Retirement Planning

Our Financial planners can educate you about the financial resources available so you can plan for a financially secure retirement. The retirement planning process teaches you how to calculate the amounts necessary for you to meet your personal retirement goals.

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Retirement Planning Distributions/Rollovers
Planning for retirement involves projecting your future needs, identifying your funding resources and developing a savings plan. We will sit down with you and help develop a customized that focus on your needs in retirement—whether you are retired, near retirement or years away. The process we use focuses on your needs and current situation. From your needs, we will create a customized approach to work toward fulfilling your retirement goals. Most individuals rely on three main sources of income during retirement: social security, employer-sponsored plans (401K, VIP, etc), and personal retirement savings, which may include Traditional IRA, Roth IRAs, and annuities.

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Retirement Portfolio Analysis
We can look at your current investments to determine if your holdings match your risk tolerances and investment goals, keep you informed of how your investments are doing and make adjustments as needed. It is important to keep your portfolio balanced and in line with your investment objectives. The correct asset allocation strategy can provide diversification to your portfolio while potentially enhancing returns and lowering your overall risks. Based on your particular risk and return objectives, HFCU Financial Services. can help determine which particular asset classes are appropriate for your portfolio, as well as, the percentage of the portfolio that each class should compose.

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Retirement Income Analysis
We can help you develop strategies relating to which assets should be consumed first during retirement or for estate preservation purposes. We can help you tailor investment programs to produce required levels of income to support your lifestyle, of course, this is dependent on your asset base, lifestyle and prudent risk levels. You may want to consider the tax consequences of producing income from various investments and whether specific investments such as tax-free municipal bonds or other non-traditional investments are right for you.

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Individual and Business Plans
What do you do to protect your IRA plan? Should you move your money from your 401k, 403b, or 457? How will that affect your estate planning? When can you do it? Should you start a (early withdrawal from your IRA)? Is a Roth Conversion appropriate for you? We can help you decide what is right for you by evaluating your situation.

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