Myth: You don't need an emergency fund if you have credit cards. Fact: Relying on credit cards for emergencies can lead to high-interest debt. An emergency fund provides a financial cushion without the added burden of interest payments.

Looking for ways to save money this Earth Day (and beyond)? Try these four eco-friendly financial habits. 🍃 1. Reduce energy consumption. Save on utility bills by using energy-efficient appliances and turning off lights. 2. Use public transportation. Save money on gas by using public transit, biking or carpooling. 3. Buy second-hand. Purchase used items to reduce waste and save money. 4. Conserve water. Install water-saving fixtures and be mindful of usage to lower your bill.

Hey, members! Have you read your issue of the spring magazine yet? You'll find 10 ways to use RMDs, inspiring member stories and the 2024 annual report. What's your favorite story?

Don't put all your eggs in one basket – a good financial plan encompasses many things. 🥚 From protection and savings to retirement and estate planning, we can help. Let's chat.