Dear NAPAA Members:

NAPAA has partnered with the UNFCU Financial Advisors™ to provide you with an expanded range of financial, insurance, retirement and credit union products and services.

UNFCU Financial Advisors™ is a wholly owned subsidiary of the United Nations Federal Credit Union —serving the United Nations community since 1947. UNFCU Financial Advisors™ is committed to helping you realize your short and long-term financial goals and objectives as well as assess risk and insurance needs.

Take advantage of these innovative, comprehensive and flexible programs and services today!

RETIREMENT SOLUTIONS
 
We are pleased to introduce our latest innovative service offering called Retirement Solutions to help you on the journey into your retirement years.

As your partner, we provide you with valuable programs that represent our commitment towards assisting you with retirement issues that you won't find at other firms. Whether it's maximizing your retirement income or assisting you with downsizing your home, we are committed to providing valuable products and services.

We invite you to explore our Retirement Solutions website for more details. For more information please call 1-212-476-8700, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.
 

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

IRA ROLLOVERS (for Credit Unions)
 
Retire with Confidence
There are many important financial decisions to make in retirement. One of the most critical involves deciding what do with your retirement account at work. This process can seem daunting and downright confusing. It doesn't need to be. Your credit union can help.
 
Employer Rollovers Made Simple
Please complete the form below or call your credit union and a representative will contact you to proceed with this important step. We will simplify the process to open an IRA account so that your employer retirement account funds can be deposited at the place you trust. Ensuring you are using your retirement savings properly and maximizing your retirement income is how we can help.
 
Consolidate for Simplicity and Control
It is likely that over the years you've accumulated accounts at various financial institutions, or left the money behind at a previous employer. Managing this can prove difficult and may hinder the development of an appropriate retirement income plan. Your credit union will assist you in consolidating these accounts into one account at the credit union.
 
TIPS
  • Before making any decision about your pension distribution, be sure to contact your credit union first.
  • Once you retire, a retirement income plan should be developed.
  • Consolidating your accounts will help in preparing an effective retirement income plan.
To start the process or to learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.
 

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

FINANCIAL AND RETIREMENT PLANNING, CHARITABLE GIVING
 
Achieving a financial goal can be a comprehensive one, like estate planning, or goal specific, such as retirement. Our flexible fee structure offers you the option of either a fee-based plan or hourly fee consultation. We will develop and manage your strategy with a custom plan. Your personal goals and objectives will be laid out, giving you the choice to implement them through your existing financial provider(s) or execute the plan through us.
 
We will analyze your situation and give you our independent and unbiased opinion. This will involve reviewing assets you hold at multiple institutions, risk assessments, and tax position to help us help you achieve your future desires.
 
Our ongoing relationship with you ensures that your life's changing circumstances are being addressed and the plans adjusted accordingly.
 
Charitable giving can be a complementary tool to exclude property from your gross estate and to benefit a worthy cause. Charitable Gift Annuities, Charitable Lead Trusts and Charitable Remainder Trusts are some of the possibilities to consider.
 
To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.
 

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

WEALTH MANAGEMENT & INVESTMENT ADVISORY
 
The management of your assets is a dynamic process. Wealth creates challenges and opportunities.
 
Tax and estate laws are in constant flux. Above all, the financial realities you and your family face are constantly changing. Managing wealth is our business. We know how to deliver integrated strategies that can utilize a wide array of capabilities that encompass planning, investment management and trust services, among others.
 
Markets rise and fall. Portfolio values fluctuate. You can rely on our knowledge, experience and expertise to enable you to select appropriate asset allocation strategies.
 
Our Investment Philosophy
 
Empirical research has shown that investors are better served by a disciplined investment approach, especially an approach that combines an understanding of the investor's goals and risk tolerance within a well-defined strategy. Our objective in constructing efficient portfolios is to maximize expected returns for a desired level of risk.
 
We base our approach to effective investment management on the following core beliefs:
  • Diversification and balance:
    Diversification across asset classes (together with the appropriate asset weightings within portfolios) improves long-term investment returns while reducing volatility.
     
  • Turnover erodes returns:
    Excessive turnover, either of assets within portfolios or of whole portfolios, contributes to long-term underperformance.
     
  • Cost minimization is an important component of investment management: Investment management related costs, including fees and transaction costs, will negatively affect performance especially if such costs are compounded over long periods.
     
