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BFCU Financial Advisors

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A smart financial strategy means planning for today while preparing for tomorrow. BFCU Financial Advisors has provided this service for our members. Whether you’re just starting to save or are looking for more sophisticated money-management tools, BFCU Financial Advisors can help you meet your personal financial objectives including planning a comfortable retirement, providing a college education or saving for a home. Learn more about the products offered by BFCU Financial Advisors.

*The BFCU Financial Advisor program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit

Meet Our Financial Advisor:

Ray Lazcano

Are you aware that most Americans spend more time planning for a two-week vacation than planning for retirement?

Helping clients reach their retirement goals is my primary objective. There are a lot of options for your retirement, but the first step is developing a strategy. As a financial services representative working with BFCU Financial Advisors, my job is to help you, whatever your age, create a sound financial strategy for the lifestyle you want to live in retirement. Let's get together and create your retirement plan. Together we'll answer the tough questions to give you peace of mind: Are you saving enough? Will you outlive your retirement income? How much insurance should you have? Should you add stocks to your portfolio? Are your financial expectations realistic?

My Background

Over the last 4 years, through workshops and personal interviews, I've helped a great number of members create a methodology to help reach three key financial goals: 1) wealth accumulation during your working years, 2) security and independence in your retirement, and 3) transfer assets in the most advantageous way. Specifically, I can help you:

  • Retire more comfortably.
  • Protect your assets and your financial future.
  • Fund your children's or grandchildren's education.

I am a Registered Representative of CUNA Brokerage Services, Inc., member FINRA/SIPC. I am also a licensed insurance agent.

It's easy to get started. Please contact me for a no-cost, no-obligation consultation.


  • Over 20 years of financial planning experience with individuals.
  • Enjoy reading, travel, and golf Also the proud Dad to an amazing boy James

Professional Services

  • Retirement Income Planning
  • Tax-Advantaged Investment Planning
  • Wealth Management
  • Charitable Giving Strategies
  • Life Insurance Planning
  • Investment Management
  • Trust Services
  • Long Term Care Insurance
  • Estate Planning

Check My Background

FINRAs Broker Check
*BFCU Financial Advisors Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.
**Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account (IRA), you should consider whether the rollover is suitable for you.  There may be important differences in features, costs, services, withdrawal options and other important aspects between your employer sponsored retirement account and an IRA. FR-3487060.1-0321-0423

Membership Requirement

Membership in this Credit Union shall be limited to the employees and retirees (including their family members) of the following:

  • Boston Fire Department
  • Boston Police Department
  • Boston EMS
  • Boston School Police
  • Massachusetts State Police
  • Boston Firefighters Credit Union
  • Boston Firefighters Local 718
  • Massachusetts Fire Departments whose members comprise the Professional Fire Fighters of Massachusetts (PFFM), a labor organization affiliated with the International Association of Fire Fighters (IAFF)
  • Suffolk County Sheriff’s Department
  • Police Departments within a 25-mile radius of Boston

For the purpose of this section, the term "family member" shall be defined to include spouses, domestic partners (sharing a principal residence in the same household as the member), and children as well as parents, grandparents, grandchildren, siblings, nieces and nephews whether related by blood or marriage.

By clicking continue, you are verifying that you belong to one of these groups.

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