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Your Financial Planner

Mike Schrinar, Advisor

Mike Schrinar, Advisor
(307) 638-4203
investments@wyhy.org

Michael Schrinar at WyHy Federal Credit Union offers a complete package of financial services through CUSO Financial Services, LP*, customized to meet the specific goals and needs of WyHy members. With a firm belief in customer service and unbiased quality investment advice, Michael focuses on the member's specific financial situation, so that members can focus on the enjoyment of life. As a team, WyHy and Michael work together to ensure members have confidence that all their financial affairs are being handled with great competency. Whether it's banking, saving towards retirement, generating more income or estate planning, we will always have your best interests in mind.

In providing this tailored financial advice, we fulfill our mission of helping our members achieve financial success.

Michael works with members to fully understand their unique financial circumstances and develops a plan to address investment opportunities, introduce new strategies, provide investment recommendations, review tax implications of certain investments**, and regularly assess the progress of your portfolio. He has open architecture which means members have access to any and every financial instrument in the market place. He has more than 5 years of experience in Financial Services and is a licensed Financial Advisor in Wyoming and Colorado with FINRA Series 7 and 66 licenses. He also holds insurance licenses in Wyoming. Additional states may become available upon request.

Michael is a Wyoming native and has lived in Wyoming his entire life. Michael earned his Bachelor of Science in Economics from the University of Wyoming.

Michael's investment philosophy is that any investment advice or instrument provided by an advisor must be tailored to the individual or family receiving the advice. Working with clients is about building a relationship. Michael enjoys working with credit union members to put their financial plans in place. He believes that a sound financial plan can be achieved by anybody on any budget. He works with members looking to build their family assets, prepare for retirement, save for college or planning after a significant life event. Let Michael help you achieve financial success.

* 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 guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. WyHy Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

** Please consult a tax professional for specific tax advice.


Close President's Letter to Members
WyHy Federal Credit Union

Striving to be your
lifetime financial partner

2nd Quarter 2011

Dear WyHy Federal Credit Union Members,

In a challenged economy, many people are looking for ways to cut costs and free up funds. The usual saving suspects come to mind: clipping coupons, shopping consignment stores, postponing large purchases, maybe refinancing a higher-rate mortgage. So - would you be willing to make a total change in your lifestyle for your saving's sake?

We've helped hundreds of members make lifestyle changes, and we've identified ways to minimize debt and save money even in this tough economy. Our Financial Life Coaches are trained to look at each member's total financial picture and identify opportunities to simply "make over" their finances which include cutting costs and building savings. Whether it's total reconstruction or simple cosmetic changes, a WyHy Financial Life Coach will sit down with you one-on-one to review your entire financial picture-at no cost.

The bottom line is that we here at WyHy are passionate about helping our members look for ways to cut costs and free up money to systematically save for a brighter future. As a matter of fact, WyHy set out in 2011 to save our membership one million dollars, and we not only met, but, surpassed this goal in less than five months! WyHy has impacted hundreds of members by identifying opportunities to minimize debt and save money.

There is no better time than NOW to reap the rewards of low interest rates and begin your savings plan or better your savings plan; it will give you the financial freedom to obtain your goals in life.

Call us today for your free consultation at 800-442-2392 or come by and say hi. We always enjoy seeing our members' faces!


Sincerely,


William Willingham, III
President/CEO