Financial Services Learn more about other Financial Products and Services available to California Pacific Federal Credit Union members through True North Financial Group.             Sam Oceguera Financial Services Professional Contact Sam Oceguera (510)789-2408 soceguera@finsvcs.com Sam Oceguera of True North Financial Group provides access to an array of investment, annuity, and insurance related products and services. He will discuss your financial goals and work with you to build a financial strategy to help make your goals a reality. Your strategy may utilize mutual funds, annuities, life insurance, disability income insurance or long term care insurance. Products & Services Financial Products & Strategies • Life and Disability Income Insurance • Retirement Income Needs • Budgeting and Cash Flow Study Retirement Products & Strategies • Individual Retirement Accounts (IRAs) • Fixed and Variable Annuities • Retirement Needs Analysis • Tailored Retirement Programs • Long Term Care Insurance Tuition Funding Programs • College Costs Analysis • Insurance and Investments Investment Products • Mutual Funds • Unit Investment Trusts • Variable Annuities Estate Planning • Tax Reduction Strategies • Charitable Giving • Hypothetical Probate Needs Analysis Business Continuation Strategies • Funding Option Analysis • Buy - Sell Strategies • Family Business Succession • Key Person Insurance Executive Fringe Benefits • Executive Bonus Plans • Split Dollar Insurance • Deferred Compensation Funding • Salary Continuation Plans • Non-Qualified Executive Fringe Benefits Employee Benefit Program • Life and Disability Income Insurance • Pension, Profit Sharing, and 401k Plans • Payroll Deduction Plans • SIMPLE IRAs • Non-Qualified Retirement Programs Not all products and services offered through MassMutual. Licensing Sam Oceguera is Licensed to sell Insurance in the following states:  CA Sam Oceguera is Licensed to sell securities in the following states:  CA He cannot communicate with nor respond to inquiries from users who reside in jurisdictions where he is not licensed to conduct insurance or securities business. CA Insurance License # 0F83579  Neither MassMutual nor any of its employees or agents are authorized to give legal or tax advice.  Consult your own personal attorney legal or tax counsel on specific legal and tax matters. Sam Oceguera is a registered representative of and offers securities through MML Investors Services, Inc., member SIPC www.sipc.com . Supervisory office, 2121 N. California Blvd., Ste 395, Walnut Creek, CA 94596 (925) 979-2300.  Insurance offered through Massachusetts Mutual Life Insurance Company (MassMutual) and other fine companies.  True North Financial Group and California Federal Credit Union are not subsidiaries or affiliates of MML Investors Services, Inc or MassMutual. • NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION • NOT FDIC OR NCUA INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY ANY BANK OR CREDIT UNION • MAY GO DOWN IN VALUE CRN201107-122423 California Pacific FCU- Sharing In Your Future