Enjoy the Years Ahead Starts with Savings

Determine estate transfer and income strategies now so you can enjoy the years ahead worry-free.
Home Your Life Retirement Planning & Investment Center Distribution & Income Replacement

Income Strategies

Create a predictable income stream once you’ve left full-time work. Our experts can help you navigate the options below.

  • Annuities
  • Social Security
  • Part-Time Job
  • Other Sources of Income


Closing a Retirement Income Gap

Strategies to consider when your income won't be enough to meet your needs in retirement.

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Estate Transfer Strategies

Create a legacy for your loved ones. Consider including the items below.

  • Wills
  • Living Wills
  • Trusts
  • Powers of Attorney


Estate Transfer Strategies and Tax Basics

Learn why income tax basis can be an important factor when making a gift.

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We’re eager to understand your goals and help you create a strategy by:

Actively Listening to Your Goals and Needs

To start, we’ll get to know you, identify your goals and investing mindset and assess your risk-tolerance and preference.

Personalizing Your Strategy

Together, we’ll develop a financial plan, select asset allocation/securities, and generate solutions.

Implementing Your Solutions

Depending on the strategy, we’ll get to work opening new accounts, transferring assets and/or validating existing portfolio.

Monitoring Your Results

After the initial strategy is implemented, we’ll do performance reviews, continue market research and regularly revisit your goals to adjust your strategy as needed.
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¹Non-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. Atria Wealth Solutions, Inc. (""Atria"") is a modern wealth management solutions holding company. Atria is not a registered broker-dealer and/or Registered Investment Advisor and does not provide investment advice. Investment advice is only provided through Atria's subsidiaries. CUSO Financial Services, LP is a subsidiary of Atria. Fixed insurance products are offered through Next Financial Insurance Services Company.

CFS 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.