Check the background of this financial professional on FINRA's BrokerCheck Menu ► ❙❙ Contact Us Please feel free to contact us with any questions. Contact Us Calculators You can review interesting calculators on my site. View Calculators Flipbooks You can review interesting Flipbooks on my site. View Flipbooks Welcome to our website for CUSO Financial Services at Bellco Credit Union, where you'll find a wealth of information in the form of newsletter articles, calculators, and research report. We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We have created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most important, we hope you see the value of working with skilled professionals to pursue your financial goals. We're here to help educate you about the basic concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn't want you to miss any developments in the area of personal finance. Bonds and Bond Mutual Funds 101 Investing in bonds and bond funds can help you pursue financial goals, but consider the risks and rewards first. More Videos » Newsletters Is the Medicare Donut Hole Really Closed? This article explains the four stages of Part D prescription drug coverage and how prices can vary in the coverage gap. Pension or Lump Sum: Which Should You Choose? Do you know the key factors to consider if offered an option to take a lump sum in lieu of a pension? Read this article to find out. Money Market Funds in a Low Rate Environment Did you know there still may be reasons to hold money market mutual funds despite low yields? Read this article to find out more. Year-End 2021 Tax Tips This article outlines various tax-related financial moves to consider before the end of the calendar year. More Newsletters » Calculators Taxable Equivalent Yield Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield. Cash Flow Analysis This Cash Flow Analysis form will help you weigh your income vs. your expenses. Roth IRA Conversion This calculator can help you determine whether you should consider converting to a Roth IRA. Lease Payment How much would your monthly lease payment be? More Calculators » *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS for investment services. Atria Wealth Solutions, Inc. (“Atria”) is a modern wealth management solutions holding company. Atria is not a registered broker-dealer and/or Registered Investment Advisor and does not provide investment advice. Investment advice is only provided through Atria’s subsidiaries. CUSO Financial Services, L.P. is a subsidiary of Atria. Investment Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. **Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. Site Map Back To Top Check the background of this financial professional on FINRA's BrokerCheck