Investments & Insurance

We have partnered with UNFCU Financial Advisors™ to provide you with an expanded range of investment, insurance and retirement products and services.

UNFCU Financial Advisors™ is a wholly owned subsidiary of the United Nations Federal Credit Union — a financial organization serving the United Nations community since 1947 with a tradition of trust, integrity and unparalleled service.

UNFCU Financial Advisors™ is committed to helping you realize your short and long-term financial goals and objectives as well as assess risk and insurance needs. From retirement and investment services to insurance planning and real estate assistance, UNFCU Financial Advisors™ offers a wealth of resources for both Individuals and businesses.

Learn more or take advantage of these innovative, comprehensive and flexible programs and services today!

Please note, investments made through UNFCU Financial Advisors

  • are not federally insured;
  • are not obligations of the credit union;
  • are not guaranteed by the credit union;
  • involve investment risk

Retirement Solutions

We are pleased to introduce our latest innovative service offering called Retirement Solutions to help you on the journey into your retirement years.

As your partner, we provide you with valuable programs that represent our commitment towards assisting you with retirement issues that you won’t find at other firms. Whether it’s maximizing your retirement income or assisting you with downsizing your home, we are committed to providing valuable products and services.

We invite you to explore our Retirement Solutions website for more details. To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Lifetime Income with Income Solutions®

Why is Lifelong Income Essential For Today’s Retirees?

Advances in medical care and healthier lifestyles have substantially increased life expectancy in America. Today nearly half of males age 65 will live beyond age 85. The numbers are even greater for women. Couple age 65, at least one person has nearly a 50% chance of living beyond age 92!

Living longer, healthier lives is certainly an exciting proposition, but ensuring that your retirement savings will last 20 to 30 years, and possibly longer, is a challenge; therefore income sufficiency must be a critical part of a successful retirement plan. Income Solutions® provides a guaranteed income stream for life.

Learn More >

Take Control of Your Retirement with Income Solutions®

Income Solutions® is an innovative immediate income annuity program designed to help you reduce the risk of outliving your retirement assets. This unique program provides the tools, education, and application necessary to easily convert a portion of your retirement savings (401k, IRA or other qualified plan account ) into a steady income stream for life.

Learn More >

How Does It Work?

Purchase institutionally priced immediate income annuities which, due to reduced costs, offer lower commissions and a competitive quote process, generally resulting in higher monthly income payments1 than a traditional retail annuity.

The Income Solutions® website features easy to use tools that help you estimate how much monthly income you will need based on your expenses. Retirement income planning advisors are available to assist you at any stage of the process.

Learn More >

Features & Benefits of Income Solutions®

  • Income Replacement at the Lowest Cost
  • Institutional Pricing & Low Commissions
  • Choice of High Quality Insurance Carriers offering Competitive Quotes
  • Multiple Annuity Payment options
  • Ability to Allocate $ to Multiple Insurance Companies
  • Inflation Adjustment Options

Learn More >

1Annuity payments are guaranteed by the issuing insurance company.

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Retire with Confidence

There are many important financial decisions to make in retirement. One of the most critical involves deciding what do with your retirement account at work. This process can seem daunting and downright confusing. It doesn’t need to be. Your credit union can help.

Employer Rollovers Made Simple

Please complete the form below or call your credit union and a representative will contact you to proceed with this important step. We will simplify the process to open an IRA account so that your employer retirement account funds can be deposited at the place you trust. Ensuring you are using your retirement savings properly and maximizing your retirement income is how we can help.

Consolidate for Simplicity and Control

It is likely that over the years you’ve accumulated accounts at various financial institutions, or left the money behind at a previous employer. Managing this can prove difficult and may hinder the development of an appropriate retirement income plan. Your credit union will assist you in consolidating these accounts into one account at the credit union.

TIPS

  • Before making any decision about your pension distribution, be sure to contact your credit union first.
  • Once you retire, a retirement income plan should be developed.
  • Consolidating your accounts will help in preparing an effective retirement income plan.

To start the process or to learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Financial and Retirement Planning, Charitable Giving

 

Achieving a financial goal can be a comprehensive one, like estate planning, or goal specific, such as retirement. Our flexible fee structure offers you the option of either a fee-based plan or hourly fee consultation. We will develop and manage your strategy with a custom plan. Your personal goals and objectives will be laid out, giving you the choice to implement them through your existing financial provider(s) or execute the plan through us.

We will analyze your situation and give you our independent and unbiased opinion. This will involve reviewing assets you hold at multiple institutions, risk assessments, and tax position to help us help you achieve your future desires.

Our ongoing relationship with you ensures that your life’s changing circumstances are being addressed and the plans adjusted accordingly.

Charitable giving can be a complementary tool to exclude property from your gross estate and to benefit a worthy cause. Charitable Gift Annuities, Charitable Lead Trusts and Charitable Remainder Trusts are some of the possibilities to consider.

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Wealth Management & Investment Advisory

The management of your assets is a dynamic process. Wealth creates challenges and opportunities.

