Andigo Wealth Management is now Consumers Financial Group 

As a result of our merger with Consumers Credit Union, and effective January 1, 2021, Andigo Wealth Management is now Consumers Financial Group.

Holistic planning approach

We believe in looking at your entire financial picture, even if you decide to keep certain funds elsewhere. However we can help, our recommendations will fit within your big picture.

Personalized services, well-known resources
While we foster close-knit relationships, we offer a wide range of products from many other financial institutions. We have access to nearly any account type and investment tool and the experience to provide the most options for you.

Affordability at its finest
We pride ourselves on offering products and services that are designed to be affordable. And we’re happy to answer any questions you have about costs (i.e., “What’s in it for you?”). While this is our profession, our responsibility to you is always most important.

Schedule a no-cost, no-obligation consultation today with a Consumers Financial Group Financial Professional.

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Retirement planning at every stage

Together, let’s look at your complete financial picture to compare where you are to where you want to be.

Just starting out?
We will set you up with a plan with the right level of risk for you and explain the benefits of a 401(k), ROTH IRAs and everything in between.

Nearing or in retirement?
We will help manage your retirement income so it lasts and help you navigate social security, Medicare and pension distributions.

Somewhere in the middle?
Let’s look at the retirement accounts you’ve accumulated along the way and make sure they’re properly invested for you.

Schedule a no-cost, no-obligation retirement consultation today.

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College planning 101

Whether little Timmy is mastering his first steps or getting ready for the SAT, make sure you're both prepared. It's not too late.

The reality is that paying for college isn’t as scary as tuition rates would lead you to believe. With some know-how, you can slash the price tag of sending your child to college. Whether your son or daughter is one-year-old or 17, we can help. We'll walk you through:

  • 529 plans and other tax-advantage savings options
  • Ways to cut college costs
  • The difference between government & private loans and how to choose the right ones
  • How grants & scholarships actually get awarded, and which ones are worth going after
  • How to find a college’s graduation rate & why it’s critical
  • And more!

Let's make a plan. Schedule a no-cost, no-obligation consultation today.

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Asset management — in all shapes and sizes

Saving for a house? Want to start a business? Saving for college? We can help. We know there’s more to financial goals than just planning for retirement. You have big plans before you get there, and we will help make sure your assets are wisely allocated and growing as they should.

We’ll discuss your comfort levels with risk, diversification of investments – access to your money and your timelines. Based off of those we’ll help you decide which product(s) work best for you, including:

  • Mutual funds
  • Bonds
  • Stocks
  • Unit Investment Trusts
  • Managed accounts
  • Real Estate Investment Trusts (REITs)
  • Annuities (income, fixed, index, structured/hybrid and variable)

Let’s get your money working for you. Schedule a no-cost, no-obligation consultation today.

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Financial protection

Life’s uncertain, so we suggest you maintain adequate insurance coverage. Our insurance products are designed to offer extensive, customized coverage at different rates that coincide with your varying needs.

Life insurance

Through relationships with CUNA Brokerage Services, we offer advice to help you select a term life policy (providing coverage for a limited number of years) or a whole life policy (providing lifetime coverage and financial protection for your dependents while potentially building cash value you can borrow against). We work with a variety of companies to make sure you’re getting the right deal based on your needs.

Long-term care insurance

Ensure support in your golden years for things not covered by health insurance, Medicare or Medicaid. That means helping to protect the assets you’ve accumulated over your lifetime from being spent on long-term care each month. You’ll get to stay independent without relying on your loved ones and maintaining more control over the care you receive, such as:

  • Assisted living facilities and nursing home care
  • Home health care and adult day care
  • House cleaning and meal preparation services

Whether you’re looking for traditional, asset-based or hybrid long-term care insurance. We’ve got options. We’ll even help you decide which is best for you. Learn more about your long-term care insurance options in our FAQ.

