WEBINAR: Do You Really Need a Bank? What Alternatives Are There?



Stopping by your local bank branch, while picking up groceries and dry cleaning used to be a part of Americans’ everyday routine. Now, many routines have changed, and how we bank is one of them. A local “brick and mortar” branch is no longer the norm for many. Online banking, mobile devices, third-party payment platforms, credit unions are now commonplace.
Join Baltimore-Washington Financial Advisors and David Woodruff, President & CEO of APL Federal Credit Union for a discussion on banking alternatives and how to simplify your cash management.
Tuesday, June 20, 2023 from 11:45 AM to 1:00 PM EDT
  • Are you paying too much for check writing, ATM/debit cards, credit cards, bill-pay, FDIC insurance?
  • Better cash management solutions to improve your returns and lower your fees.
  • How much should you have in savings? Do you have too much? Why is too much bad?
  • Are you using the equity in your investment portfolio for debt management?
  • Do your banking and investing at the same institution, it’s easier and more convenient.
  • How consolidation of your financial institutions may improve your performance.
  • Why a credit union might be more cost effective and deliver better service.
  • What tools and assessments can BWFA run for individuals to evaluate these issues?
Managing Director, Wealth Management
& Executive Manager, BWFA
President & CEO
APL Federal Credit Union

David joined APL FCU in March 2019 as President/CEO. With more than 35 years of experience working in financial institutions, including over 27 years serving in credit unions.
David considers himself a champion of cooperative credit union values and ideals. His career has taken him from California to Washington, Virginia, New Mexico and now Maryland. He holds a Bachelor of Arts degree from Brigham Young University and has completed a number of other executive leadership courses over his career. He is a graduate of Leadership Howard County Class of 2020 and currently serves on the Howard County Board to Promote Self-Sufficiency as well as Treasurer for the Association of Community Services. He also enjoys serving as a mentor in the Ohana HC program. David and his wife, Lynnae, have three children.
We hope you can join us!

Robert Carpenter

President & CEO

BWFA is a Fee-Only/Fiduciary Advisor.

For questions or help registering please contact,

Cortney Caronna | Marketing Associate | BWFA | emailus@bwfa.com | 410-461-3900

BWFA is proud to offer several webinars every week on a variety
of financial topics as well as lifestyle and wellness topics.
Webinars are complimentary and are easily accessed through Zoom.
Feel free to forward this email to your friends and family who may be interested
as well, they can virtually participate from anywhere in the world!
Additionally, if you’d like to schedule a complimentary consultation via
phone or Zoom, please email Cortney Caronna at ccaronna@bwfa.com.
View and signup for Upcoming Webinars at the link below.