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Doris Saki

The Latte Habit

How little things can add up over time.

LPL Financial Form CRS

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Wailuku Federal Credit Union is not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using LPL Financial, and may also be employees of Wailuku Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Wailuku Federal Credit Union. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency |

Not Credit Union Guaranteed |

Not Credit Union Deposits or Obligations |

May Lose Value

Check the background of your financial professional on FINRA’s www.finra.org

The LPL Financial representative associated with his website may discuss and/or transact securities business only with residents of the following states: AK, HI, CA, CO, NV, OK, OR, WA, TX, WI. No offers may be made or accepted from any resident of any other state.

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Check the background of this investment professional