  • Determinants of performance:
    Asset allocation and portfolio structure - more than individual security selection or market timing - are the principal components of investment performance.
Our Investment Process
  • Determination of Risk Preference
  • Top-Down Asset Allocation Modeling
  • Creation of Efficient Portfolio Structures
  • Selection of Asset Classes and Setting of Weightings
  • Monitoring and Re-balancing
To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

INSURANCE SOLUTIONS
 
We understand that the need for insurance protection may need to reach around the globe and our goal is to make your protection our business.
 
Our insurance experts have access to several local, national and international providers. We can assist you in identifying your specific needs - whether you live around the corner or around the globe.
 
Our trusted professionals can map out a plan for you, which could include car, liability, homeowners/renters, life, health as well as long-term care insurance.
 
In-person consultations available in Washington DC and Manhattan, NY. To make an appointment or to learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.
 
DOMESTIC
 
We understand that your needs are unique and that insurance may be one part of your overall financial security. UNFCU Financial Advisors offers a suite of insurance products designed to help keep you, your family and your assets secure.
 
Providing an integrated approach to financial planning and targeted security products, our trusted professionals can map out a plan tailored to your needs and budget.
 
Get Instant Quotes and Apply Online

Life


There are two basic polices: Term Life and Regular Life (also known as Whole Life). To determine whether Term or Whole Life Insurance is right for you,

[ Get an Allstate Quote | Request Appointment ]

Medical


Medical insurance helps pay medical bills and other expenses in the case you become sick or injured. The coverage may pay your physician, hospital, or pharmaceutical expenses. Policies may provide additional funds if you are incapacitated for an extended period of time. Speak with an Insurance Centre Representative for more information.

[ Request Appointment ]

Residential


It is designed to protect a homeowner, a condo or coop unit owner, and even a tenant in a rental property. It is a series of coverage that insures both Property and Liability exposures. Liability Coverage is automatic on U.S. based policies.

[ Get Quote ]

Automobile


Coverages are written to conform to local laws, and policies will vary from state to state.

[ Get Quote ]

Personal Property


You may own more valuable possessions than you realize. Personal Property insurance helps to protect your valuable personal property in the event that your existing homeowners insurance has deductibles or limitations.

[ Get an Allstate Quote | Request Appointment ]

Personal Liability Umbrella


Personal Excess liability also called "umbrella insurance" can provide an extra layer of liability coverage to protect you.

[ Get an Allstate Quote | Request Appointment ]

Long Term Care


Long-Term Care (LTC) insurance covers the high cost of nursing home or at-home care – the focus of increased concern for many people, considering the aging population and uncertainty about government-sponsored program. Without proper planning, a serious accident or illness could very quickly deplete your hard-earned savings. Only Long-Term Care insurance can provide you with the financial security you need and deserve in your retirement years.

[ Get an Allstate Quote | Request Appointment ]

Travel Short Term Medical


Whether you are traveling for business or pleasure, the Atlas plan may be just what you're looking for. Plans are available from a minimum of 5 days up to a maximum of one year. At no additional cost, the Atlas Series adds coverage for Emergency Medical Evacuation, Acts of Terrorism and Complications of Pregnancy.

[ Get Quote ]

Travel Accident


Travel Accident features high limit Accidental Death and Dismemberment and high limit Permanent and Total Disability insurance - including coverage for most Acts of War and Terrorism. This plan may be purchased alone or as a supplement to any other product. No underwriting is required!

[ Request Appointment ]

Student Medical


Student Medical is designed specifically to meet the insurance needs of international students. Whether you are looking for individual coverage or coverage for the entire family, our Select and Budget options have the features you need. Each plan includes coverage for Emergency Medical Evacuation, Intercollegiate Sports, Acts of Terrorism and more!

[ Get Quote ]

Pet Health


UNFCU now offers Pet Health Insurance through Petplan. After 30 years of protecting pets around the world, Petplan is now the world’s largest pet insurance provider and is recommended by more veterinarians, breeder and pet owners than any other provider. Once your pet is insured the covered for life feature protects your pet for illnesses and injuries without age limits as long as the policy is renewed each year without any break in coverage.

To receive an additional 5% discount, use promo code SPD76667.

[ Get Quote ]

Kidnap & Ransom


Kidnap, Ransom and Extortion insurance provides numerous benefits and services to the applicant and the insured. Kidnap, Ransom & Extortion Insurance provides coverage for kidnappings and other events through a combination of financial indemnification and expert crisis management.

