The team of Wealth Management Advisors through CUSO Financial Services, LP (“CFS*”) at Elevations Credit Union helps our members prepare financially for the future, no matter where they are in their life journey. Learn more about Jorin G. Bale, CLU®, ChFC®, and how he’s assisted Elevations members for the past eight years with their financial planning.
Establishing lasting relationships is a priority for Jorin G. Bale, CLU®, ChFC®, a CFS* Wealth Management Advisor at Elevations Credit Union.
“It’s pretty rewarding to be able to work with two or three generations of a family because you’ve become that much of a trusted advisor to the family,” he explains. “I really enjoy working with younger couples who are saying, ‘Hey, we have this new life. What should we be considering?’”
Making a positive impact through education fulfills Jorin. He helps members expand beyond their initial saving goals to discover additional ways to care for their family and weave charitable giving into their plans, leaving a lasting mark on their community.
“Introducing members to sustainability is part of my investment management philosophy,” he adds. “I like to have investors ask, ‘How can I try and do better for the world while still meeting my financial goals?’”
At Elevations, it’s personal.
One of the many reasons Jorin enjoys working at Elevations is flexibility. He explains there’s not just one documented way to assist members, which allows him to connect personally with each individual member to learn about their dreams, concerns and questions.
“Then I work with them side-by-side to create a financial plan, whether it’s a long-term retirement plan or a plan to achieve shorter-term financial goals,” he explains.
Members should check in with their financial advisor at least once a year, or when a major life event occurs such as marriage, divorce, a new child, a job change or anything else that impacts their current income and expenses.
“When those variables change that may change the investment recommendation,” Jorin notes. And no worries, he knows what questions to ask to move the perfect planning session forward.
A few financial planning tips.
For those who are new to the idea of getting their finances in order, Jorin can assist with everything from consolidating debt to education funding, insurance planning and, of course, retirement savings planning.
“Each individual has their own financial puzzle. We get to find the right pieces and figure out how to put those together,” he elaborates.
As you prepare to follow up with your current advisor or reach out to a new one, Jorin suggests having some information ready to go, including:
- How much are you currently saving?
- How much debt do you have?
- What is your income?
- How are debt and income impacting your current saving plans?
Then, ask the advisor how their services are structured and how the relationship works. Collaborating with a trusted advisor not only boosts your time efficiency so you can focus on other important things in your life, but you’re also being guided by a professional who monitors your financial portfolio and who will notice when one area of investing may impact another.
Teaching, traveling and volunteering.
When it comes to free time, Jorin spends much of it teaching a youth financial literacy program, RealityCheck for Youth, to school children. The three- to five-week curriculum explains how money moves through a community, how to manage credit and how to set up a budget, in addition to other smart money topics that help prepare students for adult life.
“I love educating on finances,” he says enthusiastically. “Working with students is important. For most of us, we get introduced when we get a credit card or a car loan for the first time. So it’s kind of a little bit of a baptism by fire. That’s not the greatest way to learn about finances.”
Jorin, his wife and two daughters also like to visit new-to-them cities near national parks. He’s trekked to San Francisco, Redwood National and State Parks, Joshua Tree National Park and several hotspots in Colorado, too. A few of his favorites include Breckenridge, Steamboat Springs, Vail, Aspen and Glenwood Springs.
As a family, they also volunteer for the local food bank, Broomfield FISH. His kids help unpack and stock the shelves with pantry items all while learning a valuable lesson about giving back to the community.
Jorin works out of our Table Mesa Branch on South Broadway in Boulder. You can connect with him by phone at 303.247.8895 or send an email to firstname.lastname@example.org to discuss your financial planning questions.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Elevations Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information on this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.