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LPL Transition is now live

New Partner: Your CFFA Team Remains the Same

We're excited to share that our transition to LPL Financial is now live. This change means you'll continue to receive the same personalized advice, guidance, and support from the team you know and trust at Community First Financial Advisors (CFFA). 

This partnership with LPL opens exciting new opportunities to enhance the services we provide, including access to advanced financial planning tools, improved account access, and expanded objective investment research. We are confident these enhancements will better serve your financial goals.

We understand that any change can raise questions. Please don't hesitate to contact us if you have any questions or need clarification on how this transition benefits you. We are here to ensure a smooth and seamless experience. 

Contact Us

For any questions, please call us directly Monday – Friday from 8:00 am – 5:00 pm at (920) 830-7200 x8552, or complete the contact form below.

We look forward to continuing to partner with you on your financial journey. 

 

 



 


Frequently Asked Questions


 

 

General Questions

Our Community First Financial Advisors team will work together with you as we always have, now with LPL as our broker/dealer. Your current CFFA Financial Advisor remains your primary contact.
  • LPL is the nation’s largest independent broker-dealer*.
  • LPL offers access to an impressive range of products, services, and resources to help me, as your advisor, provide you with personalized service.
  • By investing heavily in innovative technology and automation, LPL makes it easy for our team to spend more time helping you pursue your financial goals.
As the nation’s largest independent broker-dealer, LPL offers innovative resources that enable us to continue providing you with personalized service, such as:
  • Independent research, so we can continue to provide you with personalized financial guidance.
  • Advanced technology platforms and back-office support that frees up our time to give you even more personalized service.
  • LPL is a Financial Industry Regulatory Authority (FINRA) member firm, subject to federal securities laws and the rules of industry self-regulatory organizations.
  • LPL is a member of the Securities Investor Protection Corporation (SIPC) which provides account protection up to $500,000 per member, of which $250,000 may be claims for cash. An explanatory brochure is available at www.sipc.org.
  • LPL purchases $1 billion of excess SIPC insurance that provides additional protection for LPL accounts to cover aggregate net equity (of all member accounts), subject to conditions and limitations. The account protection applies when an SIPC member firm fails financially and is unable to meet obligations to securities members, but it does not protect against losses from the rise and fall in the market value of investments.

 

Member Account Questions

  • Depending on the account type, you may be required to sign a new agreement with LPL.
  • Once the accounts convert, you will be notified if you need to sign a new agreement.
  • The process is relatively easy and can be done via electronic signature or by hard copy if desired.
  • We will likely reach out to you to confirm your contact information (mailing and email address) and Trusted Contact for your account.
For existing advisory accounts moving to LPL, the overall advisory fee to the member will be the same as the current advisory fee. For Brokerage Accounts (sometimes referred to as a Pershing account), the Brokerage Fee Schedule was provided to you in the mailings you received in recent months from CFS and will apply to all brokerage accounts.
You may wish to consider receiving your Brokerage Accounts (sometimes referred to as a Pershing account) statements electronically from LPL, or you may prefer to continue receiving your statements on paper in the mail. 
If you currently have a Brokerage Account (sometimes referred to as a Pershing account), you will be receiving a new account number from LPL and your investments or investment strategies will not change.
 
If you have accounts and receive statements directly from companies like American Funds, Lincoln Financial, Pacific Life, Fidelity Advisors to name a few; your account numbers or statements will not change.
 
On May 23, 2025 account information will start becoming available within LPL’s Account View. Access your account at Account View, or choose from one of the options below:

  • Via Quick Links in Community First's Digital Banking.
  • Via a link from the Invest & Insure section of our website.
  • Via LPL’s Account View app – once downloaded to your device from your App Store.
 
On your first visit via any method, you’ll sign up for Account View using the email address, phone number, last four of your social security number and zip code as they appear on your account with CFFA. Then, you’ll have the opportunity to create a username and password for future logins.
 
While all of your accounts will have transitioned and remain part of your portfolio, some may take longer to appear within Account View. Please contact us with any questions.
 
If you have accounts and receive statements directly from companies like American Funds, Lincoln Financial, Pacific Life, Fidelity Advisors to name a few; there is no change to access directly through the investment company website.
You will receive two statements in June, one from CFS/Pershing with a $0 balance showing your account holdings transferring out. You will also receive a statement from CFFA/LPL showing that your account balance(s) and all your holdings have transferred to LPL.
 
After that you will receive monthly statements from CFFA/LPL.
 
There should be no tax implications with the movement of accounts. Your accounts will be transferred to comparable products at LPL. However, we would recommend you consult your tax professional for further information.
If you currently have a Brokerage Account (sometimes referred to as a Pershing account), you may receive two sets of 1099’s for 2025. One from CFS/Pershing and another from LPL.
 
If you have accounts and receive statements directly from companies like American Funds, Lincoln Financial, Pacific Life, Fidelity Advisors to name a few; there is no change to 1099’s issued by the investment company.
  • Your fundamental investment strategy and allocations will remain the same for the most part.
  • In some cases, LPL may have advanced investment options that we can discuss after your accounts move.
There is no cost whatsoever to you.
  • This will not affect your relationship with our team or your CFFA Financial Advisor in any way. You can count on us to continue to provide the level of service you expect.
  • Your fundamental investment strategy and allocations will remain the same for the most part. In some cases, LPL may have advanced investment options that we can discuss after your accounts move.
  • We may reach out to you to sign a new agreement with LPL. The process is relatively easy and can be done via electronic signature, or by paper if desired.


 


Have a Question About the Transition?


 
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*Non-deposit investment products and services are offered through CUSO Financial Services, LP ("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 for investment services. 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.