Tax and estate laws are in constant flux. Above all, the financial realities you and your family face are constantly changing. Managing wealth is our business. We know how to deliver integrated strategies that can utilize a wide array of capabilities that encompass planning, investment management and trust services, among others.

Markets rise and fall. Portfolio values fluctuate. You can rely on our knowledge, experience and expertise to enable you to select appropriate asset allocation strategies.

Our Investment Philosophy

Empirical research has shown that investors are better served by a disciplined investment approach, especially an approach that combines an understanding of the investor’s goals and risk tolerance within a well-defined strategy. Our objective in constructing efficient portfolios is to maximize expected returns for a desired level of risk.

We base our approach to effective investment management on the following core beliefs:

  • Diversification and balance:

    Diversification across asset classes (together with the appropriate asset weightings within portfolios) improves long-term investment returns while reducing volatility.

  • Turnover erodes returns:

    Excessive turnover, either of assets within portfolios or of whole portfolios, contributes to long-term underperformance.

  • Cost minimization is an important component of investment management:

    Investment management related costs, including fees and transaction costs, will negatively affect performance especially if such costs are compounded over long periods.

  • Determinants of performance:

    Asset allocation and portfolio structure – more than individual security selection or market timing – are the principal components of investment performance.

Our Investment Process

  • Determination of Risk Preference
  • Top-Down Asset Allocation Modeling
  • Creation of Efficient Portfolio Structures
  • Selection of Asset Classes and Setting of Weightings
  • Monitoring and Re-balancing

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

WelcomeHomeProgram

UNFCU Welcome Home Program™

Real Estate and Relocation Assistance and Benefits

The WelcomeHomeProgram is a FREE, multi-faceted service that offers assistance with buying, selling and financing real estate as well as relocation and rental services and resources. This unique program will save you time and money By signing up and using one of our recommended agents, you can earn up to $2,400 cash back* on the sale or purchase of your home (US only). We also provide services and discounts on apartment rentals in Manhattan and the Washington D.C. area.

Visit the WelcomeHomeProgram™ website and/or contact us to learn more!

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

*Cash back not available by law in some states. All real estate commissions are negotiable. You must be represented by the assigned program real estate firm at closing to qualify. Contact the program for terms and conditions and to confirm eligibility. Consult your tax advisor with respect to the correct tax treatment of any cash back you receive.

 

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Retirement Solutions

We are pleased to introduce our latest innovative service offering called Retirement Solutions to help you on the journey into your retirement years.

As your partner, we provide you with valuable programs that represent our commitment towards assisting you with retirement issues that you won’t find at other firms. Whether it’s maximizing your retirement income or assisting you with downsizing your home, we are committed to providing valuable products and services.

We invite you to explore our Retirement Solutions website for more details. To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

 

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Lifetime Income with Income Solutions®

Why is Lifelong Income Essential For Today’s Retirees?

Advances in medical care and healthier lifestyles have substantially increased life expectancy in America. Today nearly half of males age 65 will live beyond age 85. The numbers are even greater for women. Couple age 65, at least one person has nearly a 50% chance of living beyond age 92!

Living longer, healthier lives is certainly an exciting proposition, but ensuring that your retirement savings will last 20 to 30 years, and possibly longer, is a challenge; therefore income sufficiency must be a critical part of a successful retirement plan. Income Solutions® provides a guaranteed income stream for life.

Learn More >

Take Control of Your Retirement with Income Solutions®

Income Solutions® is an innovative immediate income annuity program designed to help you reduce the risk of outliving your retirement assets. This unique program provides the tools, education, and application necessary to easily convert a portion of your retirement savings (401k, IRA or other qualified plan account ) into a steady income stream for life.

Learn More >

How Does It Work?

Purchase institutionally priced immediate income annuities which, due to reduced costs, offer lower commissions and a competitive quote process, generally resulting in higher monthly income payments1 than a traditional retail annuity.

The Income Solutions® website features easy to use tools that help you estimate how much monthly income you will need based on your expenses. Retirement income planning advisors are available to assist you at any stage of the process.

Learn More >

Features & Benefits of Income Solutions®

  • Income Replacement at the Lowest Cost
  • Institutional Pricing & Low Commissions
  • Choice of High Quality Insurance Carriers offering Competitive Quotes
  • Multiple Annuity Payment options
  • Ability to Allocate $ to Multiple Insurance Companies
  • Inflation Adjustment Options

Learn More >

1Annuity payments are guaranteed by the issuing insurance company.

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Employee Benefits

We will help you select and implement cost-effective benefit plans that meet your business goals and employee needs. Our benefit consultants will create a customized service plan for you that clearly defines the guidance and support you’ll receive, such as:

  • Plan review, design and marketing
  • Renewal analysis
  • Carrier/vendor negotiations and selection
  • Pre-renewal estimates for strategy and budget planning
  • Plan performance reports
  • Comprehensive employee communications program

We also will help you save considerable time and money by providing assistance with many administrative tasks. All of our services are delivered with the personalized, proactive attention you deserve. They include:

  • Strategic Financial Program
  • Compliance Sessions and Benefit Attorney
  • Patient Advocate Program
  • Legislative Compliance and Marketplace Updates
  • Employee Benefit Plan Survey
  • Internet / Intranet support and online benefits administration

International Benefits

In today’s global economy, many employers, large and small, have locations outside the U.S. or provide coverage for employees assigned or deployed overseas. We will assist you in planning, developing and implementing international benefit programs, including retirement plans. We have years of experience in working with the benefits of Expatriates and local nationals.

