RETIREMENT
YOU'VE GOT ENOUGH TO MANAGE. LET US MANAGE YOUR RETIREMENT.
IF OUR RETIREMENT PLAN WERE ANY MORE PERSONAL, IT
WOULD BE NAMED AFTER YOU.
At CommunityAmerica, we realize that everyone has unique goals for their
retirement. Whether it's traveling, a vacation home or even just sitting back
and relaxing in your favorite chair, our
CFS* Financial Advisors at
CommunityAmerica Credit Union will work with you to design a plan to help you
reach your goals.
PLAN NOW. PROSPER LATER.
As you know, saving for retirement is one of the most important financial
challenges you will face. That's why we want to review every aspect of your
retirement situation. For instance:
DO YOU PLAN TO RETIRE AT A NORMAL RETIREMENT AGE, OR EARLIER OR LATER?
Changes in your retirement timeline will make a big difference in how much you
need to save
and invest.
HOW DOES YOUR MONTHLY HOUSEHOLD SPENDING STACK UP?
Anything you can save will help you grow your retirement money. Even increasing
your monthly contributions to a tax-deductible retirement plan by as little as two or three percent can make
a huge difference.
DO YOU HAVE THE RIGHT MIX OF INVESTMENTS?
As you near or enter retirement, you may want to change to a more conservative
model of investing.
IS YOUR 401(K) PERFORMING WELL?
You need to review it at least once a year to see how your employer-sponsored
plan is doing.
SHOULD YOU OPEN A ROTH IRA?
All earnings and withdrawals are tax free and depending on your circumstances,
it may pay to roll over funds from a Traditional IRA into a Roth.
HAVE YOU FACTORED IN SOCIAL SECURITY AND PENSION PLANS?
Don't forget that these will play a significant role in helping with your
retirement funds.
YOU'VE GOT PLENTY OF YEARS TO RELAX. BE SURE TO
MAKE THE MOST OF THEM.
Statistics show that you'll probably spend at least 20 years in retirement. So
it's important to develop a strategy for your retirement income. Not only do you
need a plan that will help you live the way you want, you need an advisor who
can help you strategize and adjust as time goes on.
CommunityAmerica Financial Planning Services can help make your retirement planning simple. Our CFS* Financial Advisors can help answer your questions and make you aware of all the investment options available to you. Ready to develop an investment plan that keeps on working even when you're not?
Contact a
CFS* Financial Advisor today.
*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)