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Announcements Financial Planning & Retirement News Seminars

Income for Life: Guaranteeing retirement income to last a lifetime – Virtual Seminar

Income for Life: Guaranteeing retirement income to last a lifetime

Virtual Seminar

January 27th at 6PM

You have retirement goals and plans for your future. Without a regular paycheck to count on, achieving a steady stream of retirement income will be an important part of the road ahead. Will Social Security be enough? What about your 401(k)?

Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation:

Join us for an informational session that can help you set your financial direction and answer more of your questions:

  • What sources of retirement income will you rely on?
  • What retirement risks do you face now that you’re drawing on their savings?
  • Which income strategies should you consider?
  • How can you use annuities to guarantee income for life?

Click here to reserve your place at this upcoming seminar. 

You are welcome to bring a guest, but space is limited so please make your reservations today. Contact your CorePlus Wealth Management representative, Holland Rajaniemi at (860) 885-3680, or email at [email protected] with any questions.

Holland Rajaniemi
CorePlus Wealth Management Advisor
CorePlus Credit Union

202 Salem Turnpike
Norwich, CT, 06360

 

 

 

 

 

If you do not wish to receive marketing-related material from CUNA Mutual Group at this email address, please send a reply message to this email with “remove” in the subject line. The sender will contact you to ensure we comply with your wishes. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.  Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers. Representatives are not tax advisors or Social Security experts. For information regarding your specific tax situation, please consult a tax professional. To discuss your specific Social Security benefits, please contact the Social Security Administration office in your area.

MGA-1866660(CM).2-0119-0221                                 

 If you do not wish to receive marketing-related material from CUNA Mutual Group at this email address, please send a reply message to this email with “remove” in the subject line. The sender will contact you to ensure we comply with your wishes.

All guarantees are backed by the claims-paying ability of the issuer. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers. Not NCUA/NCUSIF/FDIC insured, may lose value, no financial institution guarantee. Not a deposit of any financial institution.

Financial advisors are not tax advisors, attorneys or Social Security experts. For information regarding your specific tax situation, please consult a tax professional. For legal questions consult your attorney. For questions about Social Security, please contact your local Social Security Administration office. Variable annuities are sold by prospectus only. You can obtain a prospectus by contacting your financial advisor or the insurance company. Read it carefully.

MGA-1372208(CM).3-0918-1020                                                                      © 2018 CUNA Mutual Group

Categories
Announcements News Seminars

Social Security and Your Retirement Virtual Seminar January 20 at 6PM

Happy old retired couple paying domestic bills online using computer app, satisfied bank clients senior middle aged grandparents holding papers make loan insurance payment at home on laptop on sofa

Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. But do you know the rules of the road when it comes to Social Security? Determining when to begin benefits could be one of the biggest financial decisions you face, and there are key issues to consider. Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation:

 During the seminar, you’ll find out more about your Social Security benefits and discuss the role they play when setting a clear direction for your financial future. You’ll learn the answers to your Social Security questions, including:

  • What are the rules for starting your Social Security benefits?
  • How do spouses coordinate their benefits?
  • Are there different routes to take that could potentially increase your benefits?
  • How do you decide where Social Security fits within your retirement plans?

Click here to reserve your place at this upcoming seminar.

You are welcome to bring a guest, but space is limited so please make your reservations today. Contact your CorePlus Wealth Management representative, Holland Rajaniemi at (860) 885-3680, or email at [email protected] with any questions.

Holland Rajaniemi

CorePlus Wealth Management Advisor

CorePlus Credit Union

202 Salem Turnpike
Norwich, CT, 06360

 

 

 

 

 

If you do not wish to receive marketing-related material from CUNA Mutual Group at this email address, please send a reply message to this email with “remove” in the subject line. The sender will contact you to ensure we comply with your wishes. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.  Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers. Representatives are not tax advisors or Social Security experts. For information regarding your specific tax situation, please consult a tax professional. To discuss your specific Social Security benefits, please contact the Social Security Administration office in your area.
MGA-1866660(CM).2-0119-0221   
© 2018 CUNA Mutual Group

Categories
Announcements News Seminars Uncategorized

Mortgage Refinancing Seminar Wednesday February 3 at 6pm or Saturday February 6 at 9am

Couple at home websurfing on internet

NOW is the time to REFINANCE! Mortgage rates are at an all-time low! Join our FREE online Zoom seminar and have all of your refinancing questions answered, while you learn from

CPCU’s Home Loan Specialist, Susan Dombrowski. See if refinancing your home loan makes sense for you.

•     Lower your rate and save money each month.

•     Shorten your term and be mortgage free faster.

•     Get the cash you need for renovations, debt payoff, or anything you choose!

CPCU has many options available, one size does not fit all. We will help you choose the loan that is right for you. Questions are welcomed! The seminar will last one hour. If you have attended this seminar before, you are welcome to join us again. Each session is tailored to the participants so you can learn something new every time.

To register email Elizabeth Zachow [email protected] with the date and time most convenient for you. The seminar will take place through Zoom and attendees will be emailed a secure link after registering.