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Retirement Plans

Establishing and maintaining an excellent employee retirement plan is a highly desirable goal but often challenging to accomplish. An attractive program helps attract quality employees to your company, maintain good morale and reduce employee turnover. As an SEC Registered Investment Advisor, UNFCU Financial Advisors is ideally equipped to assemble retirement plans for you. Our service delivery model is very flexible and we will work with you to design an advisory service program that is customized to your needs. Additionally, our focus on the retirement planning needs of employees and members has led to the creation of innovative programs such as Income Solutions®.

Products/Services

  • Retirement Plans such as 401(k), 403(b), Defined Benefit & 457 Plans
  • Executive Compensation Plans/Programs

401(k) Advisory Services Plan Sponsors – Offering a retirement plan that appeals to your company and its employees requires more than picking “off-the-shelf” products — which may fall short of your expectations and have high or hidden costs — or selling you a single family of funds that have no range of choices.

We provide cost-efficient retirement-plan services that are designed for you and your employees. We have developed a relationship with a third party record-keeper and administrator to provide affordable, flexible and customized 401(k)/profit sharing services. Your employees could benefit from our commitment, resources, and experience to establish a retirement plan for your business.

UNFCU Financial Advisors offers independent investment advisory services to you as the plan sponsor. Included are the following services:

  • Investment Policy Statement Design
  • Fund Selection and Ongoing Monitoring of Investments
  • Asset Allocation Strategies and Personalized Advice
  • Participant Education Services

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

 

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Investment Management

The management of your assets is a dynamic process. Balancing assets and liabilities creates challenges and opportunities.

Managing a prudent and viable portfolio is our business. We know how to deliver integrated strategies that can utilize a wide array of capabilities that encompass planning, investment management and sound asset liability management.

You can rely on our knowledge, experience and expertise to enable you to select appropriate asset allocation strategies. We can assist you with your investments and cash flow for your organization.

Investment Philosophy

We base our approach to effective investment management on the following core beliefs:

  • Diversification and balance:

    Diversification across asset classes (together with the appropriate asset weightings within portfolios) improves long-term investment returns while reducing volatility.

  • Turnover erodes returns:

    Excessive turnover, either of assets within portfolios or of whole portfolios, contributes to long-term underperformance.

  • Cost minimization is an important component of investment management:

    Investment management related costs, including fees and transaction costs, will negatively affect performance especially if such costs are compounded over long periods.

  • Determinants of performance:

    Asset allocation and portfolio structure – more than individual security selection or market timing – are the principal components of investment performance.

Empirical research has shown that investors are better served by a disciplined investment approach, especially an approach that combines an understanding of the investor’s goals and risk tolerance within a well-defined strategy. Our objective in constructing efficient portfolios is to maximize expected returns for a desired level of risk.

Our Investment Process

  • Determination of Risk Preference
  • Top-Down Asset Allocation Modeling
  • Creation of Efficient Portfolio Structures
  • Selection of Asset Classes and Setting of Weightings
  • Monitoring and Re-balancing

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

WelcomeHomeProgram®

UNFCU Welcome Home Program™

Real Estate and Relocation Assistance and Benefits

The WelcomeHomeProgram™ is a FREE, multi-faceted service that offers assistance with buying, selling and financing real estate as well as relocation and rental services and resources. This unique program will save you time and money By signing up and using one of our recommended agents, you can earn up to $2,400 cash back* on the sale or purchase of your home (US only). We also provide services and discounts on apartment rentals in Manhattan and the Washington D.C. area.

Visit the WelcomeHomeProgram™ website and/or contact us to learn more!

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.

*Cash back not available by law in some states. All real estate commissions are negotiable. You must be represented by the assigned program real estate firm at closing to qualify. Contact the program for terms and conditions and to confirm eligibility. Consult your tax advisor with respect to the correct tax treatment of any cash back you receive.

Securities offered exclusively through Raymond James® Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are: NOT NCUA or any government agency Insured; NOT GUARANTEED by the United Nations Federal Credit Union; Not a deposit; Subject to risk and may lose value. UNFCU is an independent entity.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Fidelity & Surety Bonds

As an advisor, we can assist you with the purchase of a Fidelity or Surety Bond that meets your required regulations and your duties to safeguard your operations. Internal theft from employees is just has traumatic as fraudulent violations. If you thought about reviewing Bond coverages, we can help.

Commercial Property and Casualty

As a companion to most Bond packages, insuring your buildings, contents, and equipment around the world is of equal importance. Guided by our principles of Trust, Service, and Experience, we can assist you with making sure you have the proper insurance coverage.

To learn more, please call 1-212-476-8718, or email libertad.ortiz@raymondjames.com. Office hours Monday-Friday 8AM-5PM EST.