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

Retirement Plan

Build a Better Retirement with IRA Certificates

By: American Heritage
01.10.20
If you’re looking for a simple solution that offers both steady earnings and protection for your funds, an IRA certificate could be right for you. While you may not have heard of this type of account, you’re probably familiar with the two accounts it combines: an individual retirement account (IRA) and a certificate (the credit union equivalent of a bank CD). Here’s why an IRA certificate could be a smart approach to your retirement savings.
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Retirement Planning: A New Year’s Resolution Worth Keeping

By: American Heritage
01.02.20
Every January, people across the world set New Year’s resolutions — from saving money to losing 15 pounds, the start of a new year is a chance to plan for the future and reach new milestones. One resolution that should be at the top of your list? Retirement planning.
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Senior couple walking their dog in a beautiful autumn park

Want a Comfortable Retirement? Start Saving Now.

By: American Heritage
10.10.19
It’s easy to put off saving for retirement. Everyday expenses like rent and groceries take precedence over something that’s decades away. And other savings goals like a new car or a down payment on a house are more exciting (and feel more tangible) than retirement. But starting to save for retirement when you’re young will make saving enough money to enjoy a comfortable retirement much easier. Here's why.
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A grandmother reading to her two granddaughters

Protect What Matters with the Right Life Insurance

By: American Heritage
09.12.19
It’s never an easy thing to think about, but it’s something you need to consider: If you were to die, who would provide for your loved ones? September is Life Insurance Awareness Month, and now is the perfect time to learn about the types of life insurance and see what’s best for you.
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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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