[ Request Appointment ]

Moving


Moving insurance provides a broad range of worldwide coverage for you and your family’s belongings at every stage during a move - from packing to unpacking. With hassle free claim processing and premiums costing significantly less than insurance from moving companies, once packed, your family can concentrate their thoughts and energies elsewhere, secure in the knowledge that they are covered wherever they go.

[ Get Quote ]

Vacant Home


Insuring a vacant home is a particularly troublesome aspect of any move. In most jurisdictions, domestic insurers are reluctant to cover vacant dwellings. This product provides insurance coverage for vacant principle or secondary dwellings located anywhere in the world.

[ Get Quote ]

INTERNATIONAL
 
Each year millions of individuals depart their home countries for travel abroad for vacations, corporate or business travel, international study abroad, and missionary travel to name a few. Many international travelers discover the hard way that their home country medical insurance policies provide little or no coverage for losses incurred while on international trips or living abroad. Medical treatment away from home can be expensive and evacuation from a life threatening situation can cost thousands of dollars more than the cost of the trip abroad. MultiNational Underwriters® helps take the risk out of international travel. Protection against these losses is available for individuals traveling outside of their home countries.
 
Get Instant Quotes and Apply Online

IC + International term Life

International Life


Need long term international term life coverage? International Life will cover you up to ten years while residing abroad. This life insurance plan is useful for individuals relocating abroad who require family, corporate or bank protections. Basic Life, Terminal Illness and Double Indemnity options are available to fit your needs.

[ Get Quote ]

International Medical


International Medical is available to individuals in locations around the world. The plan is annually renewable and offers comprehensive medical coverage worldwide. An option to exclude coverage within the US and Canada is available. Optional Dental, Term Life and AD&D are also available.

[ Request Appointment ]

Critical Illness Coverage

Critical Illness Coverage


Maximize your chance of a full and fast recovery from the most life-threatening illnesses, including cancer and heart disease. This is a low cost approach to critical illness coverage that dedicates a deductible-free $2 million limit for access to the world’s foremost surgeons and health facilities.

[ Get Quote ]

Automobile


For U.S. based vehicles the basic coverage is for third party liability, and Insurance for damage to the vehicle is optional. While outside the U.S., coverage begins with the vehicle and Third Party Liability is available as an option. Special forms such as European Green Cards are included at no additional cost.

[ Request Appointment ]

Atlas Travel Series

Travel Short Term Medical


Whether you are traveling for business or pleasure, the Atlas plan may be just what you're looking for. Plans are available from a minimum of 5 days up to a maximum of one year. At no additional cost, the Atlas Series adds coverage for Emergency Medical Evacuation, Acts of Terrorism and Complications of Pregnancy.

[ Get Quote ]

Travel Accident


Travel Accident features high limit Accidental Death and Dismemberment and high limit Permanent and Total Disability insurance - including coverage for most Acts of War and Terrorism. This plan may be purchased alone or as a supplement to any other product. No underwriting is required!

[ Request Appointment ]

StudentSecure(SM)

Student Medical


Student Medical is designed specifically to meet the insurance needs of international students. Whether you are looking for individual coverage or coverage for the entire family, our Select and Budget options have the features you need. Each plan includes coverage for Emergency Medical Evacuation, Intercollegiate Sports, Acts of Terrorism and more!

[ Get Quote ]

Kidnap & Ransom


Kidnap, Ransom and Extortion insurance provides numerous benefits and services to the applicant and the insured. Kidnap, Ransom & Extortion Insurance provides coverage for kidnappings and other events through a combination of financial indemnification and expert crisis management.

[ Request Appointment ]

Belongings and Liability

Belongings & Liability


Belongings and Liability Insurance has your belongings covered. Our comprehensive program, designed expressly for professionals of all nationalities working outside of their home country, offers superior coverage and worldwide claims service.

[ Get Quote ]

Moving

Moving


Moving insurance provides a broad range of worldwide coverage for you and your family’s belongings at every stage during a move - from packing to unpacking. With hassle free claim processing and premiums costing significantly less than insurance from moving companies, once packed, your family can concentrate their thoughts and energies elsewhere, secure in the knowledge that they are covered wherever they go.

[ Get Quote ]

Vacant Home

Vacant Home


Insuring a vacant home is a particularly troublesome aspect of any move. In most jurisdictions, domestic insurers are reluctant to cover vacant dwellings. This product provides insurance coverage for vacant principle or secondary dwellings located anywhere in the world.

