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Investment & Retirement Services
You go to the doctor to ensure you are in optimal health; why not go to a financial professional to help ensure your finances are healthy, too?
Social Security and Your Retirement
Presented by: Mike Mason
Here’s an opportunity to attend a valuable virtual seminar on this topic.
Social Security and Your Retirement:
January 19, 2021 at 6:00pm Central Time
Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. But do you know the rules of the road when it comes to Social Security? Determining when to begin benefits could be one of the biggest financial decisions you face, and there are key issues to consider. Here’s an opportunity to attend a valuable educational virtual seminar on this important topic, at no cost and no obligation:
During the virtual seminar, you’ll find out more about your Social Security benefits and discuss the role they play when setting a clear direction for your financial future. You’ll learn the answers to your Social Security questions, including:
- What are the rules for starting your Social Security benefits?
- How do spouses coordinate their benefits?
- Are there different routes to take that could potentially increase your benefits?
- How do you decide where Social Security fits within your retirement plans
We urge you to make your reservations today.And give Phil a call at 217-872-4136 with any questions about the virtual seminar or contact him by email at Phil.Cruikshank@cunamutual.com. Phil looks forward to seeing you virtually.
The Earthmover Investment & Retirement Services Financial Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.
FR-3401579.1-0121-0223.
Income for Life
Presented by: Mike Mason
Tuesday, January 26 at 6:00 p.m.
What lies ahead for you? Whatever your retirement goals are, ensuring a steady stream of income during retirement will be an important part of the road ahead. Social security, how to use your 401(k) and other investments are common concerns during retirement income planning. Join us for an informational seminar to address these concerns and learn how the use of annuities could create a guaranteed stream of lifetime income for you.
Help set your financial direction and learn the answers to questions like these:
What sources of retirement income will you rely on?
What retirement risks do you face now that you’re drawing on your savings?
Which income strategies should you consider?
How can you use annuities to guarantee an income for life?
This no-cost, no-obligation seminar is hosted by Phil Cruikshank, the Earthmover Investment & Retirement Services, Representative at Decatur Credit Union. For more information or to reserve your place, call (217) 872-4137 or email mary.downs@cunamutual.com. Space is limited, so make your reservations today.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers. Not NCUA/NCUSIF/FDIC insured, may lose value, no financial institution guarantee. Not a deposit of any financial institution.
Financial advisors are not tax advisors nor attorneys. For information regarding your specific tax situation, please consult a tax professional. For legal questions consult your attorney.
Representatives are registered, securities are sold and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA 50677, 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.
MGA-1372202(CM).4-1118-1220
© 2018 CUNA Mutual Group
Understanding Medicare
Planning for retirement is never easy and maneuvering through Medicare rules and regulations is one more step in an already confusing process. Join us for a no-cost, no-obligation virtual seminar that can help answer your questions.
Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation:
Understanding Medicare
Tuesday, February 2nd, 2021 at 5:30 p.m.
During the virtual seminar, you’ll find out more about the basics of Medicare and how financial education can help you in retirement income planning. You’ll learn the answers to your Medicare questions and discuss:
- Medicare basics and the differences between Parts A, B, C and D
- Tips for choosing your coverage and enrolling in Medicare
- How to consider health care costs when planning your retirement income
Click here to reserve your place at this upcoming seminar.
Space is limited, so we urge you to make your reservations today. And give Phil a call at 217-872-4136 with any questions about the virtual seminar or contact him by email at Phil.Cruikshank@cunamutual.com. Phil looks forward to seeing you virtually.
This workshop is educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers.
Financial advisors are not tax experts. For information regarding your specific tax situation, please consult a tax professional.
*Earthmover Investment and Retirement Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.
MGA-3055122.1-0420-0522
Rollover Planning
Often times when people change jobs or prepare for retirement, they need to make decisions on their retirement plans and pensions. In this virtual seminar, you’ll learn some of the rules we need to follow and the options available.
Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation:
Rollover Planning
Tuesday, February 9th, 2021 at 6:00 p.m.
In this session you will learn the answers to questions, including:
- Pros and Cons to leaving your money in the company plan
- Possible taxes or penalties we may face when moving money
- Options for moving it your new company plan
- Rolling it over to a personal IRA
Click here to reserve your place at this upcoming seminar.
Space is limited, so we urge you to make your reservations today. And give Phil a call at 217-872-4136 with any questions about the virtual seminar or contact him by email at Phil.Cruikshank@cunamutual.com. He looks forward to seeing you virtually.
This workshop is educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers.
Financial advisors are not tax experts. For information regarding your specific tax situation, please consult a tax professional.
*Earthmover Investment and Retirement Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.
MGA-3013504.1-0320-0422
Consider the following scenarios:
Scenario 1: You’ve worked hard all your life, been careful with your finances, and are now looking forward to retirement.
Scenario 2: You have a general sense of how your investments are performing, but could use some additional guidance.
Scenario 3: You haven’t been much of a saver and you're now playing catch-up.
Each of these scenarios are ideal for consulting with a financial advisor. And no matter what your financial landscape looks like, everyone could benefit from some objective financial perspective.
Financial Professional, Phil Cruikshank, exclusively serves the credit union's membership through Earthmover Investment & Retirement Services. Phil is here to evaluate your financial situation, offer recommendations, provide investment and insurance options, and help you create a strategic financial plan.
Contact Phil at (217) 872-4136 or phil.cruikshank@cunamutual.com to make a no-cost, no-obligation appointment.
Check the background of Phil or any investment professional on FINRA's BrokerCheck.
*The Earthmover Investment & Retirement Services program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit cunabrokerage.com.
The Earthmover Investment & Retirement Services Financial Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.
CBSI, FR-3150079.1-0720-0822.
Meet the DECU Staff
Phil
Meet PhilDECU Blog
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