You’ve worked hard over the years to accumulate wealth, and may find it comforting to know that the assets you leave behind will continue to be a foundation for your family, friends, and the causes that are important to you. An estate transfer strategy is a crucial part of a financial plan. Once you have planned retirement and are invested, you can begin to focus on how your assets will be managed after your death.

Your age, health, wealth, lifestyle, life stage, goals and many other factors determine your estate transfer strategy needs.

An estate transfer strategy includes the following:


Specifies the management method for asset distribution upon your passing.


Authorizes someone to act on your behalf in important matters


Details your wishes for medical treatment when you’re incapacitated


Defines how assets are managed and by whom, with beneficiaries in mind

An estate transfer strategy ensures your money and property go to the right people and organizations. But it also can provide for your children’s future, minimize your family’s tax burden and eliminate the need for messy probate proceedings. Best of all, if you plan now, you can rest easier for the rest of your life.

CFS* Financial Representatives can work with you and your legal and tax advisors to:

  • Look ahead. Representatives can help you think not only about your goals today, but also how your estate can help future generations.
  • Plan distribution. We’ll help you value your assets and decide where they will go.
  • Assign responsibility. You can decide who will take care of your finances after your die.
  • Care for kids. Who should be responsible for taking care of your children?


At Workers Credit Union one of our CFS Financial Representatives available through CUSO Financial Services, L.P. * can assist you by coordinating with your legal and/or tax professional to help develop a plan that aligns with your values.

To learn more about estate transfer strategies and ways to help protect your family, contact us today to schedule a complimentary, no-obligation appointment.

Contact us to schedule a complimentary, no-obligation appointment.

This site is protected by reCAPTCHA and the Google Privacy Policy and the Terms of service apply.

Give us a call at 800-221-4020.
Our member service representatives will be happy to assist you.


*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Atria Wealth Solutions, Inc. ("Atria") is a modern wealth management solutions holding company. Atria is not a registered broker-dealer and/or Registered Investment Advisor and does not provide investment advice. Investment advice is only provided through Atria's subsidiaries. CUSO Financial Services, LP is a subsidiary of Atria. Fixed insurance products are offered through CFS Insurance & Technology Services, LLC.

CFS Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. Information shown is for general illustration purposes and does not predict or depict the performance of any investment or strategy. Past performance does not guarantee future results.