Financial Planning
We know your financial future and your family's financial future
are important to you. Here are some BHFCU financial planning resources
that will provide the member service you deserve.
AXA Advisors, LLC
We all have ideas of where we would like to be as time goes on.
What comes to mind when you imagine your future? Where do you
see yourself? Your family? How do How do you view your retirement
years? Next year?
Your actions in the present will significantly impact the shape
of your future. That is why professional advice can be invaluable.
A trusted financial advisor can help you prioritize your aspirations,
clarify the financial implications and requirements of each, and
provide you with tools to help you reach them.
As you probably are aware, your Credit Union has entered into
an exclusive relationship with AXA Advisors to provide financial
planning services for you. By taking a few strategic steps now
with the direction of financial professional, you may shorten
the path to your goals and ensure your financial security.
You can turn to AXA Advisors as a trusted source for effective
advice and answers to your financial questions. Your goals are
individual to you, and the process to work toward reaching them
should also be customized to you. AXA Advisors focuses on a face-to-face,
consultative relationship, so your specific needs can be involved
in managing your finances, and receive professional guidance in
a way that fits easily into your lifestyle.
Your vision for the future warrants more than a one-size-fits-all
formula. AXA's approach to developing financial strategies rests
on this important fact. They start by helping you prioritize your
needs and aspirations, and apply their experience and knowledge
to enable you to make educated decisions. By examining your current
situation in light of your goals, we can help you identify both
the gaps and opportunities, and then outline your options.
Even those with a sophisticated comprehension of financial concepts
can usually benefit from the additional experience and perspective
of one of our financial professionals. Through collaboration with
your AXA professional, you can develop a broader view of your
financial situation. You can discover how different financial
vehicles can be matched with your short and long-term goals to
help you reach them more easily. The proliferation of information
resources available today has allowed many people the opportunity
to develop a greater awareness of financial subjects. We can enhance
your understanding by helping you sort through all of the information,
and distill what is relevant to your needs.
You can benefit from ongoing, objective advice through each life
stage and changing circumstance. Your personal situation will
change over time, requiring more than a one-time analysis. Changes
in legislation and the economic environment can also affect your
needs. We can outline the implications each change has on your
financial standing, and help make any necessary adjustments. As
a result, you can feel in control of your financial well-being
and confident that you are doing all you can to prepare for your
future.
Take advantage of these services offered by your Credit Union
and contact your AXA representative or your branch office today
to set up an appointment.
New Martinsville, WV
Philip R. Mason, Ph.D., MBA, Financial Consultant
Phone: (304)455-4029 Ext. 1256
E-mail: Philip.Mason@AXA-Advisors.com
- Available Tuesday & Wednesday 9:30 am - 4:30 pm.
- Additional times by appointment.
Philip Mason, a Financial Consultant with AXA Advisors, LLC,
focusing in the areas of retirement and investment planning, has
offices at the Bayer Heritage Federal Credit Union in:
- New Martinsville
- Fairmont
Individuals may transact business and/or respond to inquiries
only in the states in which they are properly qualified. Philip
Mason is licensed to transact insurance business in the following
states: AZ, DC, FL, NJ, OH, PA, SC, TX, and WV; and is registered
to offer securities products in the following states: AZ, DC,
FL, NJ, OH, PA, SC, TX, and WV; and is authorized to offer investment
advisory services in the following states: AZ, DC, FL, NJ, OH,
and WV.
Pittsburgh, PA
Donald E. Johnson, ChFC,CLU, Financial Consultant
Phone: (412)392-2772
E-mail: Donald.Johnson2@AXA-Advisors.com
Individuals may transact business and/or respond to inquiries
only in states in which they are properly qualified. Donald Johnson
is licensed to transact insurance business in the following states:
FL, KS, MA, MD, MO, NJ, OH, PA, and WV; and is registered to offer
securities products in the following states: CO, FL, KY, MA, MD,
NJ, OH, PA, SC, and WV; and is authorized to offer investment
advisory services in the following states: CO, FL, KY, MA, MD,
NJ, OH, PA, and WV.
David Schuttig, Financial Consultant
Phone: (412)392-2772
E-mail: David.Schuttig@AXA-Advisors.com
- Office hours by appointment.
Individuals may transact business and/or respond to inquiries
only in states in which they are properly qualified. David Shuttig
is licensed to transact insurance business in the following states:
CO, FL, IN, MD, NY, OH, PA, SC, and WV; and is registered to offer
securities products in the following states: CO, FL, IN, MD, NY,
OH, PA, SC, and WV; and is authorized to offer investment advisory
services in the following states: CO, FL, IN, MD, OH, PA, SC,
and WV.
Baytown, TX
Steve Flodder, Financial Consultant
Phone: (281)578-7878
- Representatives available Friday 10:00-2:00 or by appointment.
Individuals may transact business and/or respond to inquiries
only in states in which they are properly qualified. Steven Flodder
is licensed to transact insurance business in the following states:
NJ, OH, and TX; and is registered to offer securities products
in the following states: CA, CO, FL, IA, MN, NC, NJ, NM, NY, OH,
OK, TX, and WV; and is authorized to offer investment advisory
services in the following states: CA, CO, FL, MN, NC, NJ, NY,
OH, OK, TX, and WV.
Bushy Park, SC
William Milton, MBA, Financial Consultant
- Available every other Friday 9:00 am to 1:00 pm.
- Additional times by appointment.
Individuals may transact business and/or respond to inquiries
only in states in which they are properly qualified. William Milton
is licensed to transact insurance business in the following states:
GA, NC, SC, and TX; and is registered to offer securities products
in the following states: CA, GA, MA, NC, SC, and VA; and is authorized
to offer investment advisory services in the following states:
CA, GA, NC, NY, SC, and VA.
Contact BHFCU for more information.
www.AXAonline.com
The information in this web site is not investment or securities
advice and does not constitute an offer.
Securities and investment advisory products and services are
provided by AXA Advisors, LLC, 1290 Avenue of the Americas, NY,
NY 10104, (212) 314-4660 (a registered broker-dealer and investment
advisor, member NASD and SIPC), and its registered representatives.
Registered representatives are also insurance agents appointed
with AXA Network, LLC, and its subsidiaries offering annuity and
insurance products. Individuals may transact business and/or respond
to inquiries only in states in which they are properly qualified.
Securities and life insurance products/services are not offered
by Bayer Employees Federal Credit Union. The purchase of life
insurance and securities products is not required to obtain credit
or other services from Bayer Heritage Federal Credit Union.
Securities (including mutual funds) and insurance products
are:
NOT insured by the NCUA or any state or federal agency
NOT deposits or obligations of, or guaranteed by Bayer Heritage Federal Credit Union
Subject to investment risks including the possible loss of
principal
AGE-34167 (12/05) (exp. 12/07)
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