A female bank teller is receiving a check from a young African American woman from behind a desk.


PCT Federal Credit Union is pleased to provide access to comprehensive financial planning services through a strategic alliance with John B. Castelot, LUTCF of Northeast Planning Associates (NPA).

Image of John B. Castelot. He is an older gentleman wearing a suit and tie, and round glasses.Developing a sound financial plan for the future can be one of the toughest financial challenges our members face. Planning for retirement while saving for your children’s education, understanding your insurance needs, evaluating your investment options, and creating a forward-thinking savings plan — all while managing today’s expenses — can be overwhelming and confusing. John B. Castelot of NPA provides guidance to help you set achievable short – and long-term goals, avoid costly financial mistakes, and more.



NPA’s services include:

  • Financial Planning (asset allocation review, tax planning, cash flow analysis, estate planning)
  • Qualified Accounts (IRA, SEPs, 401(k), 403(b), Profit Sharing Plans)
  • Advisory Accounts (mutual fund wrap accounts, active & passive strategies)
  • Insurance Programs (life Insurance, annuities, long term care insurance and disability insurance)
  • Investment Programs (mutual funds, stocks, bonds, REITs, variable annuities)
  • Educational Accounts (529 Plans, Educational IRAs, UGMAs, UTMAs)
  • Non-Qualified Accounts (Standard Brokerage)


To learn more or to schedule a free financial consultation, contact John B. Castelot at 800-279-8083 or

A purple button that says Financial Planning Brochure



Financial planning offered through Northeast Planning Associates, Inc. (NPA), a registered investment adviser. Securities and advisory services offered through LPL Financial, a registered investment adviser and member FINRA/SIPC. Insurance products offered through NPA, LPL Financial or its licensed affiliates. The Credit Union, NPA and LPL Financial are not affiliated.

Not NCUA Insured No Credit Union Guarantee May Lose Value