Put Your Tax Refund to Work, This Tax Season

Every year, tax season arrives with a familiar rhythm. W-2s land in inboxes, calculators come out, and people across the country begin imagining what they’ll do with their refund. For many households, that refund is the single largest financial boost they’ll see all year. It’s a moment filled with possibility, and before your members or customers begin planning a getaway with, there may be an important conversation to start; one that financial institutions are uniquely positioned to help.

When credit unions and community banks step into that moment, they can help members and customers turn a once-a-year windfall into long-term financial momentum. A tax refund doesn’t have to be a temporary cushion; with the right support, it can become the first step toward pursuing long-term goals.

Helping Turn Refunds into Real Progress

Servion can give financial institutions a variety of options to help make the most of their refund dollars. For many, homeownership is the dream that may feel just out of reach, until tax season opens a door and an agent helps hold that door open, showing them what is possible.

A refund can become the foundation of a down payment or earnest money used to secure a property. Servion Mortgage can help guide their members through understanding their readiness for homeownership and provides access to mortgage programs that may be otherwise harder to access.

Servion Realty provides agent-led support to help members explore homes that fit their budget, during tax season or in any season. With inventory expanding in several markets, tax season may also align with a timeframe that can open additional options to tour available homes. While residential real estate is one facit of our business there are additional avenues for partnership that can benefit you and your financial institution.

Strategic Planning for the Long Term

While not every member is ready to buy a home today, there can be an additional opportunity that arrives during this timeframe that some members and customers may not have considered. Servion Financial Advisors can step in and spark important conversations about long-term goals:

• Should this money strengthen an investment portfolio?
• Could it be used to reduce future tax liability?
• Is this the right moment to build a more strategic financial plan?

For some, tax-efficient savings or investment accounts may offer meaningful advantages.

While Tax Day 2026 may still feel far away, but Wednesday, April 15 will arrive before we know it. Your members are already gathering documents, imagining possibilities, and mentally spending their refunds. This is your moment to join the conversation.

By offering guidance now, you could help members stretch their refund farther, make smarter decisions, and build long-term financial stability. With Servion as your partner, you’re not just helping members plan for tax season, you’re helping them plan for their future.

Visit www.myservion.com and connect with staff that cares.

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Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

Investments are: Not FDIC/NCUSIF insured | May lose value | Not financial institution guaranteed | Not a deposit | Not insured by any federal government agency.

Cetera Wealth Services LLC, exclusively provides investment products and services through its

representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal

services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice

The opinions are those of the writer, and not the recommendations or responsibility of Cetera Wealth Services, LLC or its representatives.