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Retirement

Overview

Just Starting Out

Building for the Future

Nearing Retirement

Living in Retirement

Retirement Savings Stage 4: Living in Retirement (ages 50s, 60s, & 70s+)

Congratulations, you’ve made the decision to retire. Or you may be “transitioning” to retirement and you’ll still be working 10 to 20 hours per week. Your biggest tasks now involve generating a “retirement paycheck” that will last your entire life (which keeps ahead of inflation), protecting your nest egg, and preparing to pay for rising health care costs. You’ll need to have a retirement income plan in place and to be able to monitor it and make adjustments when necessary. Make sure this plan allows you to focus on this wonderful stage of life without financial stress.

George and Marcy were headed into their retirement and were concerned their money could run out. Working with their advisor, they structured an income plan that would generate a guaranteed income to meet their basic expenses, while still having enough left over to fund their travel and recreation plans. They can focus on the joys of retirement knowing their “retirement paycheck” arrives on schedule every month and increases each year to keep pace with inflation. They meet with their advisor annually to make sure everything stays on track. They’ve converted George’s term policy to a paid-up whole life plan to pay for final expenses at his death.

Retirement products.	Retirement resources.
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Insurance products are issued by CUNA Mutual Insurance Society. MEMBERS® Mutual Funds and MEMBERS® Variable products are distributed by CUNA Brokerage Services, 2000 Heritage Way, Waverly, IA 50677, Member, FINRA/SIPC.

For more complete information about any of the MEMBERS® Mutual Funds, or Variable products, including charges and expenses, obtain a prospectus from your representative. Read it carefully before you invest or send money. Consider the investment objectives, risks and charges and expenses of the investment carefully before investing. The prospectus contains this and other information about the investment company.

MEMBERS® Mutual Funds and MEMBERS® Variable products are not deposits in, or obligations of, and are not guaranteed by, the credit union or other financial institutions and are not federally insured.

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