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We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

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Eight Things Financial Planning Can Help You Address

By Kirtland Financial Services

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Financial planning is unique for each person; no two financial plans look the same because everyone’s life and personal goals are different. Regardless of what your goals are, financial planning can help you work towards achieving them. One of the most significant benefits of financial planning is that it gives you the confidence to stay on track towards your goals or make changes to pursue them.

Financial planning examines your current financial situation by assessing your budget, debt management, savings, retirement planning, insurance, and estate planning. The first year of financial planning may be more complex since your marital status, assets you own, income, health, financial literacy, employee benefits, number of children, and future retirement income are all factored into your plan.

A financial plan can’t guarantee protection from unexpected life events, but it can help you create a blueprint to work towards achieving these eight things:

  1. Establish an emergency fund- An emergency fund is money saved in an account to use during financial stress to help improve economic security.
  2. Create a budget- A budget is an estimate of income and expenses for a period, such as a month.
  3. Reduce debt- Whether you owe a few thousand or hundreds of thousands of dollars, paying off debt can lead to less financial stress and more financial security.
  4. Save money– Saving money can help prepare you for future goals and expenses and help protect you from financial emergencies.
  5. Improve your tax situation– A financial plan can help illustrate how tax-advantaged investment strategies may reduce your tax bill.
  6. Save for retirement- A financial plan can help illustrate retirement savings projections based on an assumed rate of return to help you determine if you are on track or need to revise your plan.
  7. Save for your child or grandchild’s education- Including education savings in your financial plan can help you estimate how much you need to save to reach your education funding goal.
  8. Save for other financial goals- Whatever your goal, a financial plan can help you work towards having the finances to achieve it.

An experienced financial professional can help guide you through the financial planning process by providing advice in several areas of your financial life. While every financial professional has their distinct strengths and specialties, they can also help you:

  • Determine if you’re on track with your goals
  • Provide a second opinion
  • Evaluate your investment strategies and implement new strategies
  • Assess your risk tolerance and time horizon to align with your goals
  • Rebalance your portfolio
  • Manage roadblocks that can impact your finances- job loss, divorce, etc.


Now that you know what a financial plan is and what it can help you address, take the next step and schedule a financial planning meeting with a financial professional today.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

This article was prepared by Fresh Finance.

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

Not NCUA Insured or Any Other Government  | No Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value

The LPL Financial registered representatives 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.

Kirtland 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.

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