Financial Planning

HRCU and Northeast Planning Associates have partnered to provide HRCU members easy and convenient access to financial planning services. Both organizations share the same philosophy of providing exceptional care and service alongside trusted products.

Through its partnership with Northeast Planning Associates, HRCU members have access to personal, face-to-face financial planning services. Northeast Planning Associates has an office at HRCU’s main branch in Rochester, making it convenient for members to meet with a CERTIFIED FINANCIAL PLANNER^TM practitioner.

If you are like most of us, you have an idea of where you want to go, but are too busy to plan your financial future. We all want happiness and financial well-being. Unfortunately, most of us have no clear plan on how to work towards these goals.

Like any other goal, one of the best ways to work towards financial independence is to create a plan that helps you strive to gain the things you want. That is where Northeast Planning Associates, Inc. comes into play, offering you an array of services that can help you work towards your financial goals.

• Asset Protection Strategies
• Business Planning
• Philanthropic Wealth Distribution Strategies
• Retirement & Estate Planning
• Estate Tax Planning
• Wealth Distribution Strategies
• Wealth Management Strategies
• Stock Option Management
• Concentrated Stock Position Disposition
• Execution Deferred Compensation Plans
• Inflation Hedging Strategies

• Bonds & Managed Bond Portfolios
• Equities & Managed Equity Portfolio
• Managed Futures
• Non-Traded REITS
• Unit Investment Trust (UIT’s)
• Fixed & Variable Insurance Products
• Alternative/Non-Correlated Investments
• Cash Alternatives
• 529 Plans
• 401k Plans

Asking questions and really listening to your answers is the best way we can understand your financial needs. Together we will review your present situation and define future goals. We then analyze your current situation and review exactly what steps are necessary to assist you in working toward your specific financial objectives.

We start by putting together a strategy of specific recommendations that, taken together, form a comprehensive financial plan that is tailored to your personal financial situation. Once the plan is in place, we take the time to meet with you and clearly explain what is being recommended and why.

One of the most important services we can provide is to help you implement the recommendations we have made. Whether it's savings, investments, or insurance, we have the ability to help you execute your decisions.

Remember that unknown factors, both positive and negative, are always ahead of us. We will be there to help make the adjustments needed so that your financial plan continues to work towards your goals. We are your partner.