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BANKING & CREDIT UNIONs members because those are situations members haven't planned for. "When they come in here, they are pretty shaken up. We give them a checklist and say, 'Here are some things you might not have thought of.'" The credit union has been constantly training its staff in the program and evaluating feedback, which has led it to add singles and couples with no children to the program's categories. "Our existing members say this is what you have been doing for us all along, while new members are surprised at what we can do for them." "Just because you're a certain age doesn't mean you have the same financial needs and priorities as others your age," Schinke adds. "That's why Prospera focuses on stages instead of age. Each life circumstance involves different emotions and decisions and then provides customized financial guidance that reflects that understanding." Unlocking doors Mortgage lending looking up; first-time home buyers ready to invest By Connie Fellman M ore prospective home buyers are looking forward to putting out the welcome mat, thanks to nearly two years of continued growth in the mortgage lending market. According to the Wisconsin Realtors Association (WRA), existing home sales nationwide are up by around 10 percent on average from last year, and the local news is even better. "What's great for Wisconsin is (April) is the 22nd straight month that we've noticed increases," says Ann Spencer, regional mortgage director at Green Bay's Associated Bank. "So the trajectory "People are conservative, but with the low-rate market, they are able to get a little more for their dollar today." –Drew Bodway, assistant vice president-mortgage manager at First National Bank, Fox Valley theknowledgeeconomy. therightinformationintheright handsleadstoexceptionalresults foryourfinancialfuture. Intelligent investing begins with a solid platform upon which you can build your vision for the future. In challenging economic times, you need an edge. Now is the time to move to Legacy. Legacy clients benefit from the experience and intellectual capital of our highly regarded wealth management team, including their compelling analysis of risk, the economy and financial markets. To learn more about Legacy's suite of investment and wealth management services, contact Michael B. Mahlik, 920.967.5040, or mmahlik@lptrust.com. When properly harnessed, knowledge mined from insightful research helps our investment professionals spark ideas and take actions that return positive results in any environment. That's the knowledge economy. And you can find it at Legacy. www.lptrust.com 13218_LPT_Insight_HalfAd_Knowled1 1 34 | Insight • J u l y 2 013 Two Neenah Center, Fifth Floor, Neenah, WI 54956 AssetMAnAgeMent|WeAlthPlAnning|trustservices 6/18/13 11:58:29 AM w w w. i n s i g h t o n b u s i n e s s . c o m