Retirement strategy tips from Copper Financial

Disclosures

Copper Financial Network, LLC (“Copper Financial”) has agreements with United Nations Federal Credit Union (“UNFCU”) whereby Copper Financial offers investment products and services to members of UNFCU that are referred to Copper Financial by UNFCU or its affiliates. UNFCU and its affiliates are not clients of Copper Financial. In exchange for the referrals from UNFCU and its affiliates, Copper Financial pays UNFCU a referral fee, which represents a portion of the commissions and fees generated from investment advisory accounts, brokerage accounts, and insurance contracts opened and maintained by members of UNFCU. The referral fee is paid to UNFCU as long as (1) your accounts are open with Copper Financial; and (2) UNFCU and Copper Financial maintain their agreement. Contact compliance@cu.financial to obtain the specific range of the referral fee paid by Copper Financial to UNFCU. The financial professional who recommends investment products and services to you is an employee of Copper Financial and the amount of compensation the financial professional receives is determined by Copper Financial. The payment of referral fees by Copper Financial to UNFCU creates a conflict of interest by incentivizing UNFCU and its affiliates to make referrals to Copper Financial. UNFCU receives the same referral fee from Copper Financial regardless of the type of account or investment you hold with Copper Financial.

UNFCU does not provide investment services. Please note that representatives are employees of Copper Financial and not affiliated with or employed by UNFCU or UNFCUA. Copper Financial pays a fee to UNFCU for referring UNFCU members to Copper Financial for investment products and services.

Investments are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of UNFCU, and may involve investment risk, including possible loss of principal.