Starting Your Plan

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Financial Peace of Mind Starts With a Plan

Everyone’s financial goals are unique. Wealth Management by CommunityAmerica is here to help you reach them with a comprehensive and collaborative approach. Whether you’re an experienced investor or just getting started, our expertise can help guide your short- and long-term plans to achieve financial peace of mind. From a dedicated team of Wealth Advisors to Guided Investing, our digital investing solution, we have an approach for you.

Where are you on your investment journey?

We are committed to supporting our members at every life stage, so you can choose the investment path that you feel is right for you. Before you begin your investment journey, it's important to do your research and consider factors like your tolerance for risk and your time horizon.


You can learn about the features and benefits of our digital Guided Investing tool versus the customization and personal attention that come from a relationship with one of our Wealth Advisors. Regardless of the path you choose, we are here to help.

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Just Getting Started 

In the beginning stage of doing research and starting to save.
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Interested in Planning 

Thinking about investment strategies or retirement planning.
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Planning for Retirement 

Approaching retirement, perhaps considering estate or trust management.

Which Investment Path is Right for You?

Learn the features and benefits of Guided Investing versus a Wealth Advisor to understand which one may be the right fit for your investment needs.


A digital tool that manages your investments based on risk and time preferences.

Start Investing

Guided Investing is a great investment option if you're looking to:

  • Invest now in a simplified way
  • Start small with a lower cost alternative
  • Set it and forget it
  • Get a jumpstart to invest on your own
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A one-on-one relationship with an advisor who provides a comprehensive financial plan.
Find an Advisor

A Wealth Advisor is a great investment option if you're looking for:

  • Professional, one-on-one investment advisor
  • A personalized service approach
  • Specialized advice with fees that vary by product
  • Recommendations for a stable investment
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Wealth Management Services

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Retirement Planning
No matter where you are on your career journey, we're here to help build a secure financial future.

Maybe you’re early on in your career and have just started to prioritize saving for retirement. Or perhaps you’re inching closer to retirement and are wondering how you can bring the lifestyle you envisioned to fruition. Whatever your situation, we'll help you build a plan to reach your retirement goals.
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Insurance Planning

Insurance planning is a critical component of a comprehensive financial plan.
You’ll go through many stages throughout your life that will require looking at your financial situation through a different lens. Insurance planning includes evaluating risks and determining the right policy to mitigate these risks at each stage in life. With offerings including term life insurance and permanent life insurance, we can help find the right coverage for where you are right now.

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College Planning

Saving for your child’s future is one of the more worthwhile investments you can make.


Consider investing in their future through a College Savings 529 plan. These accounts can include tax-free growth and withdrawals, when certain conditions are met. Let us help your child succeed.

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Estate Planning

Preserving the assets of your estate is something that should be meticulously planned.


Our experienced Wealth Advisors can help you plan and organize your estate to leave your legacy for your beneficiaries exactly how you want it.

Wealth Advisors do not provide legal advice. Please consult with your attorney.

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Trust Services

Trust Services can help you create a plan for how your wealth will be distributed.


This will help ensure you’re able to leave your legacy exactly the way you intend. We offer expertise in creating your estate plan and, when needed, serve as a corporate trustee to help carry out your wishes.

Copper Financial Network, LLC, a Trust Representative Office of National Advisors Trust Company (NATC) and National Advisors Trust of South Dakota, Inc. (NATSD) doing business as CommunityAmerica Trust Services.

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Special Needs Planning

Children with special needs also need special financial considerations. 


Our Special Needs Planning team is one of a kind in the Kansas City metro. Our team is experienced in working specifically with families who have children with special needs. We surround these families with knowledgeable and passionate people who are well-versed in these situations to assist in creating financial plans for peace of mind.

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Our Financial Planning Process


Getting to Know You

We start the financial planning process by getting to know you and your financial goals.
Get Started

Understanding your unique financial needs and dreams is our first priority.


When you make the decision to begin your financial planning journey with Wealth Management by CommunityAmerica, we want you to feel confident about your future. So, we start by getting to know what’s important to you? What are your short- and long-term financial goals?


Typically, we start with an appointment with one of our Wealth Advisors. How you meet with the advisor — in person or virtual — is completely up to you. The initial appointment takes about 60 minutes, and you can schedule follow-up appointments when it works best for you.


To prepare for your first meeting with a Wealth Advisor, this checklist provides a good start.

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Building A Strategy

Once we familiarize ourselves with your goals, we begin to create a customized investment strategy.
Get Started

No shortcuts. Just smart investment planning for your specific financial situation.


Reaching some goals may require more risk tolerance than others, as the manner in which you allocate your assets can impact your returns. We’ll discuss what makes the most sense for your situation and focus on recommending the investments that are right for you.

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Making Adjustments

A financial plan is a continuous process that adjusts with market trends and your financial goals.
Get Started

We encourage regular meetings with your Wealth Advisor to optimize your plan.


During these meetings, you and your Wealth Advisor will discuss your progress, market trends, what’s working vs. what could use improvement and course correct where needed.

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Our Investing Philosophy

Tailored to your unique story, plans built for your financial goals.

Your financial needs today might differ from your financial needs a year from now. Or 10 years from now. Our Wealth Advisors develop comprehensive strategies to suit both your short- and long-term goals and are here to guide you every step of the way.

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Personalized Approach

We’ll speak with you about your goals, diversification of assets, tolerance for risk and more to build a portfolio based on your personal financial objectives.
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Asset Allocation

How your assets are allocated can have an impact on your returns. We’ll work with you to determine what level of risk tolerance is appropriate to align with your financial goals.
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Measuring Progress

With our advisory accounts, we monitor and measure your progress toward your financial goals and look to take advantage of additional investment opportunities.

Ready to get started? We’re here to help.

Contact a Wealth Advisor

Investment Calculators

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Start Retirement Savings Calculator

See how much more you’d have at retirement by beginning your savings plan today rather than waiting.
Calculate Now
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Retirement Savings Calculator

Find out how well you’ve prepared so far and what you can do to improve your retirement outlook.
Calculate Now
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Check Out All Financial Planning Calculators

Try out different calculations to help you plan and prepare for your financial future.
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Profit Payout Share

Profit Payout*

Investing in YOU by sharing our profits.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like better rates, lower fees, and our Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $93 million to members over the past 12 years.

Estimate Your Payout

Wealth Management FAQs

Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), a broker-dealer and SEC registered investment adviser. Member FINRA/SIPC. Copper Financial is a wholly-owned subsidiary of CommunityAmerica Credit Union (“CommunityAmerica”) and makes non-deposit investment products and services available to its members. Representatives are registered with Copper Financial. CommunityAmerica and Wealth Management by CommunityAmerica are not broker-dealers or investment advisers. For important disclosures from Copper Financial please visit here.


Copper Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed.


Link to the Copper Financial Customer Relationship Summary.


Investment and insurance products offered through Copper Financial:


Are Not Deposits

Are Not NCUA or otherwise Federally Insured

Are Not Obligations of or Guaranteed by the Credit Union

May Lose Value