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Gary Henderson, CRPC

The Pros and Cons of a Big Tax Refund

Is receiving a big tax refund a reason to celebrate?

LPL Financial Form CRS

Your 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.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

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

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the state of Florida.

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(561) 625-2399 garyh@velocitycommunity.org

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