Benefits of Guided Investing

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.

_DISCLOSURES

_{To learn more about Copper Financial and its financial representatives, visit FINRA BrokerCheck.}

_{There is a .25% annual management fee for assets under management. Please see our Brokerage Fee Schedule for information on account servicing and maintenance fees that will also apply to your account. The ETFs in your account are also subject to expenses charged by the manager of the ETFs. See the Guided Investing Wrap Fee Program Fee Brochure for a full discussion of all associated fees and expenses.}

_{Securities and advisory services are offered through Copper Financial Network, LLC (“Copper Financial”), an SEC-registered investment adviser. Member FINRA/SIPC.  People First Federal Credit Union (“People First”) has contracted with Copper Financial to make non-deposit investment products and services available to its members. People First and People First Financial Solutions are not broker-dealers or investment advisers and are not affiliated with Copper Financial.}

_{All investing involves risk, including the possible loss of money you invest. Past performance is not a guarantee or indication of future performance.}

_{Guided Investing is an investment advisory service offered by Copper Financial. For additional information on Guided Investing please see our Additional Disclosures.}

_{Wealth Advisors are able to offer different advisory, securities, and insurance products. Account minimums and fees for products available through a Wealth Advisor vary by product.}

_{Please review our Customer Relationship Summary for information on the products and services we offer and the nature of the relationship we have with our clients.}

_{Investment and insurance products offered through Copper Financial:}

Are Not Credit Union Deposits or Obligations

Are Not NCUA or otherwise Federally Insured

Are Not Credit Union Guaranteed

May Lose Value

_{Copper Financial Network, LLC (“Copper Financial”) has an agreement with People First Federal Credit Union (“People First”) whereby Copper Financial offers investment products and services to members of People First that are referred to Copper Financial by People First. Copper Financial does not pay a referral fee to People First for referrals that lead to the opening of Guided Investing accounts. People First is not a client of Copper Financial.}

_{The terms “mobile app” or “app” refer to the People First online banking application.}