This economy has presented some of the greatest challenges most of us have seen in our lifetimes. Unacceptable levels of unemployment, unprecedented numbers of defaulted loans, foreclosures. With challenge, however, comes opportunity and a chance to review current practices looking for better ideas.

With baby boomers at the door of retirement, many are naturally seeking the assistance of a qualified financial adviser. Who better than the service-oriented credit union to meet this need? The benefit of seeking the counsel of an experienced, knowledgeable investment professional is access to this knowledge and expertise that has been developed over many years.

The opportunity for the credit union is to meet this critical need by providing an investment and insurance program with outstanding financial advisers and excellent management. If a program is in place, it is important to ensure that all members are aware of the services and have the opportunity to benefit from these services. The program, however, should still be managed with an eye on expenses and cost control. Success is defined as providing outstanding service while adding and retaining members and increasing revenue. The keys are availability, accessibility, accountability and marketability.