Disability insurance

It’s tough to think about, but a car accident or a debilitating disease at any age could render us unable to earn income. Disability insurance helps replace your income while you’re out of work, in the short term or the long term.

Start protecting your future. Schedule a no-cost, no-obligation consultation today.

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Trust services — life is short, family is forever

For more than 15 years, our partner MEMBERS Trust Company* has been helping our members plan and protect their futures. We offer you these services:

  • Tax savings strategies
  • Estate settlement
  • Asset management services
  • Revocable living trusts
  • Charitable giving
  • Life insurance trusts
  • Trustee services

*Trust services available through MEMBERS Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency.

Explore our trust services. Schedule a no-cost, no-obligation consultation today.

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Meet the team

Mike Chatterton and Pam Valentino have been serving clients for years as part of Andigo Wealth Management, predominately in Schaumburg, Carol Stream, Streamwood and the surrounding areas. Mike and Pam are part of the Consumers Financial Group team, which serves the greater Chicagoland  and Southern Wisconsin area.

  • Mike Chatterton

    Michael Chatterton

    Vice President, Wealth Management
    Mike learns clients’ challenges and goals, and then provides a wealth (pun very much intended) of ideas to help them achieve those goals. Holding life, health and long-term care insurance licenses, Mike helps build investment portfolios for clients that work hard in economies both smooth and rough. Learn more about Mike.
  • Pam Valentino

    Pam Valentino

    Program Coordinator
    Pam has spent over 25 years with credit unions so we think it's safe to say she knows what she's doing. Her favorite part about the job is building relationships with our clients. (She'll be sure to ask how little Timmy did at last week's ball game.) When she's not working with clients, she can be found on the beach with a good book in hand.
Meet the rest of the Consumers Financial Group team...

meet the team


Check the background of our financial professionals on FINRA's BrokerCheck.

CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit

Consumer Financial Group Financial 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. FR-3377577.1-1220-0123. 

Have questions about Wealth Management services? We’ve got answers.

What happens to my Traditional or Roth IRA if I die?

We know — it’s not fun to talk about but hey, kudos to you for being prepared. Rest (peacefully) assured that your IRA benefits will be passed directly to your named beneficiaries (without being subject to the estate probate process) in the unfortunate event of your death.

We're here if you'd like to ask any specific questions. Call 847.576.5199 (toll-free at 877.270.6392).

What are my life insurance options?

  • Term: provides coverage for a certain number of years, the most common policy is for 30 years.
  • Whole: provides coverage your whole life. After all, you gotta see those great-grandbabies graduate.
  • Universal Life: provides a bit more flexibility to alter your premium, benefits and investment options as your needs change. And even within universal life insurance, you have options – guaranteed, indexed and variable.

It can get a little complicated. That’s where we come in. Schedule an appointment with us to discuss your needs and options.

What are my long-term care options?

  • Traditional: you pay a yearly premium and when the time comes, you’ll have the funds you need to pay for long term care.
  • Asset-based: if you have an unused asset you can use it as collateral to pay for your long term care need. If you end up not needing long term care, that money is still available for your family.
  • Hybrid: life insurance with long-term care roped in. You pay an extra monthly or yearly premium to your life insurance policy and your long term needs will be covered.

When am I required to begin taking distributions from a Traditional IRA?

If you're already taking your required minimum distributions, then you must continue taking them. Otherwise, by April 1 of the year after you turn 72. Not kidding. It's that specific.

How much do I have to take out of my IRA at age 72?

You must start take the minimum distribution each year beginning with the year you turn 72. This minimum amount is calculated by dividing the IRA account balance as of December 31 of the prior year by the applicable distribution period or life expectancy.

The IRS does the math for you; just check out the tables in Appendix B of Publication 590 on their site.

Interested in learning more? Fill out the contact form below and we'll reach out. No worries, we'll keep it light.

Click here to schedule a no-cost, no-obligation financial review with one of our Financial Professionals.
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