Inheritance & Estate Planning
You've worked hard to build a legacy for your loved ones. Let 4Front Credit Union and CUSO Financial Services (CFS) help ensure a seamless transfer of wealth to your designees.
Wills and Trusts | There IS a difference
A will is a document that communicates to legal authorities what should happen to your possessions in the event of your death. If you have minor children, it designates their legal guardian. After your death, a will is verified as “valid” in probate court and probate proceedings begin. Wills serve as the foundation of an effective estate plan.
Trusts are legal arrangements designating one or more people or a legal entity (referred to as a "trustee") to manage the assets for someone else’s benefit (the beneficiaries). There are many classifications and types of trusts. A CFS advisor can help you with many aspects of estate planning guidance.
Estate Planning | What happens to your estate when you pass away
Upon an individual's death, they may have assets in their name only. Those assets must first proceed through a legal process before they can be distributed to designated beneficiaries. Rather than burden a family member or friend, many individuals choose to appoint a trust company as executor or personal representative to handle this process. Contact our financial advisor for more information.
Eric Gandy | Financial Advisor
CUSO Financial Services, L.P.
Eric embraces a holistic approach to financial planning, getting to the core of your needs and focusing upon what matters most to you and your loved ones.
Whether you’re just starting to save, anticipating college expenses, wishing to discuss the right time to retire, or wondering how long your current nest egg will last, Eric’s proven client-centric approach ensures a solid foundation regardless of life stage or financial goals.
Besides holding the Series 7 (General Securities) and Series 66 (Uniformed Combined State Law) licenses, Eric is also licensed in life, accident and health insurance in addition to variable contracts. He possesses a degree in Business Management from Saginaw Valley State University.
Connect with Eric to discuss your financial future by calling 231.943.2624 or complete and submit the form below.
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*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. 4Front Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. Financial Advisors 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.Go to main navigation