Retirement Planning

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 are your personal retirement financial planners, working 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 the investments you make and the retirement savings plan you develop.

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. And if you have a plan stranded with a former employer, we can help you avoid common 401(k) rollover mistakes that could lead to big penalties.

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 and any other retirement annuity you have 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.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. CommunityAmerica Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
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