Investment & Retirement Products

Brought to You by the MEMBERS Financial Services* Program Located at Sunward

Sunward members can take advantage of personal financial management services through our collaboration with MEMBERS Financial Services.

The financial professionals at MEMBERS Financial Services are ready to help you pursue your financial goals and answer any questions you may have. Meet the team.

Contact MEMBERS Financial Services for a no-cost, no-obligation, no-judgment appointment at a Sunward branch:

• Use our handy online appointment request form.
• If your closest Sunward branch is Juan Tabo or South Valley: call 505.237.3930 for an appointment.
• If your closest Sunward branch is Cottonwood, Golf Course, Jefferson, Los Lunas, or Rio Rancho: call 505.237.7630 for an appointment.
• You want to plan for your own or a loved one's estate or trust.

Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

The financial professionals at MEMBERS Financial can help you determine investment and retirement strategies, including:

401(k) Pension Rollover Services

A rollover occurs when moving funds from a former employer's plan. A financial professional can help guide and facilitate the transfer of holdings from one retirement plan to another and discuss the pros and cons of the options available.** A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. Options include:

• Leave the money in his/her former employer’s plan, if permitted;
• Roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted;
• Roll over to an IRA; or
• Cash out the account value.

IRA Investments

There are several types of IRAs: Traditional IRAs, Roth IRAs, SIMPLE IRAs, and SEP IRAs. They can include a range of financial products such as stocks, bonds or mutual funds. A financial professional can help you determine which type of IRA is right for you, and can help open and manage IRA accounts.

Stocks, Bonds & Mutual Funds

A financial professional can help you understand the nuances and benefits of stocks, bonds, and mutual funds, and can help you build a diverse investment portfolio that addresses your needs.

Annuities

An annuity can provide tax-deferred growth, then pay out a stream of payments at a later point in time. A financial professional can assist you in creating and maintaining annuities while going over a range of benefits to transfer risk, including living and death benefits.***

Long-term Care & Life Insurance

Financial professionals can help you acquire coverage for nursing home care, home health care, or personal or adult day care. Long-term care insurance offers more flexibility and options than many public assistance programs.

*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Sunward and MEMBERS Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using MEMBERS Financial Services, and may also be employees of Sunward. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Sunward or MEMBERS Financial Services. Securities and insurance offered through LPL or its affiliates are:

The LPL Financial Registered Representative(s) associated with this site may only discuss and/or transact securities business with residents of the following states: NM, CA.

Sunward (“Financial Institution") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

**Representative is neither a tax advisor nor an attorney. For information regarding your specific tax situation, please consult a tax professional. For legal questions, please consult your attorney.

***Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

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