Redstone Federal Credit Union

10 | r e d f c u.o r g R E D S T O N E B R O K E R A G E S E RV I C E S Avery Jacobs Financial Consultant FINANCIAL PLANNING IS ESSENTIAL For better or worse, the coronavirus has taught us a number of lessons. Perhaps the biggest one is the necessity of planning for the unexpected. In financial terms, one of the smartest ways to do this is to hire a professional financial planner – a trusted and reliable expert who provides sound advice based on research, experience, and facts, instead of probable guesses you may find in surfing internet opinions. While financial planners can help prepare your budget for the unexpected, there is more at risk during an emergency than just your cash flow. Professionals can also help you make sure your overall financial picture is secure – come natural disaster or pandemic – by offering advice for: � Investments. In turbulent economic times, watching the stock market too closely can make you want to buy or sell immediately to avoid loss. Professionals can help you weigh the risks before making impulsive decisions that may have unintended long-term effects. � Legal documents. Should an unexpected health need arise, it'll be vital to have estate planning documents, such as a will, power of attorney, or medical advance directive. A professional planner offers an objective perspective, and it never hurts to have a second set of eyes on something as essential as finances. Turning to a financial planner early can help you meet unexpected situations with a sturdy foundation – giving you confidence and the ability to focus on more pressing matters. is information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. If you're ready to get your planning in motion, contact Redstone Brokerage Services at 256-722-8351 for a complimentary consultation. Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Redstone Federal Credit Union (RFCU) and Redstone Brokerage Services (RBS) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using RBS, and may also be employees of RFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of RFCU or RBS. Securities and insurance offered through LPL or its affiliates are:

• Cover