Even if you’ve just started your first job it’s never too early to start setting money aside for
your future and retirement. But just how much do you set aside? And what if you’ve already
been saving—have you saved enough?
Retirement objectives:
1) Determine your income needs and calculate any additional savings required to meet
your goal.
2) Review your investment, asset allocation, and
savings options.
3) Estimate the probability of achieving your goal.
The first step in your retirement planning is to construct a portfolio that may provide you
with the return you want on your investment without exposing you to more risk than you
can live with comfortably. Meet with one of our Financial Advisors*, available through
CUSO Financial Services, L.P. (CFS), our broker dealer, and recalculate your ability to
meet your goal based on
a diversified asset allocation mix consistent with your risk
profile.
Take advantage of this complimentary financial planning consultation and receive your
Patelco Retirement Savings Plan,
a personalized guide to preserving, protecting, and
growing
your assets.
1. Know your retirement needs.
2. Know your Social Security benefits.
3. Learn about your pension plan.
4. Contribute to a 401(k).
5. Create a practical budget.
6. Put money into an IRA.
7. Don’t touch your savings.
8. Start saving now.
9. Know investment principles.
10. Ask questions.
*Investment products and services offered through CUSO Financial Services, L.P. (CFS), are not insured by American
Share Insurance (ASI) (the Credit Union’s private share insurer), are not NCUA/NCUSIF insured, are not Credit Union
guaranteed, and may lose value. Financial Advisors are employees of Patelco Credit Union and registered through
CFS. Patelco Credit Union is in partnership with CFS. Member NASD/SIPC.
