Estate Planning is about protecting the people you love and preserving your legacy for future generations.

Preparing an estate plan is a personal and highly individualized endeavor necessary to ensure that your wishes are carried out during and beyond your lifetime.  Not all estate plans are created equal.  Whether your estate is large or small, estate planning can help preserve assets, manage money and facilitate in  the administration of your affairs after your death.

A well-executed plan can be designed to:

  • Protect your family
  • Provide for a child with special needs
  • Fund your children or grandchildren education
  • Support a favorite charity
  • Establishment of a trust
  • Minimize tax liability and reduce court costs
  • Distribute your assets in accordance with your wishes

While there are many alternatives that need to be discussed and evaluated, there are also many practical methods available for accomplishing specific goals. Your options include gifting, trusts, charitable bequests, and Life insurance to provide funds for your survivors to help pay debts and estate taxes, all of which may help you direct how things will be finalized when you are no longer here to make the decisions.

Finally, your estate plan is never finished and it should be reviewed periodically with the help and guidance of an estate planning team.

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 estate planning 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: Arizona, Florida, New Jersey, New York, Texas

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: Arizona, Connecticut, Florida, New Jersey, New York, Pennsylvania, Texas

Unless otherwise identified, Associates on this website are registered representatives of Lincoln Financial Advisors Corp.  Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer and a registered investment advisor.  Member SIPC. Insurance offered through Lincoln affiliates and other fine companies and state variations thereof.  Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Firm disclosure information available at

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.

  • Note:  Associated persons of Lincoln Financial Advisors Corp. who hold a JD and/or CPA license do not offer tax or legal advice on behalf of the firm.