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Retirement & Investment Services

How is your financial health?

Experiencing a life change, such as getting married, having a child, approaching retirement, preparing to send a son or daughter off to college are a few life events that may prompt you to consider your financial health and future. We are here to help you plan and prepare! We are accepting appointments for a complementary, no-obligation review of your financial health!


Finger Lakes Federal Credit Union is pleased to offer retirement and investment services to our members. The Credit Union has partnered with Higgins Financial Advisors to provide these services which will include financial and retirement planning. Higgins Financial Advisors is excited for the opportunity to assist Credit Union members in making sound financial decisions, review your investments and help you make long-term plans for building wealth and retirement.



Schedule an Appointment

With offices in Geneva and Fairport, Higgins Financial Advisors will be happy to meet you by appointment in any Credit Union branch location at your convenience. Higgins Financial Advisors will work closely with you to determine retirement income needs, develop long-term retirement plans, design and or review investment portfolios, and plan follow-up meetings to review and update plans as needed.

 

Schedule an Appointment
 

Higgins Financial Advisors Areas of Expertise:

  • Traditional IRA/Roth IRA
  • Income Tax Planning/Tax Reduction Strategies
  • Public School Teacher/Administrator 403(b)
  • College Financial Planning (529 Plans)
  • Custodial/Trust Accounts
  • NYTRS Pension Claiming Strategies
  • Risk Management Strategies
  • Social Security Claiming Strategies
  • Small Business Simple IRA, SEP IRA, 401(k) & Profit Sharing Plans
  • Investment Oversight Review (Mutual Funds, Stocks Bonds, ETFs, Annuities, etc.)

With over 50 years of combined experience, Higgins Financial Advisors are ready to assist you with all your financial planning needs. Click here to meet the team! Check the background of investment professionals on FINRA Broker Check.


 
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The Finger Lakes Federal Credit Union Retirement and Investment Services program is offered through Royal Alliance Associates (RAA). Securities and investment advisory services offered through Royal Alliance Associates, Inc. RAA member FINRA/SIPC. RAA is separately owned and other entities and/or marketing names, products and services referenced here are independent of RAA. RAA does not provide tax or legal advice. Higgins Financial Advisors/RAA is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.


Thomas Higgins is a Registered Representative of and offers securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker-dealer. Higgins Financial Advisors is not affiliated with Royal Alliance Associates or registered as a broker dealer or investment advisor. Additional Advisory services offered through Royal Alliance Associates, Inc. a Registered Investment Advisor. Mark T. Higgins is a Registered Representative of and offers securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker-dealer. Higgins Financial Advisors is not affiliated with Royal Alliance Associates or registered as a broker dealer or investment advisor. In this regard, this communication is strictly intended for individuals residing the States of (AZ, CO, CT, DC, FL, MA, MD, ME, MO, NY, OR, PA, SC, TX and VA) No offers may be made or accepted from any resident outside the specific State(s) referenced. Advisory services offered through Royal Alliance Associates, Inc, a Registered Investment Advisor.


IMPORTANT CONSUMER INFORMATION:


A broker-dealer, investment adviser, BD agent or IA rep may only transact business in a State if first registered or is excluded or exempt from State broker-dealer, investment advisor, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a State by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensations, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent or IA rep, a consumer should contact his or her state securities law administrator.


Securities and investment advisory services offered through Royal Alliance Associates, Inc., member FINRA/SIPC and a registered investment advisor. Non-deposit Investment Products are not insured by FDIC or NCUA: are not deposits or other obligations of Finger Lakes Federal Credit Union or the FDIC or NCUA and are not guaranteed by FLFCU, the FDIC or NCUA: and are subject to investment risk, including the possible loss of the principal invested. Royal Alliance Associates, Inc. is not affiliated with the FLFCU, its affiliates, divisions or subsidiaries. Higgins Financial Advisors is not affiliated with Royal Alliance Associates, Inc., or registered as a broker dealer or investment advisor. All Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary. Higgins Financial Advisors main office is located at 6819 Pittsford Palmyra Rd, Suite 100 in Fairport NY, 14450.

Phone: 585-223-2500 Fax 585-223-2509