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Build a Custom Strategy for All of Life's Phases

Check in with a CFS* Financial Advisor to get inspired for your future.

Financial Planning

It’s never too early or too late to set financial goals, but achieving them requires a clear picture of your personal finances and an understanding of the services and strategies available to support you. Whether you’re just getting started, already planning ahead, or close to reaching your goals, it’s the perfect time to check in on your financial journey and ensure you have a tax-optimized plan.

You'll make decisions together and implement a plan that includes accounts, services, and tax-efficient strategies that align with your goals. Then, your advisor will monitor your progress over time and factor in any life changes, shifts in your finances, or changes in the market that may require adjustments over time.

We can help tackle the three major phases of financial planning:

  1. Grow: The accumulation phase is all about building wealth. From starting your career to family life and everything that comes with it, you’re in growth mode.
  2. Protect: The protection phase comes when you’re ready to look at your portfolio, start thinking about retirement, and maximize tax contributions to set yourself up for the future.
  3. Thrive: The retirement phase is all about living your dreams. Your goals and priorities may have changed, and it’s time to make sure you have what you need for yourself and your loved ones.

Don't miss out on any opportunity along the way. Partner with the team who truly cares and empowers you to prosper throughout the entire journey.


*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of Citadel, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Citadel has contracted with CFS to make non-deposit investment products and services available to Citadel members. CUSO Financial Services, L.P. (CFS) does not provide tax or legal advise. For such guidance, please consult your tax and/or legal advisor.

Ready to check in? Let's talk.

Schedule a Consultation

Our CFS* Financial Advisors are able to meet with you at any Citadel location to discuss your goals. Fill out the form below to get in touch with the Retirement and Wealth Management Team.

Referral Disclosure

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CFS), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA / NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.  Investment Representatives are registered through CFS.  Citadel has contracted with CFS to make non-deposit investment products and services available to credit union members. 

Our CFS* Investment Team

Robert Elwell
Robert Elwell
Senior Financial Advisor
citadel-financial-credit-union-ruthanne-monteleone
Ruthanne Monteleone
CFP®, Wealth Advisor
citadel-financial-credit-union-clint-smedley
Clinton R. Smedley
CFP®, CPWA®, CLU® Wealth Advisor
Seth Borders
Seth Borders
CFP®, CPWA® Senior Financial Advisor
citadel-financial-credit-union-aj-hiller
AJ Hiller
Senior Financial Advisor
Jared Stanley
Jared Stanley
CFP®, Senior Financial Advisor
Chris Scott
Chris Scott
CFP®, CTFA™, Senior Financial Advisor
Joseph Herron
Joseph Herron
RICP®, Senior Financial Advisor
Brad Bryan
Brad Bryan
CFP®, Senior Financial Advisor
Sage Bleakney
Sage Bleakney
Senior Financial Advisor
Kirstie Primus
Kirstie Primus
Financial Advisor
Pavel Mordascov
Pavel Mordasov
Financial Advisor
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