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Christopher R. Hibbard, ChFC®, CRPC®, CFS®

Vice President, Wealth Management

 

Teachers Investment Services

Located at Teachers Federal Credit Union

5439 Sunrise Highway

Holbrook, NY 11741

 

Phone:  631-698-7000 Ext. 6020

 

Email: christopher.hibbard@lpl.com

 

CRPC conferred by College for Financial Planning.

May/June 2026

Savvy New Car Shopping Tips

Young and cheerful woman enjoying new car hugging steering wheel sitting inside. Woman driving a new car.

Memorial Day weekend kicks off summer— and some of the year's best car deals! Dealerships clear out older inventory to make way for new models, offering rebates, low APR financing, and lease specials.


Research ahead: Deals often start weeks early. Check manufacturer sites and tools like Edmunds or CarsDirect for current incentives—expect cash back, 0%-low rates, or military bonuses.


Get pre-approved: Obtain financing from banks or credit unions first to improve your negotiating position. Target outgoing models: Previous-year vehicles typically receive the largest discounts to clear inventory for new arrivals.


Shop midweek: Avoid crowded weekends by visiting on Tuesday or Wednesday for more salesperson attention and flexibility.


Negotiate smartly: Prioritize the out-thedoor price over monthly payments alone. Request quotes from multiple dealerships via email.


Test drive thoroughly: Make sure the car meets your needs, not just the deal.


With preparation, you can drive away saving thousands. Act fast—top offers end soon after the holiday!

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Christopher Hibbard is a financial advisor with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Teachers Federal Credit Union (TFCU) and Teachers Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Teachers Investment Services, and may also be employees of TFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of, TFCU or Teachers Investment Services. Securities and insurance offered through LPL or its affiliates are:

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