Respond to the following either agreeing or disagreeing or adding to

My research was to find non-bank services that Bank of America, Jacksonville Bank, and Community First Credit Union offer to help many clients. Being a customer for years at Bank of America I would say the only difference is power of attorney and notary services. These non-bank products are not offered by Community First Credit Union and TIAA Bank. Moreover, elder financial care and medallion signature guarantee from Bank of America is one of the two services that is different from other banks. TIAA Bank and Community First Credit Union offer 529 education savings plan which Bank of America doesnt offer it. It is very surprising because bank of America is a very successful bank with many different investments. Managed accounts are one of the services that TIAA Bank has that other bank dont. What makes Community First Credit Union different is the insurance products and services such as disability income insurance, universal life insurance, long term care insurance, variable universal life insurance, and term life insurance. I have done lots of research on non-bank services and investing in securities involves risks. There is always the potential of losing money when you invest in securities. Everyone should review any planned financial transactions that may have tax or legal implications with personal tax or legal advisor.