Make sure your golden years will shine.

Are you confident that you’ll be financially prepared for retirement when that chapter of life approaches? Retirement goes beyond having a savings account in place. There are a few other ways you can help to ensure a smooth transition, and we're here to help ensure you explore all of your options.
Visit our Investment & Retirement Center

Feel retirement-ready with guidance from our team of professionals and equip yourself with the right saving and investing tools for your goals.

 

Years Away, but Never Too Early

  • Set expectations for the lifestyle you want to have throughout retirement and budget for it. It's never too early to start saving and preparing for retirement!
  • Regularly assess your contributions to your retirement account, and consider annual percentage increases to account for costs of living.
  • Take full advantage of your company's employer match, if offered. You'll double your earnings without moving a muscle!
  • Consider ways to reduce certain monthly living expenses.

Setting Up Your Family in Retirement

  • Review your beneficiary plans and make adjustments based on your preferred plans.
  • Identify potential future expenses, like higher education for children or grandchildren, and factor these costs into your retirement plans.
  • Work with a lawyer to write your will, and regularly revisit this document and update it as needed.
  • As you get older, downsize to a smaller home or refinance if that will help you save money in the long run.

Working with Experts

  • Work with a professional to evaluate investments and maximize earnings based on your risk preferences.

Want to know where to start? Reach out to our American Heritage Investment & Retirement Center where members have access to our experts who will help pair you with the investment or retirement option that will work best for your financial situation.

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401K & Pension Rollover Services

You're more than likely to switch employers throughout your career, or explore additional retirement options like a 401K or an IRA. Experts with our Investment & Retirement Center can ensure you're taking advantage of all your opportunities and making the most of your hard-earned funds.

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IRAs

An IRA is an individual retirement account and comes in many forms, such as a Traditional IRA or a Roth IRA. Each comes with its own unique benefits, and the experts with our Investment & Retirement Center can outline your options and help you decide on the best path for your future.

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Legacy Planning

Your family will be a major factor to consider when weighing all of your retirement options. How can you set them up for success and ensure your wealth is transferred to the right individuals. Our Investment & Retirement Center representatives are experts in legacy planning and will help you in making sure your money is handled properly.

Retire with Confidence

Couple reviewing retirement plans with a retirement consultant

Preventing Procrastination: Tackling Your Finances Head-On

By: American Heritage
08.08.24
It’s easy to put off certain financial tasks, whether they be paying a specific bill, creating an emergency fund, or writing a will. The simple truth is that nothing good can come from procrastinating on these items. A late bill incurs interest, and you unfortunately never know when a will or emergency fund will be needed. Read on to learn what should be a part of your financial journey, and the steps you can take to accomplish these tasks.
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Two retired women hugging a golden retriever dog.

8 Common Retirement Mistakes to Avoid

By: American Heritage
07.25.24
Your retirement years are too important to leave to chance. Whether retirement is right around the corner or decades away, it’s good to be prepared. As you look ahead, look out for these all-too-common retirement planning pitfalls.
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Certificate vs. MMA

Certificates vs. Money Market Accounts: What’s Right for You?

By: American Heritage
06.13.24
A certificate or money market account (MMA) from your local credit union can be a smart, safe way to grow your money faster – and reach your savings goals sooner. Unlike stocks, both account options are federally insured, and they often pay much higher dividends than typical savings accounts. Certificates and MMAs are both good options, but they have some key difference you should know about when deciding which to choose.
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A mature couple smiles as they work with a financial advisor.

Why Are Trusts Frequently Used in Estate Planning?

By: American Heritage
05.02.24
When it comes to estate planning, you may be more familiar with the concept of a will versus a trust, but there are several reasons that trusts could benefit you and your loved ones in estate planning. Establishing a trust gives you control over how your wealth will be protected and, ultimately, transferred to your beneficiaries. Many types of trusts are available. The benefits of each vary by type, and each may be treated differently from state to state.
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5 Important Facts You Should Know About Social Security & Retirement

By: American Heritage
04.25.24
Whether you’re a few years or a few decades away from retirement, you want to make sure you can live comfortably when you do retire. First enacted in the 1930s, America’s Social Security program protects people against the loss of earnings due to retirement, death, or disability. But Social Security was meant to be a foundational element of planning for retirement, not the only source of income after retirement. Here are five important facts about the program.
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We're Here for Your Future

Let our team of financial professionals lead you on the right path for retirement and any other investment goals you may have.
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Are you saving for the retirement you want?

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Important Disclaimers

* Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed  affiliates. American Heritage Credit Union and The American Heritage Investment & Retirement Center are not registered as a broker-dealer or investment advisor. Registered representative of LPL offer products and services using American Heritage Investment & Retirement Center, and may also be employees of American Heritage Credit Union. These products and services are being offered through LPL or its affiliates, which are  separate entities from, and not affiliates of, American Heritage Credit Union or American Heritage Investment & Retirement Center. Securities and insurance offered through LPL or its affiliates are: 

Not Insured by NCUA or Any Other Government AgencyNot Credit Union GuaranteedNot Credit Union Deposits or Obligations

May Lose Value

The LPL Financial registered representative(s) associates with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. 

**CRPC® is a registered service marks of the College for Financial Planning®.

***Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

Your Credit Union (“Financial Institution") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

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