INVESTMENT SERVICES UPDATES

Frequently Asked Questions About the LPL Transition

We’re excited to share that Grow Retirement & Investment Services has transitioned to a new broker-dealer, LPL Financial. Our previous broker-dealer, CUSO Financial Services (CFS), was acquired by LPL, and as part of this change, our members’ investment accounts with CFS transferred to LPL in May 2025.

We understand that you may have questions about this transition, so we’ve put together this FAQ to help you navigate the upcoming changes.

Why is this change taking place?

CUSO Financial Services (CFS) entered into an agreement last year to be acquired by LPL Financial, one of the nation’s largest independent brokerage firm and a federally registered investment adviser. Aligning with LPL allows us to provide our members with enhanced tools, resources and technology to better support their financial goals. LPL’s innovative platform will help us continue delivering the high level of service you expect.

Will this transition cost me anything?

No, there is no cost to members for this transition.

Will this impact the services I receive?

No, our Financial Advisors will continue to service your accounts and remain your primary point of contact. You’ll continue receiving personalized financial guidance, and with LPL Financial’s enhanced technology and independent research, our advisors will have even more resources to serve you.

Will my fees change?

For existing advisory accounts moving to LPL Financial, the overall advisory fee will remain the same. The Brokerage Fee Schedule, which applies to all brokerage accounts, will be provided in a future mailing.

Who should I contact if I have additional questions?

We appreciate your trust in us and are committed to making this a seamless transition. If you have any questions, please reach out to your Financial Advisor or send us a message. We’re here to help.