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Myth: Financial planning is only for the wealthy or those close to retirement.

Absolutely not! In fact, everyone can benefit from financial planning. Whether you’re starting out, starting over, or starting to think about the next phase in life, your financial outlook will naturally shift as you move through life. So should your financial plans!


Life Changes


Changing jobs

Experiencing a change in employment is a perfect time to evaluate your 401(k) or other retirement investment plans and learn what options you have for your investments.

A growing family

A new marriage or a new baby can significantly impact your goals and your financial plan for working toward them. After all, college just around the corner. Learn about the tools you can use to save for an education, including 529 saving plans.


Approaching Retirement

What are you doing after work? Whether you’re still a few years away or already retired, let’s take a look at your current retirement plans and make sure you’re on track as you plan for an income stream in your retirement years.

Losing a loved one

What will happen to your money when you’re gone? Navigating the loss of a family member is an emotional and challenging time. Estate planning can help ease the burden of managing finances in the wake of a loss. 




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

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.

LPL Financial Form CRS

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. Sandia Area Federal Credit Union and Sandia Area Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Sandia Area Investment Services, and may also be employees of Sandia Area Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Sandia Area Federal Credit Union or Sandia Area Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not NCUA Insured or Any Other Government  | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value

Sandia Area Federal 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. Please visit for more detailed information.

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