LIFE STAGES

HELP INCREASE YOUR INVESTMENTS

Along with the opportunities to help increase your nest egg, come a host of complexities. We stand ready to assist and guide you in reaching your goals for today and for future generations.

In addition to helping you with active portfolio management, we can customize your portfolio based upon your financial plan. Whether you require professional advice regarding asset allocation, specific security selection, complex estate planning issues, or insurance related issues, you can count on CommunityAmerica to help you maintain and help increase your current lifestyle, and providing for the future needs of your family and legacy.

We are dedicated to developing effective partnerships with our clients, and to providing honest advice and solid recommendations.

As you build a portfolio to pursue your investment goals, it's important to consider both the investment and the tax consequences of a transaction when making investment decisions. Reduced tax consequences can make a tremendous difference in the return you actually receive as an investor.

For example, you already may be making full use of tax-advantaged accounts such as 401(k) plans and IRAs for retirement, or state-sponsored 529 plans for a college education. If you want to use mutual funds for investments in taxable accounts, the types of funds you choose and the strategies you follow can help you anticipate and manage your tax obligation.**

No matter what your individual financial situation may be, CFS* Financial Advisors at CommunityAmerica Credit Union are committed to delivering knowledge and information to help you make educated investment decisions.

An important step is to start planning today by contacting CFS* Financial Advisor. Our CFS* Financial Advisors can help you take the guesswork out of investing for your future.

How? Through our CFS* Financial Advisors –– dedicated career professionals, registered through CUSO Financial Services, LP, our broker dealer, carefully selected and trained to serve credit union members.

Most of all, we want you to have confidence in your CFS* Financial Advisor at CommunityAmerica Financial Solutions to act in your best interest — which means you can expect our advice to be objective, fair and honest.

Your CFS* Financial Advisor provides you the benefit of professional guidance so you can make conscious, thoughtful decisions that match your needs with suitable investment alternatives. We are committed to delivering the knowledge and information you need to make sound investment decisions. We want to provide you with the strategic insight needed to invest more confidently.

We invite you to call your CFS* Financial Advisor today, so we can begin working with you to develop the right plan for your retirement.

Estate planning is a vital part of financial planning

Let's say you've worked hard, saved carefully and invested your money with intelligence. But who will take care of your finances if you are no longer able to do so? And how will your assets be divided when you pass away? We can help you answer these questions and provide directions to other concerns you may encounter.

At the same time, we can also help you develop a strategy to help minimize estate taxes and ensure your loved ones, not the government, benefit from your efforts.

Of course, as with the other facets of your financial plan, it's important to define your estate planning goals. Once you have plans in place to fund your retirement and other investment goals during your lifetime, you can determine how you want your assets managed and distributed after your death.

For example, if you're married with children, you may want to pay for your children's education. If you're married without children, you may simply want to focus on funding your retirement, including providing for your spouse in the future.

By working with your CFS* Financial Advisor, you can help ensure your assets are distributed in a way that meets your goals.

Remember, defining your goals is the first, and most important, step you'll need to take when establishing an estate plan. Retirement is something you should be looking forward to — not worrying about.

*Investments and investment advisory services offered through CUSO Financial Services, L.P. (CFS), an independent broker-dealer and SEC Registered Investment Advisor are Not NCUA/NCUSIF insured, are Not credit union guaranteed and May lose value. CommunityAmerica Credit Union is affiliated with CFS. Financial Advisors are employees of CommunityAmerica Credit Union and registered through CFS. (Member FINRA/SIPC)
**Withdrawals made prior to age 59 1/2 may result in IRS penalties. For specific tax advice, please consult a qualified tax professional.