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Plan for You

There's no better time to start tackling your financial goals.

Managing your money and making progress on your goals is easier when you have a strategy. Financial planning can help you evaluate your unique situation and make suitable decisions for your future.

The Importance of Making a Financial Plan

Wondering if you need a financial plan? The answer is likely yes. No matter your income or expenses, if you have money coming in and bills going out, a structured financial plan is your roadmap for a better economic future.

Financial planning is a smart way to receive qualified financial advice tailored to your needs. The process involves taking a closer look at your finances, understanding what matters to you, your goals, and any financial concerns you may have. This deeper dive ensures the plan is aligned with your life and future.

A financial plan will review questions such as:

  • Where is my money, how is it being used, and is it in the right place?
  • How much should I save to meet my objectives?
  • Am I prepared for unexpected risks?
  • Am I currently on track to meet my financial goals?
  • What can I do to improve my financial situation?

Enjoy the Journey

Creating a financial plan may seem challenging, but you don't have to do it alone. Our financial advisors will guide you through each step, designing a unique strategy for you and your goals.

Estate Planning

The word "estate" may conjure images of grand residences or lead you to think it's solely for the wealthy. In reality, estate planning is just the terminology used for another smart financial planning strategy that everyone should consider.

Estate planning organizes how your assets, such as real estate, financial accounts, and personal property, will be distributed, and who will manage your responsibilities if you can't do so yourself. One goal is to ensure your beneficiaries receive these things in the most cost-effective way possible in the event of your passing or incapacitation. Ultimately, it's a flexible plan that can significantly ease the burden on your loved ones while potentially reducing taxes and legal complications.

Our financial professionals can work with you to create a customized plan that meets your specific needs. With foresight and planning, we can help you preserve the wealth you've built, ensuring it's passed on according to your wishes.

Did you know?

On average, Social Security currently replaces only 40% of pre-retirement annual income. It's important to save as early and as much as you can in a 401(k) or IRA account to help address your retirement income needs.

Source: LPL Financial (LPL), a registered broker-dealer, member FINRA/SIPC.

Retirement Planning

Retirement planning involves exploring savings and investment options. There are also key lifestyle decisions to consider, such as where you'll live or whether you'll continue to work at some level during all or part of your retirement. It's a lot to contemplate!

The good news about retirement planning is that it doesn't have to be too complicated. You can simplify your approach into two fundamental principles: start saving as soon as possible and save as much as you can!


A 401(k) lets you save pre-tax income in an employer-offered, tax-deferred retirement account, where employers potentially match a percentage of your contribution. This account then acts as a customizable retirement portfolio, often in mutual funds, that can be tailored to your risk preference (from conservative to aggressive) and investment goals. Except in specific circumstances, you cannot usually withdraw from this account until you are 59 1/2 without tax penalties.

Changed jobs? Don't worry, you can move your 401(k) into an IRA, keep it as is, cash it out, or transfer it into a new employer's plan with guidance from a financial professional.


An Individual Retirement Account (IRA), whether traditional or Roth, is a personal, tax-deferred retirement savings account established by an individual and managed by custodians like banks or brokerages. IRAs offer a broad range of investments, including stocks, bonds, mutual funds, treasury bills, Certificates of Deposits (CDs), and potentially more extensive variety of mutual funds.


Investing may seem challenging, but it can be an opportunity to learn new strategies for those seeking to grow wealth. Whether you're new to investing or looking to refine your approach, our financial advisors can meet you at your comfort level and help you turn your ideas into actions. We offer guidance on a wide range of financial products, from annuities and mutual funds to stocks and bonds. Additionally, you'll have access to our extensive research and analysis resources, including mutual fund reports, tracking, and investment screening, ensuring you're well-informed at every step.

Get Started on Your Financial Plan

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Estate planning may require tax and/or legal assistance, which neither LPL Financial, nor its registered representatives, provide. Always consult a qualified tax and/or legal advisor for information as to how taxes may affect your particular situation.


All investing involves risk including loss of principal. No strategy assures success or protects against loss

Securities offered through LPL Financial (LPL), a registered broker-dealer, member FINRA/SIPC.

Investment Advisor Representatives conducting business as St. Mary's Financial Services offer investment advisory services through LPL, a registered investment advisor. Insurance products are offered through LPL or its licensed affiliates. St. Mary's Bank and St. Mary’s Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using St. Mary’s Financial Services and may also be employees of St. Mary’s Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, St. Mary’s Bank or St. Mary’s Financial Services. Securities and insurance offered through LPL, or its affiliates are:

Not Insured by NCUA or Any Other Government AgencyNot Credit Union GuaranteedNot Credit Union Deposits or ObligationsMay Lose Value

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Your Credit Union (“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.


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