[ Get Quote ]


 
PETPLAN® PET INSURANCE
 
UNFCU Financial Advisors is pleased to offer Pet Insurance through Petplan – the world's largest and most trusted pet insurance provider.
 
After 30 years of protecting pets around the world, Petplan is now the world's largest pet insurance provider and is recommended by more veterinarians, breeder and pet owners than any other provider. PetPlan is the only pet health insurer in the US to cover congenital and hereditary conditions with no dollar (subject to annual policy limits) or time limit per condition.
 
PetPlan offers no benefit schedule but instead reimburses you what your veterinarian charges you up to your policy limits. Once your pet is insured the covered for life feature protects your pet for illnesses and injuries without age limits as long as the policy is renewed each year without any break in coverage.
 
Get the best coverage for your dog or cat today!
 
Policies cover veterinary fees relating to any illness or injury including hospitalization, referrals and prescriptions. Depending on the type of policy that you select we can also pay for advertising and reward if your pet goes missing, boarding fees if you're hospitalized and compensation if you lose your pet through straying, illness or injury.
  • Veterinary Fees
  • Boarding Kennel and Cattery Fees
  • Advertising and Reward
  • Loss due to Theft or Straying
  • Death from Illness or Injury
  • Vacation Cancellation

Learn more ... Get a FREE Quote
 
Apply online and receive a 5% discount by using promo code SPD76667.
WELCOMEHOMEPROGRAM™
 
UNFCU Welcome Home Program™

Real Estate and Relocation Assistance and Benefits

The WelcomeHomeProgram™ is a FREE, multi-faceted service that offers assistance with buying, selling and financing real estate as well as relocation and rental services and resources. This unique program will save you time and money By signing up and using one of our recommended agents, you can earn up to $2,400 cash back* on the sale or purchase of your home (US only). We also provide services and discounts on apartment rentals in Manhattan and the Washington D.C. area.

Visit the WelcomeHomeProgram™ website and/or contact us to learn more!

To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.

*Cash back not available by law in some states. All real estate commissions are negotiable. You must be represented by the assigned program real estate firm at closing to qualify. Contact the program for terms and conditions and to confirm eligibility. Consult your tax advisor with respect to the correct tax treatment of any cash back you receive.


 

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

EMPLOYEE BENEFITS

We will help you select and implement cost-effective benefit plans that meet your business goals and employee needs. Our benefit consultants will create a customized service plan for you that clearly defines the guidance and support you'll receive, such as:

  • Plan review, design and marketing
  • Renewal analysis
  • Carrier/vendor negotiations and selection
  • Pre-renewal estimates for strategy and budget planning
  • Plan performance reports
  • Comprehensive employee communications program
We also will help you save considerable time and money by providing assistance with many administrative tasks. All of our services are delivered with the personalized, proactive attention you deserve. They include:
  • Strategic Financial Program
  • Compliance Sessions and Benefit Attorney
  • Patient Advocate Program
  • Legislative Compliance and Marketplace Updates
  • Employee Benefit Plan Survey
  • Internet / Intranet support and online benefits administration
International Benefits
In today's global economy, many employers, large and small, have locations outside the U.S. or provide coverage for employees assigned or deployed overseas. We will assist you in planning, developing and implementing international benefit programs, including retirement plans. We have years of experience in working with the benefits of Expatriates and local nationals.

To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.


 
RETIREMENT PLANS

Establishing and maintaining an excellent employee retirement plan is a highly desirable goal but often challenging to accomplish. An attractive program helps attract quality employees to your company, maintain good morale and reduce employee turnover. As an SEC Registered Investment Advisor, UNFCU Financial Advisors is ideally equipped to assemble retirement plans for you. Our service delivery model is very flexible and we will work with you to design an advisory service program that is customized to your needs. Additionally, our focus on the retirement planning needs of employees and members has led to the creation of innovative programs such as Income Solutions®.

Products/Services

  • Retirement Plans such as 401(k), 403(b), Defined Benefit & 457 Plans
  • Executive Compensation Plans/Programs
401(k) Advisory Services Plan Sponsors - Offering a retirement plan that appeals to your company and its employees requires more than picking "off-the-shelf" products — which may fall short of your expectations and have high or hidden costs -- or selling you a single family of funds that have no range of choices.

We provide cost-efficient retirement-plan services that are designed for you and your employees. We have developed a relationship with a third party record-keeper and administrator to provide affordable, flexible and customized 401(k)/profit sharing services. Your employees could benefit from our commitment, resources, and experience to establish a retirement plan for your business.

