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Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), a broker-dealer and SEC registered investment adviser.  Member FINRA/SIPC. True Sky Federal Credit Union (“True Sky”) has contracted with Copper Financial to make non-deposit investment products and services available to its members. Representatives are registered with Copper Financial. True Sky and True Sky Investment Services are not broker-dealers or investment advisers and are not affiliated with Copper Financial.  For important disclosures from Copper Financial, including the Customer Relationship Summary, please visit here.

Investment and insurance products, including annuities: Are Not Deposits | Are Not NCUA or otherwise Federally Insured | Are Not Credit Union Guaranteed | May Lose Value

Copper Financial has an agreement with True Sky whereby Copper Financial offers investment products and services to members of True Sky that are referred to Copper Financial by True Sky. True Sky is not a client of Copper Financial. In exchange for the referrals from True Sky, Copper Financial pays True Sky a referral fee, which represents a portion of the commissions and fees generated from investment advisory accounts, brokerage accounts, and insurance contracts opened and maintained by members of True Sky. The referral fee can be up to 36% of all commissions and fees generated from referrals. The referral fee is paid to True Sky as long as your accounts are open with Copper Financial and True Sky and Copper Financial maintain their agreement. The financial professional who recommends investment products and services to you is an employee of Copper Financial and the amount of compensation the financial professional receives is determined by Copper Financial.

The payment of referral fees by Copper Financial to True Sky creates a conflict of interest by incentivizing True Sky to make referrals to Copper Financial. True Sky receives the same referral fee from Copper Financial regardless of the type of account or investment you hold with Copper Financial.