Workers Credit Union

Welcome to the
Investment and Insurance Center*

The Investment and Insurance Center at Workers' Credit Union provides members with a unique opportunity to gain financial insight into the matters which accompany major life events - job change, preparing for retirement, funding a college education, conserving an estate, protecting loved ones from the expense of long-term health care. Our registered representatives available through CUSO Financial Services L.P. (CFS)* our broker dealer, will work with you to find the right financial solution.

The mission is to serve our members and the credit union community with quality financial counseling and investment products. Our goal is to be a trusted financial resource that educates and supports others to improve their financial lives.

Let's Talk. It all begins with a no-obligation discussion of your financial situation to show you how we can help. Please feel free to contact us 978-353-7175 or 800-221-4020 (for non-local calls in MA or NH) or contact us through our web site.

Financial & Estate Consultations

The financial representatives in the Investment and Insurance Center have many years of experience in the following:

• Pre and Post Retirement Planning
• Education Planning
• Estate Conservation Strategies
• Life Insurance
• Long-Term Care Insurance

They will listen to your goals to make sure that they have been clearly identified. Together, we will prepare a strategy with carefully selected recommendations that you are comfortable implementing. For your convenience, our representatives are available to meet in any of our branches, at your home or place of business.

Investment Services

Planning for Retirement - An ever-expanding segment of the population is extremely concerned about preparing properly for financial comfort in their retirement years. In pre-retirement planning, our representatives will review your goals before preparing a recommendation especially designed for your situation. We will determine an asset allocation plan that is appropriate and explain the different retirement account options. Once a course of action is agreed upon, we will prepare the proper investment plan and monitor it on a regular basis to make sure it stays on track.

Post Retirement - For many individuals, establishing an income stream that will produce a comfortable life-style during the retirement years while sustaining a level of assets for future generations is of primary concern. We will walk you through designing a retirement income plan to help increase your assets throughout your lifetime. As part of this plan, we will identify and address critical issues that can create risks to your strategy.

Planning for Education Expenses - The cost of higher education increases each year at a pace faster than the average rate of other goods and services making it difficult, at best, to prudently prepare for the future. Fortunately, there are more types of educational savings plans available than ever before. A financial representative can help project the future costs of private and public colleges based upon your timeframe and preferences. We want to make sure you know how to benefit from or take advantage of tax savings and growth potential of your money.

Estate Conservation - The financial representatives will discuss with you the importance of proper estate planning to avoid costly but common mistakes to minimize estate taxes. We work with many attorneys in the development of the estate planning techniques so that you can gain control over where your money will go in the future.

Insurance

Our Investment & Insurance Center ^* works with members to help protect them from devastating events that can have an adverse impact on their financial lives. There is no better time to review your life, long term care and disability insurance needs. Our financial representatives will explain all of your options and recommend a plan which is appropriate for your situation. The Investment & Insurance Center works with many different insurance carriers. This allows us to shop for the most affordable premium costs. Let's take the time to review your situation.

As a member of the Investment and Insurance Center, your accounts can be viewed online. To login, go to My Portfolio View and track your performance. Feel free to bookmark this page on your web browser for easier access.

*Investments offered through CUSO Financial Services, L.P. (CFS) are not NCUA/NCUSIF insured, not credit union guaranteed, and may lose value. Registered Representatives are employed by Workers’ Credit Union and registered through CFS. (Member FINRA/SIPC).