Every family has a legacy.

We can help build a financial plan that supports every generation.

Legacy and Estate Planning

When you're ready to start building a plan for your family's future, our CFS* Financial Advisors can help. We focus on legacy planning, estate planning strategies, and wealth transfers to beneficiaries in the event of a loved one passing. Even when life throws you unexpected curves, we can talk you through tax-efficient strategies, identifying beneficiaries, and outlining your family goals and wishes.

We'll also work closely with your accountants and attorneys (or we can recommend a local resource) to ensure a smooth transition at every stage of estate planning and distribution. Once you’re ready to have legal documents drawn up, we'll hand off your information to your estate attorney. That way, you can spend less time (and money) recounting your information to the attorney and get right to establishing the proper paperwork.

RWM

Only 45% of Americans over age 55 have a will.**

More than 1 in 3 people without a will say they don't believe they have enough wealth to leave behind.**

34% of Americans ages 35 to 54 have never discussed legacy planning with anyone.**

 

Legacy Planning for Every Family

Regardless of age, income level, or current health, it’s important for all families to have regular, open discussions about planning for the future. Your legacy plan will cover more than just inheritance funds or assets – you should consider everything from insurance plans, stock options, and shares to debts, liabilities, mortgages, vehicles, pets, furniture, jewelry, digital assets and any items of sentimental value.

 
Sheri Perkins

What is Legacy Planning, and Who Needs It?

What exactly is legacy planning, and who needs it? Find out in a blog post from Sheri Perkins, our Senior Vice President and Head of Retirement & Wealth Management. With 30 years of experience in financial services, as well as her personal experience with her own parents, Sheri has seen a lot of the do’s and don’ts. She also makes it a priority for her team to offer helpful tools and resources to Citadel members, including this free printable checklist you can review with your family.

Read Blog

The "sandwich generation" is financially supporting children and aging parents.

Keep Reading

To learn more about where you stand and what to do next, download our printable resources:


*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. The CFS advisors and investment program at Citadel have received numerous proprietary awards from CUSO Financial Services, LP based on sales and/or assets under management.

Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

CUSO Financial Services, L.P. (CFS) does not provide tax or legal advice. For such guidance, please consult your tax or legal professional.

**According to a 2023 Wills and Estate Planning Study by Caring.com

Ready to discuss your future? Let's talk.

Schedule a Complimentary Consultation

Our CFS* Financial Advisors are able to meet with you at any Citadel location to discuss your plan for the future. 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
top