Wealth Management Resources


Investments and Retirement Planning

5 Keys to Investing for Retirement (PDF)
Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules may help you make smarter choices regardless of whether you have some investing experience or are just getting started.

Converting Savings to Retirement Income (PDF)
During your working years, you've probably set aside funds in retirement accounts such as IRAs, 401ks, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income stream that will provide adequate income throughout your retirement years.

Saving for Retirement (PDF)
Although most of us recognize the importance of sound retirement planning, few of us embrace the nitty-gritty work involved. With thousands of investment possibilities, complex rules governing retirement plans, and so on, most people don't even know where to begin. Here are some suggestions to help you get started.

Staying on Track with Your Retirement Investments (PDF)
Investing for your retirement is about having a game plan that you can live with over a long time. Investing for your retirement over the long term takes a little knowledge and discipline. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, there are ways to help yourself build for a comfortable retirement.


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Financial Planning

Financial Planning: Helping You See the Big Picture (PDF)
Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached.



Changing Jobs

401(k) plans (PDF)
Qualified cash or deferred arrangements (CODAs) permitted under Section 401(k) of the Internal Revenue Code, commonly referred to as "401(k) plans," have become one of the most popular types of employer-sponsored retirement plans.

All about IRAs (PDF)
An individual retirement arrangement (IRA) is a personal retirement savings plan that offers specific tax benefits. In fact, IRAs are one of the most powerful retirement savings tools available to you. Even if you're contributing to a 401(k) or other plan at work, you should also consider investing in an IRA.

Rollovers (PDF)
In general, a rollover is the movement of funds from one retirement savings vehicle to another. You may want, or need, to make a rollover for any number of reasons. Your employment situation has changed, you want to switch benefits, or you've received death benefits from your spouse's retirement plan. 

Life and Long Term Care Insurance

5 Questions about Long-Term Care (PDF)
Get the answers you need about long-term care options and why it is important to plan.

Guard Your Loved Ones with Life Insurance
Life insurance helps to guard your family. Find out how it can help you keep your loved ones relatively secure, along with the types of policies available.



Saving for College

Financial Aid 101 (PDF)
Many parents pay for college with a combination of savings and financial aid. By learning the basics, you'll be able to understand how the financial aid process works, properly fill out aid applications, and compare the aid awards your child may receive.

Saving for College (PDF)
Many families finance a college education with help from student loans and other types of financial aid such as grants and work-study, private loans, current income, gifts from grandparents, and other creative cost-cutting measures. But savings are the cornerstone of any successful college financing plan.

Trusts and Estate Planning

Key Estate Planning Documents You Need (PDF)
There are five estate planning documents you may need, regardless of your age, health, or wealth.

Leaving a Legacy (PDF)
You've worked hard over the years to accumulate assets, and you probably find it comforting to know that after your death the assets you leave behind will continue to be a source of support for your family, friends, and the causes that are important to you. But to ensure that your legacy reaches your heirs as you intend, you must make the proper arrangements now.

Trust Basics (PDF)

Whether you're seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility--many types of trusts exist, each designed for a specific purpose.

Contact one of our CFS* Financial Advisors today:





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. (Elevations Credit Union OR “The credit union”) has contracted with CFS to make non-deposit investment products and services available to credit union members.

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*If your assets are held directly at a mutual fund or annuity company, you may not be able to view your account information online at Members Portfolio View. Currently, not all mutual fund or annuity companies are participating in our online account service. New participants will be added periodically, so check with your representative for updates.