THE GOLDEN YEARS

The Golden Years

You’ve made it to retirement—congratulations! Now it’s time to shift from saving for the future to making your money work for you today. With a little planning, you can enjoy the retirement you’ve earned while keeping your finances strong.

First things first
With all the changes that come with retirement, it’s a good time for a fresh look at what’s coming in and what’s going out. Your income might now include Social Security, retirement account withdrawals, a pension, or part-time work. Balancing that with your monthly spending—housing, healthcare, travel, even spoiling the grandkids—helps you stay in control and avoid surprises.

Be strategic
Next, make a plan for how you will draw from your savings. Which accounts you tap into first (and how much you withdraw) can impact your taxes and how long your money lasts. A steady, well-paced plan keeps your funds healthy for the long haul. Your financial advisor can help you tailor your personal strategy.

Stay connected
Don’t forget: retirement doesn’t mean you stop planning. Review your budget regularly, watch for changes in expenses (or your priorities), and stay flexible. Life happens—and having a cushion gives you peace of mind when it does.

And remember, your credit union is still in your corner. We’re here with tools, support, and advice to help you protect what you’ve built and enjoy the freedom you worked so hard for.

Protect what you've built.

• Monitor what's coming in and what's going out.
• Develop a personal strategy for saving and spending.
• Life happens; having a cushion is essential for peace of mind.
• Stay curious and ask questions - we're always in your corner, and always here to help.