General Information

Visions Federal Credit Union is pleased to offer trust, estate planning and investment management services through Visions Estate and Trust Services in partnership with MEMBERS Trust Company. Visions Estate and Trust Services is designed to be your trusted advisor with: local sponsorship, top tier management and dedication to service excellence. MEMBERS Trust Company is built for and owned by credit union members, including Visions FCU and has been serving clients since 1987.

Visions Estate and Trust Services is your expert resource for:

• Personal Trust Services
• Wealth Management & Transfer Strategies
• Estate Planning & Administration
• Guardianship & Elder Services
• Retirement Accounts & Planning Services
• Escrow, Exchange & Custody Services

Our Philosophy
Visions Estate and Trust Services supports the Credit Union ideals of doing what is in the best interest of the member and client. We embrace the heritage of cooperatively sharing ideas, expertise and resources between our partners to deliver quality financial services for an excellent value.

Mission
Visions Estate and Trust Services Department is charged to provide: unbiased financial advice and well coordinated planning; to execute strategies providing financial security, peace of mind and superior results for our clients.

Value
Visions Estate and Trust Service employs the best planning and investment professionals for our clients. Our services are tailored to meet the special needs of each relationship. Service costs are kept low by cooperatively sharing resources. Fees are structured to be competitive with the best providers in the marketplace. Visions Estate and Trust Services delivers unparalleled value to our clients and members.

Performance
Relationships and plans are developed to meet the client’s:

• Income needs
• Tax situation
• Growth goals
• Risk sensitivity
• Special concerns

Results are evaluated against planning goals, with consistency of performance stressed over short term, nominal gains. Investment performance is compared to client specific, as well as industry standard benchmarks. Asset managers are evaluated and selected from experienced, top tier performers with demonstrated value and traditionally low operating expenses.

Process
A relationship with Visions Estate and Trust Services follows a careful process proven to deliver results. The process steps include:

• Review of client's current plans and circumstances
• Identification of goals and issues
• Development of Investment Policy Statement to guide asset management strategy
• Account setup and asset transfer
• Portfolio construction
• Comprehensive wealth management inventory and review
• Regular monitoring and review of plan and results

Our clients are advised on all aspects of their financial lives; and, the relationship is regularly reviewed and monitored to keep our client’s plans on course. The success of the process is ensured through proactive communication and rapid response.

Trust services provided by MEMBERS Trust Company.

Website content provided by FORUM 1st Trust Services, used with permission. Copyright @ 2004 Forum Credit Union. All Rights reserved.

Important Note: Trust products are not federally insured, are not obligations of or guaranteed by the credit union or any affiliated entity, involve investment risks, including the possible loss of principal.