Holistic Guidance
Investing works best when it’s part of a bigger plan. We help align investment decisions with retirement, insurance, and long‑term planning considerations.
Expanded Access
Our Osaic Institutions advisors draw from a broad set of investment solutions and tools through Osaic Institutions, Inc., to support a diversified approach.
Dedicated Advisor
You work one‑on‑one with a dedicated Wealth Advisor who provides ongoing guidance and helps keep your investment strategy aligned with your goals.
Solutions and Advice Aligned to Your Goals
Investment Management is designed to support members at every stage, whether you’re just starting to invest or managing substantial wealth. Our Wealth Advisors work with individuals and families to develop personalized financial strategies based on their goals, circumstances, and priorities, adapting over time as needs evolve.
For members with more complex financial situations or significant wealth, ICCU offers access to specialized, high‑touch programs. Private Client services provide concierge‑level banking and lending through ICCU, while Private Wealth services provide advanced planning and investment management through ICCU Wealth Management in partnership with Osaic Institutions, Inc. Through Private Wealth, members may access a broader range of investment options.
Our team includes experienced professionals, such as CERTIFIED FINANCIAL PLANNER™ practitioners and specialists in estate and business planning, who coordinate with appropriate partners and with clients’ tax and legal advisors, when needed, to help inform decisions within a broader financial strategy.
Comprehensive Investment Solutions: Invest, Protect, Prepare
ICCU Wealth Management offers a wide range of investment solutions that can support different goals and timelines. Your Wealth Advisor helps evaluate how these options may fit within a diversified strategy and your overall financial plan.
Investments and Growth Options
- Equity securities
- Fixed income securities
- Exchange funds
- Hedge fund offerings
- Managed futures funds
- Non-traded business development companies (BDCs)
- Non-traded closed-end funds (CEFs)
- Non-traded real estate investment trusts (REITs)
- Private equity offerings
- Real estate private placement funds
- Mutual funds
- Structured products
- Unit investment trusts (UITs)
- Investment advisory services
- Separately managed accounts
- Unified managed accounts
- Mutual fund and ETF portfolios
- Options
- Syndicate offerings
- Exchange-traded products (ETPs)
- 529 college savings plans (options vary by state)
Retirement Solutions and Future Income Options
Insurance and risk management solutions can play a role in addressing protection and income considerations as part of a broader financial strategy. Options may include life and disability coverage, long‑term care planning, and certain annuity products, depending on your needs and circumstances.
- Individual Retirement Accounts (IRAs)
- 401(k) plans
- SEP plans
- SIMPLE IRAs
- 403(b) plans for non-profits
- Net Unrealized Appreciation (NUA) strategies for employer stock
- Qualified charitable distributions (QCDs)
- Roth IRA conversions
- Deferred benefit plans
Protection and Risk Management Options
Insurance and structured products to safeguard your wealth and legacy. This includes life and disability coverage, long-term care plans, annuities for guaranteed income, and more.
- Fixed annuities
- Life insurance
- Disability income insurance
- Extended/long-term care coverage
What to Expect from Your Investment Experience
When you work with ICCU Wealth Management, you gain more than an account—you gain an ongoing advisory relationship focused on your goals. Here’s what you can expect:
A Personalized Plan
We begin by understanding what’s important to you—your financial picture, priorities, and goals. Using a goal‑based planning approach, your Wealth Advisor develops an investment strategy designed around your time horizon and comfort with risk. As your life evolves, your plan can be reviewed and adjusted to reflect changing needs.
Disciplined Portfolio Management
Our team, including an experienced investment committee, monitors portfolios over time, keeping your objectives and risk tolerance in focus. We avoid unnecessary complexity and help provide clarity and discipline, even when financial choices feel overwhelming. You can expect thoughtful guidance without unnecessary jargon.
Proactive Communication
You can expect regular check‑ins and straightforward guidance from your Wealth Advisor. Because markets—and lives—change, we provide perspective during volatile periods and remain available to address questions or life events as they arise.
Coordinated Advice
When investment decisions involve considerations such as tax strategy, estate planning, or business succession, your Wealth Advisor takes those factors into account and may collaborate with outside professionals, when appropriate. This helps ensure investment decisions are made within the context of your broader financial picture.
Transparency and Trust
We are committed to clear, transparent communication. You’ll understand what you’re invested in and why, with access to online tools to view your portfolio at any time. Investment advisory services are provided through ICCU Wealth Management in partnership with Osaic Institutions, Inc., Member FINRA/SIPC. Investment products are not NCUA insured, not guaranteed by the credit union, and may lose value. We make sure you understand these important disclosures from the start.
Ready to Plan Your Financial Future?
Let’s have a conversation about your goals and how our team can help you work toward them. We invite you to meet with a Wealth Advisor to explore your options and receive personalized guidance. You can also request more information online to have a member of our Wealth Management team reach out at your convenience.
Wealth and Private Wealth Advisors offer investment and advisory services through Osaic Institutions, Inc. Private Client Officers are ICCU employees providing banking services.
Investment Management is One Part of a Bigger Strategy
Investment Management is one piece of a well‑coordinated financial strategy. Your Wealth Advisor can help align your investments with planning, banking, and advanced services as your goals and complexity grow. Exploring related services helps ensure nothing is overlooked as your financial life evolves.
*Services offered through Osaic Institutions, Inc.
About Osaic Institutions, Inc.
Osaic Institutions, Inc. is one of the nation’s premier independent broker‑dealers, supporting financial institutions with access to institutional‑grade research, advanced investment platforms, and a wide array of investment products. Through this partnership, ICCU Wealth Advisors can offer members expanded investment opportunities and sophisticated strategies designed to support a wide range of financial goals.
Securities offered through Osaic Institutions, Inc., Member FINRA/SIPC. Investment advisory services offered through Osaic Advisory Services, LLC and Osaic Institutions, Inc., each a registered investment adviser. ICCU Wealth Management is a trade name of Idaho Central Credit Union (“ICCU”). Osaic Institutions, Inc. and Osaic Advisory Services, LLC are not affiliated with ICCU. Products and services made available through Osaic Institutions are not insured by the FDIC/NCUA or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank, bank affiliate, credit union, or credit union affiliate. These products are subject to investment risk, including the possible loss of value.
*Services offered through Osaic Institutions, Inc.
†OSAIC Institutions and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation.
This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.
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