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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 a link within Community First’s Digital Banking, choose Investment Accounts.
  • 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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Check the background of your financial professional with FINRA's BrokerCheck.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (Member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Community First Credit Union and Community First Financial Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Community First Financial Advisors, and may also be employees of Community First Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Community First Credit Union or Community First Financial Advisors. Securities and insurance offered through LPL or its affiliates are:
 

Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value

Community First Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Visit LPL Financial for more information.

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Community First Financial Advisors is not registered as a broker-dealer or investment advisor.

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