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ACTive Bond Strategy March 2022 Update

On March 4, 2022, Posted by , In Doug English CFP®,Videos, With No Comments

Watch Doug English, CFP®, give an update on the recent ACTive bond strategy changes for March 2022.

Geopolitics and Equities

On March 3, 2022, Posted by , In Doug English CFP®,Videos, With No Comments

Watch Doug English, CFP®, discuss equity strategies in times of geopolitical turmoil.

Navigating Geopolitical Tensions

On March 3, 2022, Posted by , In Doug English CFP®,Uncategorized, With No Comments

  The green shoots are hard to see right now as spring approaches, clouded by war in Ukraine. Democracy is under attack and innocent lives are tragically being lost. But while we keep one eye on overseas developments, the other remains squarely focused on the fundamentals of the U.S. economy…

Preliminary Steps for Credit Unions Acquiring Another Financial Institution

In the first part of this interview, Doug and Jeff Cardone discussed the process, requirements, and questions credit unions should address before entering into a merger or acquisition (M&A) transaction. In the second part of the “C.U. on the Show” episode, Doug and Jeff delve into the acquiring or buying…

Why Financial Planning is an Essential Executive Benefit for Credit Union Leaders

Traditional financial planning offers practical tools for rank-and-file employees; however, it simply doesn’t capture the full breadth of complex financial situations and compensation benefits a credit union executive has to manage in the C-suite. For example, beyond a standard 401(k), executives may also have a 457(b), 457(f), or split-dollar plan…

Personal Financial Planning: A Missing—Essential—Piece in the Credit Union Executive Benefits Package

The COVID-19 pandemic and subsequent Great Resignation have put significant pressure on employers to reevaluate their recruiting and retention efforts to seamlessly maintain operations and welcome a new generation of team members. While companies are primarily seeing this shift among their front-line positions, there has been a recent spike in…

Executive Compensation Factors Credit Unions Should Evaluate Before a Merger or Acquisition

Has your credit union board considered partnering with a stronger credit union to expand your field of membership, improve the quality of your services, or mitigate financial concerns? Perhaps your board members and executives have already begun having informal conversations to see which institutions align best with your membership, employees,…

How Credit Unions Can Partner With Fintech Companies and Stay Competitive

On January 11, 2022, Posted by , In Fintech, By , , With No Comments

When we think about what draws members to your credit unions, we generally point out the low rates, accessibility, convenience, and trust as compared to your bank counterparts. However, when we consider that financial technology (fintech) companies such as PayPal and Square are coming onto the scene more rapidly and…

What Subordinated Debt Is and How Credit Unions Can Benefit from It

Capital planning is an essential step in helping your credit union grow, remain regulatory-compliant, and seize opportunities as they arise, such as a merger or acquisition. In this episode of “C.U. on the Show,” Doug welcomes guest Jeff Cardone to discuss how accessing secondary capital in the subordinated debt (sub-debt)…

Should Credit Unions Fund Split-Dollar Plans With Whole Life or Index Universal Life Insurance?

At ACT Advisors, the split-dollar plan is one of the most powerful executive compensation tools we encounter when delivering meaningful benefits to executives. The reasons include relatively reliable returns, lower risk, and their non-taxable nature in most cases. Before a credit union offers a split-dollar plan, however, it must evaluate…