Your financial plan for retirement is not a one-time decision. Each year brings changes to your life as well as those people and causes important to you. Use your year-end planning conversation with your financial professional to help ensure your goals and wishes are reflected.

Here are some of the topics your year-end planning should include:

• Was money tight or were you able to save more than you expected? Your answer may determine how to adjust how much you contribute to your retirement plan.
• Did you change jobs?
• Would changing your employee benefits help your long-term strategy?
• Review your taxes. How would contributing more to your retirement plan impact your taxes?
• Review your debt. Is it more important to pay down debt or contribute more to your retirement plan?
• Do you need to add or adjust insurance as a financial strategy?
• Review your estate plan. Help ensure your wishes for heirs and causes are still reflected.

To discuss these and other year-end planning topics with your financial professional, schedule your appointment today.

Reach out to get started.

 

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.

Securities offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC).

Insurance products are offered through LPL or its licensed affiliates. Consumers Credit Union are not registered as a broker-dealer. Registered representatives of LPL offer products and services using Consumers Credit Union, and may also be employees of Consumers Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Consumers Credit Union. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

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

The LPL Financial registered representatives associated 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.