Debt and Wealth Management

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GUARDIAN FCU
Guardian Federal Credit Union is a not-for-profit, member-owned financial cooperative that offers financial counseling at no cost to its members and does not accept donations or fair-share contributions from the creditors.
 Working with you for a bright financial future.

FINANCIAL COUNSELING
is for members who have money and want to make better use of their money or struggling; contact your financial counselor at 757-397-1234 or 800-659-1850, extension 126.

• We are pleased to be able to offer FREE financial counseling to our members
• Will help you to gain control of your finances so you are better able to handle your day-to-day expenses.
• You are assisted in devising a spending plan where you are able achieve financial goals.
• At Guardian FCU, our focus is on your financial well-being.

DEBT MANAGEMENT
is for the members whose funds are not able to cover all of their day-to-day expenses and debt; contact your financial counselor at 757-397-1234 or 800-659-1850, extension 126.

• Can help you avoid bankruptcy and reestablish your valuable credit history with strategies including:
1. Working with creditors toward reduced payments and possible reduced interest rates and stopping late fees
 
2. Adjusting your financial priorities and lifestyle
 
3. Referrals to outside agencies when necessary
 
• A person on the Debt Management Program submits payments each month to the credit union, which are then disbursed to the creditors until all the debt is paid in full.
 
• This process helps the debt to be paid off quickly.

FRESH START LOANS
are for the member who is unable to get any credit but wants to reestablish credit.

• A $500 loan to help you rebuild your credit history
• Call or visit your member service representative to apply for the loan
• No credit
• Bad Credit
• Slow Credit

MONEY MANAGEMENT
is free to our members so visit or call the financial counselor at 757-397-1234 or 800-659-1850, extension 126.

• Helps you to determine where your money goes by using a spending plan
• Spending plans
• Tracking spending
• Needs VS Wants

The most commonly asked financial question is, “Where does it all go?” We can help you find the answers, by:

• Analyzing your income and expenses
• Establishing short and long-term goals
• Helping you formulate a personalized spending plan
• Helping you make sound financial decisions

FINANCIAL INFORMATION STATEMENT
for those interested in any of the above services please clink the link below.

Please complete this form giving all the information you can. If you are in the area, bring this form with you to your counseling appointment, along with your most current pay stubs showing a month’s pay and current bill statements. Please be courteous and call 757-397-1234, ext. 126 if you cannot keep your appointment or if you need to reschedule. If you are outside the Hampton Roads area, please call 1-800-659-1850, ext. 126 and/or fax the above mentioned information to the Financial Counseling Department at 757-393-9447.

FINANCIAL COUNSELING BROCHURE
will give you additional information concerning the services above.

COMDTINST 1740.3 approved as a provider of financial education to the Coast Guard family. Please contact us for more information.

FINANCIAL PLANNING, RETIREMENT, COLLEGE EDUCATION, etc.

WEALTH MANAGEMENT

• Helps one to increase assets in many ways.
• Helps maintain and protect your assets.
• The services below can help to direct your cash into accounts that best match your financial goals and to help to match your financial risk tolerance.

MEMBERS FINANCIAL NETWORK (MFN)
is an Insurance and Brokerage Center to help you with your retirement, money management and insurance products such as life, health, accident, home and car insurance.

• Access the tools you need to organize your financial life.
• You will find financial workbooks featuring a dozen integrated calculators, as well as checklists and tips and a library of financial articles.
• Realize your financial goals with solutions tailored to your needs with investment and insurance products offered by CUNA Mutual.

CAPITAL CONCEPTS, LLC

a financial services firm based in Virginia Beach has partnered with GFCU to provide wealth management services to members.  Capital Concepts mission is to maintain a financial services network that is considered by its’ clients and the Hampton Roads Community as a source of  trusted advice.  Representatives from Capital Concepts are available to sit with you face to face in one of our branches to discuss your needs - Protecting, Accumulating, Managing and Transferring Wealth.

Services Provided:  Comprehensive & Module Financial Planning, Retirement Planning, Educational Funding, Estate Planning and Risk Management.

* Products Provided: Exchange Trade Funds, Mutual Funds, Stocks, Bonds, Annuities, 529 Plans, Life and Longterm care Insurance.

*Carefully consider the investment objectives, risks, charges and expenses of a fund or sub account before investing.  This and other information is contained in a fund, contract and sub account prospectus available from your registered representative.  Read the prospectus carefully before investing.  Mutual funds and variable annuities are sold by prospectus.  Their value will fluctuate so that upon redemption may be worth more or less than the original cost.
Securities offered through GWN Securities, Inc., Member FINRA & SPIC

Advisory Services offered through INTERACTIVE FINANCIAL ADVISORS
Capital Concepts LLC, GWN Securities, Inc., Interactive Financial Advisors are not affiliated.