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Capital Markets and How Credit Unions Can Issue Subordinated Debt

Historically, credit unions have accessed capital through CDs, short- and long-term loans, and other investment funds to help them expand, generate income, and pursue strategic initiatives. However, as credit unions have grown over the years and offered more complex services, there is a demand to meet capital needs in creative…

Why Target Date Funds are the Wrong Investment Vehicle for Many Credit Union Executives

Target date funds are popular for many 401(k) plan participants because they offer an investment strategy that automatically reduces risk as one approaches retirement. They’re especially effective for investors who don’t want to self-manage their retirement assets and younger investors under 50. Further, target date funds align with the needs…

The Flaws of Target-Date Funds in Optimizing a Credit Union Executive’s Retirement Income

Both of these statements are accurate:  Almost 80% of credit union 401(k) plan participants have all or some of their retirement savings in a target-date fund (TDF), and they’re only gaining more popularity since they were first introduced in 1994.  Target-date funds are the wrong investment vehicle for most credit…

Yield Curve Inversion

On April 13, 2022, Posted by , In Doug English CFP®,Videos, With No Comments

At ACT Advisors, we pay a lot of attention to the indicators of a recession. Recently, the press has talked a lot about one such indicator, the two-year and ten-year Treasury Yield Curve Inversion. Currently, we do not think a recession will happen in the near future. Learn why in…

March 2022 Update

On April 8, 2022, Posted by , In Doug English CFP®,Videos, With No Comments

Doug English, CFP® discusses what we did in our clients portfolios in March 2022.

Risk Factors for Credit Unions to Consider When Designing a Split-Dollar Plan

When deciding which executive benefits to provide to your leadership team, your board may have landed on the benefits afforded by choosing a collateral assignment split-dollar plan. This benefit type is a legal agreement between the credit union and executive that incorporates retirement distributions with life insurance coverage. While split-dollar…

How Credit Unions Can Create a Modern Workplace in a Competitive Job Market

Throughout the pandemic, transition to virtual work, and subsequent Great Resignation, employees are reflecting on what’s important to them in the workplace as companies return to the traditional work environment. However, many employers are challenged with a growing number of employees, particularly women, leaving the workforce to pursue more flexible…

Volatility and Cash Flow

On March 16, 2022, Posted by , In Doug English CFP®,Videos, With No Comments

Doug English, CFP® discusses cash flow needs during times of market volatility.

February Statements and Recurring Withdrawal Source Update

On March 9, 2022, Posted by , In Doug English CFP®,Videos, With No Comments

Doug English, CFP®, talks about recent updates to withdrawal sources and what you can expect from your February statements.

How Female Leaders Can Stand Out in the Credit Union Movement

According to data released by the Credit Union National Association (CUNA), 51% of credit union CEOs are women. Still, women are less represented in the credit union workplace now than in the 1980s. Jill Nowacki and Judy Tharp join C.U. on the Show to discuss common workplace challenges women face,…