Tips & Advice

Stop Ignoring the 5 Critical Areas that Impact your Financial Future

Presented by the Financial Advisors at Apple Financial Services LLC, through CFS*

If you don't have a financial plan that addresses all of these issues you may be leaving parts of your financial future open to question. Why risk that?

Retirement Income Planning - determine how much to withdraw and the order of accounts to withdraw from, select investment options for your 401(k) or 403(b) savings and plan a strategy so that your retirement income and assets last a lifetime.

Protection - review and analyze your current financial position and risk management to make sure that your plan can withstand the unexpected. 

Estate Planning - seek guidance to help you get your financial affairs in order, review your assets for proper ownership and beneficiaries and manage the financial impact of lifestyle changes like death, divorce, disability and health.

Taxes - maximize what you earn by minimizing what you owe, implement tax strategies, and consult and coordinate with your tax preparer.

Investments - focus on the growth and management of your portfolio, monitor investment performance compared to investments in the same class, and actively manage and re-balance your portfolio to help reduce risk.

Now is a great time to get a thorough and comprehensive wealth management plan to address these key critical areas. It may help you live more confidently, enjoy more of life and further your legacy.

If you've been meaning to save more for the future, but aren't sure how to begin, don't panic. Enjoy a no cost, no obligation financial consultation with an Apple Financial Services Financial Advisor through CFS.*

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer, (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Apple FCU has contracted with CFS to make non-deposit investment products and services available to credit union members. Apple Financial Services LLC is a subsidiary of Apple FCU and is not directly affiliated with CFS.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.