Personalize Your Portfolio

Personalize Your Portfolio - Individualized Investing

Defining your goals, measuring your risk tolerance and determining your investment time horizon all play an important part in choosing an investment strategy best suited for you.  As you go through life, you’ll find that your short- and long-term goals are always changing or being modified to reflect your life stages – buying a new home, funding a child’s education, starting a business or planning for an early retirement.

There’s a reason that old adages are still around… they represent sound investment strategies.  “Don’t put all your eggs in one basket” is to maintain a diverse portfolio (asset allocation).  “Slow and steady wins the race” is to regularly and consistent invest a specific amount or percentage of money over an extended period of time (dollar cost averaging).

This is where professional expertise can be incredibly valuable.  A good financial advisor understands each individual’s unique situation and will really listen and help guide you through personalizing your portfolio and provide sound advice based upon your concerns.


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XCEL FCU is a credit union serving members in New Jersey, New York and across the country.

We are licensed in the following states.  If you are a legal resident of one of these states, please proceed.  We are sorry if we are unable to offer you our services at this time.

  • Securities: New Jersey, New York

Lincoln Financial Advisors and its registered representatives do not give legal or tax advice.  Roy Schoenfeld is a registered representative of Lincoln Financial Advisors Corp.  Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker-dealer (Member SIPC) and registered investment advisor.  Insurance offered through Lincoln affiliates and other fine companies.  Lincoln Financial Advisors has formed a strategic alliance with XCEL Federal Credit Union.  XCEL Federal Credit Union is not affiliate of Lincoln Financial Advisors Corp.  While the two firms will work together to provide you with the best service possible, each firm is independently responsible for the services offered.

Non-deposit investment products and services are offered through Lincoln Financial Advisors, a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor.  Products offered through Lincoln Financial Advisors are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the XCEL Federal Credit Union, and may involve investment risk including possible loss of principal

  • Insurance: Connecticut, New Jersey, New York, Pennsylvania

See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary is available here for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things.  LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here.

  • Lincoln Financial Advisors and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.