Julie R. Bates, CFP®, ChFC®
Assistant Vice President
Specialties: Comprehensive Financial Planning, Investment Management, Risk Management, Sudden Wealth Management, Social Security Planning, Divorce Issues, Estate Planning Conversations, Women’s Finances, Government and Military, LGBT Individuals and Couples
Everyone leaves with homework! In my 18 years of experience, even the most disciplined members have holes in their financial plan. The real challenge is in seeing the big picture and analyzing all of the working parts together. Members are frequently focused on returns. I like to say that it isn’t how much you make that’s important … it’s how much you keep.
I feel lucky to do this work; I get to help people from all walks of life. No two families or individuals are the same. I help young professionals balance dreams of retirement with the day-to-day expenses of raising children, buying a home and saving for a vacation. I help mature couples confirm that their efforts have paid off, and that they’re ready to retire. I hold the hands of widows and widowers and comfort families faced with unspeakable tragedy.
Coming from a long-line of tenacious, no-nonsense women, I will respectfully tell you what you need to hear even if it isn’t always what you want to hear.
In a previous life, I was an Actuary designing retirement plan solutions for county governments, unions and banks. I quickly understood that it’s very difficult for an individual to close the gap between the wages one made during working years and the income expected in retirement from the company’s pension plan and Social Security. This realization led me to pursue the CERTIFIED FINANCIAL PLANNERTM curriculum at Emory University.
With the decline in company-sponsored pension plans and the growing complexity in the investment world, I became very passionate in my mission to educate and share this knowledge. Our members have a fundamental right to financial education. Education empowers our members with choices that allow them to experience well-lived financial lives. As an on-air financial contributor to Atlanta’s NBC affiliate, WXIA 11 Alive and a guest speaker at employer partners such as Delta Air Lines, Chick-fil-A, GMC TV, Spelman College and Zoo Atlanta, I’m able to fulfill my life’s passion for financial education.
Plain and simple, you should know what you own, why you own it and how much it costs you. Acting as the Retirement & Investment Services’ Director, I play an active role in evaluating the products and services offered to our membership. We don’t sell proprietary funds. Our open architecture allows our financial professionals to do what they believe is right for the member each and every time, clearly demonstrating a consistent fiduciary standard at a price point that’s extremely competitive in the marketplace.
It’s tremendously fulfilling to inspire my clients to build a strong foundation for tomorrow.
I live in Peachtree City with my husband Paul and daughters, Marilyn and Nora. When I’m not being a soccer mom, I enjoy abstract painting, photography and taking well-planned family vacations.
Julie is a CERTIFIED FINANCIAL PLANNERTM and a Chartered Financial Consultant®.
Delta Community Retirement & Investment Services offers investment strategy, retirement advice and a range of financial services, combined with access to financial planning resources through our relationship with LPL Financial.
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Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Delta Community Credit Union deposits and are not NCUA insured. These products are not obligations of Delta Community Credit Union and are not endorsed, recommended or guaranteed by Delta Community Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Delta Community Credit Union and Delta Community Retirement & Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.