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Personal Money Management

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Cetera Advisor Networks
Lynnette Koehn
1021 Olivewood Drive, Merced CA 95348
Tel: (209) 383-5035
Fax: (209) 383-5444
Email: mcgillkoehnl@ceteranetworks.com

At Cetera Advisor Networks, we understand that as a successful individual or business, you work hard and have specific financial requirements and needs. When it comes to managing your assets and meeting your financial goals, you want to partner with an experienced and sound professional with a practical, no-nonsense approach which allows you to maintain control.

We make it our priority to understand you and your business and the financial goals you want to achieve. We make it our business to ensure that you have complete solutions - customized to fit your needs - to maintain and leverage your current success.

Sound financial decision-making and implementing strategies have become more complex because of the extensive amount of financial information available. We make it our responsibility to get rid of the complexities and provide you with an effective strategy. We partner with you: you tell us your goals; we'll provide the solutions; you control the direction.

We offer a variety of financial products and services that, when combined, create an investment plan that integrates all the critical components needed to fit all levels of risk tolerance, lifestyle goals, and business objectives.

Our investment products include essential elements such as balance, diversification, and tax-deferral options.

Products include:

IRAs

  • Traditional, Rollovers
  • Roth
  • SEP
  • Simple

Our services include assistance in:

  • Retirement Planning
  • College Planning
  • 403(b) Planning
  • 457(b) Planning
  • Financial Planning*
  • Deferred Compensation Accounts

*Must be an Investment Advisor Representative to offer these services.

Deferred Compensation Accounts:

This plan is an arrangement which permits you, on a voluntary basis, to authorize a portion of your salary to be withheld and invested for payment to you at a later date. This retirement plan is available only to school employees who work for districts that have approved the program. This is a great opportunity to save for retirement on a pre-tax salary deferral. The plan allows you to contribute to other retirement plans.
The MSEFCU sponsored Deferred Compensation 457 Plan is contracted with Nationwide Trust Company and Cetera Advisor Networks to offer a variety of investment choices. You can choose to invest in any manner you wish... Nationwide fixed account, mutual funds, or a combination of both. It's up to you!

  • Nationwide fixed account, guaranteed by credit paying ability of Nationwide Life Insurance, Co.
  • 23 investment options from 10 different fund families
  • NO up-front commissions, NO back end sales charges, and NO custodial fees
  • Online access to account information, fund performance, and choice of investment options
  • Access to local Cetera Advisor Networks Investment Advisor Lynnette Koehn at the credit union in the Main Branch
  • Most important...a true group plan with more favorable group pricing, made available to you ONLY through your district and MSEFCU!

457 Deferred Compensation Accounts offers you more choices, more flexibility, more opportunity!


Lynnette Koehn is an Investment Advisor Representative with Cetera Advisor Networks. Cetera Advisor Networks is a full service Broker/Dealer and Registered Investment Adviser, providing financial planning, investment advice and brokerage services.

Lynnette has worked in the financial industry for over 15 years and specializes in retirement planning which includes traditional and Roth IRAs, rollover IRAs, Tax-Sheltered Annuities 403(b) plans, Deferred Compensation Plans 457(b) plans, and employer/employee sponsored retirement plans. Lynnette's focus is helping member's find the best solution for their financial needs.

She looks forward to helping you prepare for your future. Call for an appointment today!

Contact Lynnette at:

MSEFCU
1021 Olivewood Drive
Merced CA 95348
Phone: 209-383-5035
FAX: 209-383-5444
E-Mail: mcgillkoehnl@ceteranetworks.com

Not FDIC/NCUSIF insured. May go down in value. Not financial institution guaranteed. Not a deposit. Not insured by any federal government agency.

*Merced School Employees Federal Credit Union and Cetera Advisor Networks are not affiliated. Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any other entity

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More information on our products, services or feedback on our Web site | Phone: 209-383-5550 or 800-542-2345 | Fax: 209-383-2308 | Email Us


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