Redstone Federal Credit Union

8 | r e d f c u.o r g As Redstone Federal Credit Union continues to expand and enhance its services, the Wealth Management team – under the leadership of Kevin Carroll – has emerged as a vital resource for members. In this candid conversation, Kevin shares the story and philosophy behind the department and what lies ahead for this program. Q: What inspired the transition into a full Wealth Management model? Kevin: "I've wanted to move into Wealth Management for years, but we weren't quite ready. So, the team spent time transitioning to a new broker-dealer and restructuring internally. We also spoke with members to better understand their needs and financial goals. Financial planning was the missing piece that we needed to add." Q: What new offerings can members expect as part of Wealth Management at Redstone Federal Credit Union? Kevin: "Holistiplan is an extension of our financial planning strategy and can potentially identify where and how we can improve a client's tax situation. It provides members with a more comprehensive view of their financial decisions and long-term tax outcomes, but we do not offer tax advice." Q: What is your team's philosophy on serving members with different financial starting points? Kevin: "Whether members have $500 a year to invest or $500,000, they are all going to get the help they need. I believe Wealth Management at Redstone Federal Credit Union does a phenomenal job of meeting our community where they are financially and working toward getting them where they want to be." Q: And finally, what has this meant to you personally? Kevin: "I came here looking for a job to finish out my career, but what I found was a family." at sense of belonging and service continues to shape the way he leads the Wealth Management team: with care, integrity, and a members-first mindset. Q&A with Kevin Carroll: LEADING THE FUTURE OF WEALTH MANAGEMENT AT REDSTONE FEDERAL CREDIT UNION 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 Wealth Management at Redstone Federal Credit Union (WMRFCU) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using WMRFCU, 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 WMRFCU. Securities and insurance offered through LPL or its affiliates are: Your Credit Union ("Financial Institution") provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit www.lpl.com/disclosures/is-lpl-relationship-disclosure.html Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value

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