The document discusses scheduling an appointment with a financial advisor to discuss investment options and ensuring savings will be available for your family in the long run. It notes the products offered involve investment risks and potential loss of principal. It provides contact information for the financial advisor and credit union to schedule a free financial checkup.

1. Are you ready for your next steps?

2. All Securities through: Money Concepts Capital Corp., Member FINRA/SIPC
1140 N. Jog Road, Palm Beach Gardens, FL 33418. 561-472-2000
The products offered: Are not federally insured. Are not obligations of the Credit Union.
Are not guaranteed by the Credit Union or any affiliated entity. Involve investment risks,
including the possible loss of principal. If applicable, are being offered by an employee
who serves both functions of accepting members’ deposits and the selling of nondeposit
investment products.
Will your savings be there for you and your family in
10, 20, or 30 years? Our Financial Advisor, Dennis Bailey,
can help you understand what options are available for you
and how to get the most out of your savings.
Contact us to schedule an appointment for your free
financial check up:
(843) 832-7529 | cstephenson@moneyconcepts.com
Heritage Trust Federal Credit Union
P.O. Box 118000
Charleston, SC 29423