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ALONG THE WAY

Throughout your lifetime, you will be faced with many financial decisions from building a foundation through retirement and every experience
in between. Let the representatives at Workers Credit Union, through CFS*, help you prepare, plan and enjoy life’s journey.

STARTING OUT

Perhaps you've just graduated from college and have student loans to repay. Or maybe you are looking to move out on your own into a new apartment. If you are just starting out, you'll likely have new obligations to meet and new goals to achieve. Having a plan in place can help you as you begin this new stage in your life.

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COPING WITH UNEMPLOYMENT

Perhaps you’ve lost your job, or maybe your company is downsizing and you’re concerned about being let go. Coping with unemployment means dealing with the emotional, financial, and professional challenges unemployment can bring.

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CHANGING JOBS

Starting a new job is like embarking on a new adventure, and can bring a mix of excitement and apprehension. Whether your job change is imminent or you are just beginning to consider a change in your employment, a number of factors will influence the decisions you will face during this transitional period.

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GETTING MARRIED

Getting married is an exciting time in one's life. However, in addition to planning for the reception and honeymoon, you should be sure to take a look at how getting married will impact your financial situation. With proper planning, you can increase your chances of financial success as you start this new chapter in your life.

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BUYING A HOME

Many individuals dream of owning a home of their own. However, buying a home can often be a stressful process, especially for a first-time homebuyer. Fortunately, knowing how the process works ahead of time can make things a lot easier.

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STARTING A FAMILY

When you become a parent, you soon realize that meeting your growing family's needs will take some planning. Should you revise your budget? Review your insurance and estate plan? Begin saving for college? These are just a few of the questions you might have as you start this exciting phase in your life.

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GETTING DIVORCED

Getting divorced can be an emotionally trying time. However, a divorce can also have an impact on one's finances. As a result, you'll want to have a financial plan that will ensure your financial well-being during this difficult transition.

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SAVING FOR COLLEGE

There are many benefits of a college education--the ability to compete in today’s competitive job market, increased earning power, and expanded horizons. But college is expensive, and costs go up every year. That’s why it’s important to start saving for college as early as possible.

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MANAGING COLLEGE EXPENSES

Managing college expenses can be a balancing act. You may be wondering how you will pay for college when the time comes. In addition to your savings, some of the costs may be covered by your current income, federal loans, grants, work-study, college merit and need-based scholarships, private loans, education tax benefits, and student earnings. The key is making it all work within your existing budget.

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STARTING A BUSINESS

Thinking of starting a business? If so, you probably have many questions about the potential pitfalls and perks. These resources will help answer those questions, and provide you with the basic knowledge you’ll need to put your new business idea in motion.

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PLANNING FOR BUSINESS SUCCESSION

You've worked hard to build your business. It may be time to think about what you would like to happen to that business if you become disabled, retire, or die. A business succession plan can help you plan the transfer of your ownership interest to family members, co-owners, employees, or an outside party.

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PLANNING/SAVING FOR RETIREMENT

Planning for retirement starts with asking yourself 3 basic questions: What kind of retirement do I anticipate? When do I want to retire? How long will retirement last? The answers will help you determine how much of income you'll likely need when you retire and put you in a better position to make wise choices now about saving and investing for your retirement.

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NEARING RETIREMENT/RETIREMENT

You've worked hard your whole life, anticipating the day you could finally retire. When that day finally arrives, you'll need to carefully manage your assets so that your retirement savings will last. This involves reviewing your portfolio regularly, spending wisely, understanding your retirement plan distribution options, and making informed decisions about your Social Security benefits.

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LONG-TERM CARE PLANNING

The longer you live, the greater the chances you'll need some form of long-term care. As a result, it's a real possibility that you or your spouse could become incapable of handling your own medical or financial affairs. If you're concerned about protecting your assets and maintaining your financial independence in your later years, it’s important to plan for the possibility of long-term care.

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CARING FOR AN AGING PARENT

As your parent grows older, you may need to step into the role of caregiver, sometimes unexpectedly. That's why it's never too soon to talk to your parent about the future, and to begin preparing for the financial, legal, and emotional issues you might face.

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LOSS OF SPOUSE

It's never easy to make important financial decisions, and doing so after the death of your spouse can be especially stressful. Fortunately, there are steps you can take to make this difficult time a little easier.

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PLANNING AN ESTATE**

Estate planning can help you manage and preserve your assets while you are alive, and conserve and control their distribution after your death. Estate planning can also help you manage medical decisions if you become incapacitated.

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FINANCIAL WINDFALL

Whether it comes from winning a lottery, coming into an inheritance, or the sale of a business, a financial windfall is often an unexpected and happy event. However, issues can arise, such as having to choose a financial professional, deciding what to do with your money, and understanding tax and estate planning implications.

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©2018 Broadridge Investor Solutions, Inc.


Disclaimer


*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. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. Information shown is for general illustration purposes and does not predict or depict the performance of any investment or strategy. Past performance does not guarantee future results.

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