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

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?

August 25, 2020 at 6:00pm Central time

Reserve your virtual seat. Space is limited, so make your reservations today. And give Phil a call at 217.872.4136 with any questions about the virtual seminar, or 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.

CBSI, FR-3134229.1-0620-0722 Social Security and Retirement Seminar

Women and Investing

There’s no denying the facts: Women tend to earn less and live longer than men. If you’re a woman who would like to retire one day, you may need to save more and invest more than men. Here’s an opportunity to attend a valuable, virtual seminar on this important topic.

Women and Investing: Steering toward retirement

The virtual seminar will focus on taking control of your future through investing. You’ll also learn about:

  • Key investment principles every woman should know
  • Important opportunities like asset allocation
  • Understanding investor behavior
  • Differences between financial products like mutual funds and annuities

September 8, 2020 at 6:00pm Central Time

Reserve your virtual seat. Space is limited, so make your reservations today. And give Phil a call at 217.872.4136 with any questions about the virtual seminar, or 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.

CBSI, FR-3134240.1-0620-0722 Women and Investing

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.

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