Our Process

Your CUNA Mutual Fiduciary Consultant oversees your CUNA Mutual Retirement Solutions retirement plan Institutional Program investment portfolio through every step of the investment selection and monitoring process.

Step 1: Evaluate Your Credit Union and Objectives

Your team meets with your CUNA Mutual Fiduciary Consultants to examine:

  • Goals
  • Employee demographics
  • Investment policy
  • Risk tolerance and parameters
  • Portfolio holdings and objectives

Step 2: Update Investment Strategies & Policy Statement (IPS)

Your Fiduciary Consultant works with you to update investment strategies and IPS to meet your objectives under current market conditions.

Step 3: Implement the Strategy, Your Way

You have the flexibility to choose between two approaches to co-fiduciary protection:

  • 3(21) Co-fiduciary “Help me do it.” — Your Fiduciary Consultant provides advice. You control investment decisions
  • 3(38) Co-fiduciary “Do it for me.” — Your Fiduciary Consultant makes investment decisions on your plan’s behalf

Step 4: Monitor Performance & Due Diligence

Your Fiduciary Consultant:

  • Monitors your portfolio
  • Provides quarterly reports
  • Documents due diligence to examiners by detailing investment performance and oversight activity

Repeat steps 2-4 annually

For a consultation from CUNA Mutual Fiduciary Consultants on your retirement plan, call your Sales Executive (800.798.0770) or contact us using the form below.

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CUNA Mutual Fiduciary Consultants is the registered investment advisor affiliate of CUNA Mutual Group that oversees the investments in the Institutional Program for CUNA Mutual Retirement Solutions.CUNA Mutual Retirement Solutions is a division of CUNA Mutual Group and the marketing name for CPI Qualified Plan Consultants, Inc., a CUNA Mutual Group member company. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuity insurance products are issued by CMFG Life Insurance Company, located in Madison, Wisconsin. Each insurer is solely responsible for the financial obligations under the policies and contracts it issues. Securities distributed by CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the financial institution. Representatives offer retirement and investment education but do not provide investment, legal or tax advice. Participants are encouraged to consult their own advisor. CUNA Mutual Fiduciary Consultants is a marketing name and service of MEMBERS Capital Advisors, Inc., 5910 Mineral Point Road, Madison, WI 53701, the registered investment advisor affiliate of CUNA Mutual Group. MEMBERS Capital Advisors has assets under management of more than $16.4 billion*, including the general account of CMFG Life Insurance Company. *As of 10/31/2016By providing the information herein, CMFG Life Insurance Company and affiliates (“CMFG Life”) is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity. You should know that CMFG Life has a financial interest in the Guaranteed Account/Stable Value Account (“Guaranteed Account”), a group annuity contract that pays a fixed rate of interest (the declared interest rate is subject to change by the insurer from time to time) and the Group Variable Annuity (“GVA”), a group annuity contract exempted from Securities and Exchange Commission registration that invests in funds for which investment performance can vary. The Guaranteed Account is issued by CMFG Life and represents financial obligations of the CMFG Life general account; CMFG Life invests the assets of its general account in a manner consistent with its obligations as a life insurer. General account investment returns are also a source of revenue to cover the company’s operating expenses, tax obligations and return on capital. The company’s interest in the opportunity to generate earnings through its general account investment activity is significant and gives rise to a financial interest on the part of CMFG Life in identifying the Guaranteed Account to your plan. The GVA is issued by CMFG Life and utilizes a separate account with underlying subaccounts that are separate from the CMFG Life general account. The assets of the separate account are available to cover CMFG Life general liabilities to the extent that the separate account’s assets exceed its liabilities arising under the GVA contracts. CMFG Life also has a financial interest in providing services to plans, as CMFG Life receives fees for those services. The nature of that financial interest is represented by the cost of those services.