Financial Planning & Investment Services

San Francisco Federal Credit Union is committed to helping our members work toward their financial goals. Making the right financial decisions along life’s journey is sometimes difficult without help visualizing the important steps along the way. We work with members to create custom-tailored solutions to investment and risk management challenges based on individual financial situations, time horizons, tax brackets, risk tolerance, budget and the need for liquidity.

May Toy, an independent representative and Bill Montanary of Securities America specialize in helping individuals meet their financial goals and offer the following services:

Wealth Accumulation
Mutual Funds and Annuities
IRA Accounts
Education/College Savings (Coverdell and 529 Plans)

Wealth Management
Fee-Only Managed Accounts
Rollover Strategies
Single-Issue or Comprehensive Hourly Financial Planning

Wealth Preservation
Long-Term Care Insurance
Retirement Planning

Free Initial Consultation
The initial meeting with either Bill or May is complimentary. Both are here to assist you in the planning and implementation of your financial goals.

Our Team of Specialized Advisors
May Toy, CFS, CLTC
(415) 439-8398
mayjtoy@pacbell.net
www.maytoyltc.com

May helps members with direct investment in such vehicles as mutual funds, fixed and variable annuities, 529 plans and other appropriate investment options. Her specialization, however, is in the area of helping clients protect assets from the potential ravages of long-term care costs. By helping her clients determine their need and then designing plans within appropriate budgets, she builds coverage for them using any of the nation’s top insurers.

As an independent representative, May is free to select the right company for each client, whether in insurance or investments. CA Insurance Lic. #0807617.

Bill Montanary, CFP®
(415) 439-8398
wmontanary@hotmail.com
www.williammontanary.com

Bill focuses on financial planning and AUM (Assets Under Management) services. The AUM services include customized portfolio design, implementation and management on a fee basis. The fee is 1.2 percent up to the first $500,000. This service is most appropriate for accounts of over $100,000.

Exclusive of asset management, Bill also provides both single-issue and comprehensive financial planning for a wide variety of financial situations. The hourly fee is $125.00. CA Insurance Lic. #077514.

Securities offered through Securities America, Inc., a Registered Broker/Dealer, Member FINRA/SIPC. Financial planning and advisory services offered through Securities America Advisors, Inc., a SEC Registered Investment Advisor. Bill Montanary (CA Insurance Lic. # 0777514), Representative. San Francisco Federal Credit Union and the Securities America companies are not affiliated. Not NCUA Insured. May Lose Value. No Credit Union Guarantee.

Member NASD/SIPC