Financial Planning To our Valued Members: As an important member of California Pacific Federal Credit Union, we want to make sure you are aware of the recent expansion of the products we have available to you, our members. We have added Financial Planning Services that you would ordinarily have to go elsewhere to obtain. Our new Financial Advisor, David Grodin, offers Financial Planning at NO-COST to all of our members, to include the following: Financial Resources Analysis • Life & Disability Income Insurance Needs • Analysis of Savings and Investments • Retirement Income Needs • Budgeting and Cash Flow Study Retirement Planning • Individual Retirement Accounts (IRA's) • Fixed and Variable Annuities • Retirement Needs Analysis • Long Term Care Insurance Tuition Funding Programs • College Cost Analysis • Analysis of Investment Alternatives • Insurance and Investment Plans Open Platform Investment Products • Mutual Funds • Unit Investment Trusts • Direct Participation Programs • Securities brokerage Services Estate Analysis • Hypothetical Probate Analysis • Tax Reduction Stratigies • Charitable Giving Business Continuation Planning • Funding Option Analysis • Buy- Sell Stratigies • Family Business Succession Planning • Key Person Insurance We are excited to add this coveted service to the many products and services available to our members and we hope you will stop in soon to meet David Grodin. If you are ready to take advantage of your no-cost financial review, please call David at (510) 432-4243. California Pacific FCU - Sharing in Your Future