am I comfortable with my level of debt?
  • Do I have enough time and knowledge to devote to analyzing my family's financial situation?

If you answered "no" to some of the above, you may be a candidate for professional financial planning advice. And don’t forget, this free service is available through FMS Financial Management Services, Inc., located onsite at Brokaw Credit Union. John McInnes welcomes you to schedule a free, no-strings-attached consultation. We’ll help you get scheduled when you call 715-359-7012.

Securities offered through Packerland Brokerage Services, Inc., an unaffiliated entity. Member FINRA & SIPC. Nonbank / credit union products and securities are not insured by the FDIC/NCUA or any other federal government agency, and are not a deposit of, obligation of, or guaranteed by Brokaw Credit Union or FMS Financial Services located at Brokaw Credit Union. Investments are subject to investment risk, including possible loss of principal amount invested.

invest
Buy or Rent

Get Out of Your Rental and Into Your Own Home

If you’ve been renting and waiting to buy your first home, now is a good time to make your move.

A number of industry analysts expect interest rates to rise over the year. Home prices are also expected to rise, now that more buyers are again competing for houses for sale.

But rental rates are rising and expected to continue to rise even more—as much as 20% in some communities—making it smart and cost-effective for first-time buyers, especially, to consider home ownership. Real estate website Trulia found it is cheaper to buy than to rent in each of the nation’s 100 biggest metropolitan areas.

If you’re thinking about making the big move, do this now:

  • Check your credit reports for accuracy. Go to annualcreditreport.com and request your free credit report. If you find errors or omissions, fix the problems as soon as possible.
  • Review your savings. You will need money for a down payment as well as for the transition expenses of moving and setting up a new house. If your savings aren’t up to snuff, make that your priority for the next several months.
  • Talk to Jenny, our home loan officer about prequalifying for a loan. This is the step just ahead of preapproval—it makes it possible for you to begin shopping for a house with your eyes wide open about what you can really afford. Your loan officer can help you prepare for the home buying process and help you line up your finances for success.
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Brokaw Office

300 Everest Ave
PO Box 151
Brokaw, WI 54417
Phone: 715-675-2319
Fax: 715-675-5511

Lobby Hours:
M, T, Th 9:00-4:00
Fri 9:00-5:30
Closed Wed and Sat

Drive-up Hours:
M, T, Th 8:30-4:30
Fri 8:30-5:30
Closed Wed and Sat

Weston Office

2006 Schofield Ave
PO Box 199
Weston, WI 54476
Phone: 715-359-7012
Fax: 715-355-5295

Lobby Hours:
Mon-Thurs
8:30 am to 4:30 pm
Friday
8:30 am to 5:30 pm

Drive-up Hours:
Monday
7:30 am to 5:00 pm
Tues, Wed, Thurs
8:30 am to 5:00 pm
Friday
7:30 am to 5:30 pm
Saturday
9:00 am to 12:00 noon



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