 

 

 

Susan Dombrowski

Home Loan Specialist

NMLS #1835648

 

 

 

Categories
News

2021 Key Numbers

Tax, retirement, estate, and educational planning are all essential components to wealth management. The 2021 Key Numbers are a handy reference that provide a high-level overview of key financial data you’ll need for 2021.

To discuss your 2021 financial plans, Holland Rajaniemi , CorePlus Wealth Management Advisor, may be reached at 860-885-3680 or [email protected]

Click here to learn more.

Categories
News Uncategorized

Annuities and Retirement Planning

You may have heard that IRAs and employer-sponsored plans [e.g., 401(k)s] are the best ways to invest for retirement. That’s true for many people, but what if you’ve maxed out your contributions to those accounts and want to save more? An annuity may be an appropriate investment to look into.

It pays to shop around for the right annuity. In fact, doing a little homework could save you hundreds of dollars a year or more.

Let us do the work for you.

Holland Rajaniemi , CorePlus Wealth Management Advisor, may be reached at 860-885-3680 or [email protected]

Categories
News

IRS Clarifies COVID-19 Relief Measures for Retirement Savers

A Couple on the couch looking worried as tFamily Financial Crisis Concept. Depressed Black Couple Looking At Invoice, Not Able To Pay Huge Bills, Suffering From Coronacrisis At Home

The Coronavirus Aid, Relief, and Economic Security (CARES) Act passed in March 2020 ushered in

several measures designed to help IRA and retirement plan account holders cope with financial fallout from

the virus. The rules were welcome relief to many people, but left questions about the details unanswered.

In late June, the IRS released Notices 2020-50 and 2020-51, which shed light on these outstanding issues.

 

Call us today to secure your financial future.

Holland Rajaniemi may be reached at 860-885-3680 or [email protected]

Categories
News

Evaluating an Early Retirement Offer

In today’s corporate environment, cost cutting, restructuring, and downsizing are the norm, and many employers are offering their employees early retirement packages. But how do you know if the seemingly attractive offer you’ve received is a good one? By evaluating it carefully to make sure that the offer fits your needs.

With the help of our Wealth Management Team you can ensure that you will be making the best decision for you and your family when reviewing your early retirement offer.

Call us today.

Holland Rajaniemi may be reached at 860-885-3680 or [email protected]

Click here to learn more.

Categories
News Seminars

Tiger Home Inspections Seminar

Whether you are buying or selling a home, you will not want to miss our virtual seminar, “What To Expect When We’re Inspecting” led by Sue Fasciani from Tiger Home Inspections and Susan M. Dombrowski, CorePlus Home Loan Specialist NMLS #1835648

 
Susan D-1

You can expect to learn:

  • What questions to ask when scheduling
  • What to know about your inspector and inspection company
  • What will happen during the inspection

 

Plus all attendees will receive a $25 off services coupon for a home inspection from Tiger Home Inspections and  will be entered to win a $25 Dunkin Donuts gift card.

 

To register email Elizabeth Zachow [email protected] with the date and time most convenient for you:

Wednesday August 12th, 6:00pm to 7:30pm

The seminar will take place through Zoom and attendees will be emailed a secure link

after registering.

Categories
Announcements News

Shred Days!

Shred Days

CorePlus Credit Union announces an upcoming Shred Days in Eastern Connecticut. These FREE events are held in partnership with Infoshred as a way to protect individuals from identity theft, a growing concern. People may bring personal documents, financial records, credit card statements, insurance forms, canceled checks, bank statements and tax preparation worksheets to be shredded. You can actually watch your items being shredded on-site! 

  • Saturday, July 18, 9am to noon at CorePlus, 67 Lathrop Rd., Plainfield
  • Saturday, September 12th, 9am to noon at CorePlus, 202 Salem Turnpike, Norwich
  • Saturday, October 10, 9am to noon at CorePlus, 40 Boston Post Rd, Waterford
  • FREE Personal Shredder Give-Away!

These events are FREE and open to the public. To serve as many people as possible, please limit your volume to 3 boxes. Visitors are invited to stop into the lobby to enter a drawing for a personal sized home shredder.

On-Site Shredding, or Mobile Destruction, is for people who prefer their material be shredded prior to being removed from their facility. Infoshred is the only vendor in New England to be certified by NAID for secure On-site Document Destruction.

Infoshred offers confidential document shredding in Connecticut, Massachusetts, and Rhode Island.

NCUA

Categories
News

Roth IRA Conversion in the Era of COVID-19

Young Man with Glasses looking at Tablet while sitting

Provided by Holland Rajaniemi

The COVID-19 pandemic has shaken up nearly every aspect of American life. To say it’s been a difficult time would be an understatement.

However, difficult times may open doors to new possibilities. Businesses are changing their ways of operating, and individuals are exploring new avenues for investment. It may be time for you to consider some opportunities, as well.

Before you go Roth, it’s important to involve your trusted financial professional. Our Wealth Management Team is here to answer any questions you may have about a Roth Conversion.

Holland Rajaniemi may be reached at 860-885-3680 or [email protected]