Tips & Advice

Prepare Today and Get Paid During Retirement

Presented by the Financial Advisors at Apple Financial Services LLC, through CFS*

We're living longer, but are we investing wiser? As our generation faces its golden years, we're learning more and more about trends in aging and trends in investing.

With a significant portion of the population maturing and retiring, the fact is that most people haven't prepared financially to achieve lifetime income and some degree of estate protection.

Do you have the money saved to fund a 20-year or 30-year retirement? Most people do not. They have not saved enough through 401(k) accounts and other means to convert into meaningful retirement income. So, they will either go back to work at some point or restrict their retirement lifestyles and ambitions to live on less.

What should you invest in now? All investments carry a degree of risk, yet some are low-risk compared to others. Some even grow at a fixed rate and let you take advantage of stock market gains, while protecting your savings against the impact of stock market losses.

Regardless of what you invest in during retirement, you need to schedule appropriate income withdrawals. Which accounts do you tap first? How much do you withdraw? These are important questions best answered by developing a retirement income projection.

How much will you need? Don't guess. Find out. In fact, you can begin to find the answers to your biggest retirement questions today.

If you feel it may be time to get answers from an independent financial professional, take advantage of a no cost, no obligation financial consultation with an Apple Financial Services Financial Advisor through CFS.* What you learn could help you to protect your assets and develop a consistent retirement income.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

*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. Apple FCU has contracted with CFS to make non-deposit investment products and services available to credit union members. Apple Financial Services LLC is a subsidiary of Apple FCU and is not directly affiliated with CFS.