UNFCU Financial Advisors offers independent investment advisory services to you as the plan sponsor. Included are the following services:

  • Investment Policy Statement Design
  • Fund Selection and Ongoing Monitoring of Investments
  • Asset Allocation Strategies and Personalized Advice
  • Participant Education Services
For more information please call 1-212-476-8700, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

INVESTMENT MANAGEMENT

The management of your assets is a dynamic process. Balancing assets and liabilities creates challenges and opportunities.

Managing a prudent and viable portfolio is our business. We know how to deliver integrated strategies that can utilize a wide array of capabilities that encompass planning, investment management and sound asset liability management.

You can rely on our knowledge, experience and expertise to enable you to select appropriate asset allocation strategies. We can assist you with your investments and cash flow for your organization.

Investment Philosophy

We base our approach to effective investment management on the following core beliefs:

  • Diversification and balance:
    Diversification across asset classes (together with the appropriate asset weightings within portfolios) improves long-term investment returns while reducing volatility.

  • Turnover erodes returns:
    Excessive turnover, either of assets within portfolios or of whole portfolios, contributes to long-term underperformance.

  • Cost minimization is an important component of investment management:
    Investment management related costs, including fees and transaction costs, will negatively affect performance especially if such costs are compounded over long periods.

  • Determinants of performance:
    Asset allocation and portfolio structure - more than individual security selection or market timing - are the principal components of investment performance.
Empirical research has shown that investors are better served by a disciplined investment approach, especially an approach that combines an understanding of the investor's goals and risk tolerance within a well-defined strategy. Our objective in constructing efficient portfolios is to maximize expected returns for a desired level of risk.

Our Investment Process

  • Determination of Risk Preference
  • Top-Down Asset Allocation Modeling
  • Creation of Efficient Portfolio Structures
  • Selection of Asset Classes and Setting of Weightings
  • Monitoring and Re-balancing
To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

FIDELITY & SURETY BONDS

As an advisor, we can assist you with the purchase of a Fidelity or Surety Bond that meets your required regulations and your duties to safeguard your operations. Internal theft from employees is just has traumatic as fraudulent violations. If you thought about reviewing Bond coverages, we can help.

Commercial Property and Casualty

As a companion to most Bond packages, insuring your buildings, contents, and equipment around the world is of equal importance. Guided by our principles of Trust, Service, and Experience, we can assist you with making sure you have the proper insurance coverage.

To learn more, please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.


 
Lifetime Income with Income Solutions®

Why is Lifelong Income Essential For Today's Retirees?
Advances in medical care and healthier lifestyles have substantially increased life expectancy in America. Today nearly half of males age 65 will live beyond age 85. The numbers are even greater for women. Couple age 65, at least one person has nearly a 50% chance of living beyond age 92!

Living longer, healthier lives is certainly an exciting proposition, but ensuring that your retirement savings will last 20 to 30 years, and possibly longer, is a challenge; therefore income sufficiency must be a critical part of a successful retirement plan. Income Solutions® provides a guaranteed income stream for life.

Learn More >

Take Control of Your Retirement with Income Solutions®
Income Solutions® is an innovative immediate income annuity program designed to help you reduce the risk of outliving your retirement assets. This unique program provides the tools, education, and application necessary to easily convert a portion of your retirement savings (401k, IRA or other qualified plan account ) into a steady income stream for life.

Learn More >

How Does It Work?
Purchase institutionally priced immediate income annuities which, due to reduced costs, offer lower commissions and a competitive quote process, generally resulting in higher monthly income payments¹ than a traditional retail annuity.

The Income Solutions® website features easy to use tools that help you estimate how much monthly income you will need based on your expenses. Retirement income planning advisors are available to assist you at any stage of the process.

Learn More >

Features & Benefits of Income Solutions®

  • Income Replacement at the Lowest Cost
  • Institutional Pricing & Low Commissions
  • Choice of High Quality Insurance Carriers offering Competitive Quotes
  • Multiple Annuity Payment options
  • Ability to Allocate $ to Multiple Insurance Companies
  • Inflation Adjustment Options

Learn More >

¹Annuity payments are guaranteed by the issuing insurance company.

To learn more please call 1-212-324-3900, or email info@unfcuadvisors.com. Office hours Monday-Friday 8AM-5PM EST.
 

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.