You go to the doctor to ensure you are in optimal health; why not go to a financial advisor to help ensure your finances are healthy, too?

The Earthmover Investment and Retirement Services program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group.

Consider the following scenarios:

Scenario 1: You’ve worked hard all your life, been careful with your finances, and are now looking forward to retirement.

Scenario 2: You have a general sense of how your investments are performing, but could use some additional guidance.

Scenario 3: You haven’t been much of a saver and you're now playing catch-up.

Each of these scenarios are ideal for consulting with a financial advisor. And no matter what your financial landscape looks like, everyone could benefit from some objective financial perspective.

Financial Advisor, Phil Cruikshank, exclusively serves the credit union's membership through Earthmover Investment & Retirement Services. Phil is here to evaluate your financial situation, offer recommendations, provide investment and insurance options, and help you create a strategic financial plan.

Contact Phil at (217) 872-4136 or phil.cruikshank@cunamutual.com to make a no-cost, no-obligation appointment.

Check the background of Phil or any investment professional on FINRA's BrokerCheck.

* Earthmover Investment and Retirement Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokers Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.

Upcoming Seminars

No cost, no obligation educational seminars.

Social Security and Your Retirement

Presented by: Mike Mason

Tuesday, April 16 at 6:00 p.m. at Richland Community College’s Schilling Community Center (northwest corner of building - use Parking Lot A.)

Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. But many individuals don’t realize there are options to consider when it comes to collecting Social Security. The decisions you make now could help you get more out of your benefits. Are you looking for more information about how to make the most of your Social Security benefits?

Your plans for drawing Social Security are a critical financial decision, and if you know the rules of the road, it can make a big difference in the success of your retirement journey. Whether it’s the timing of starting Social Security, or options for you and your spouse to coordinate your income plans, the path you follow could help you get the most out of your benefits. This seminar will address these issues and answer more of your questions:

  • What are the rules for collecting your Social Security benefits?

  • How can spouses coordinate their benefits and possibly receive more?

  • Are there different routes to take that could potentially increase your benefit amount?

  • How can Social Security fit within your overall retirement income plan?

This no-cost, no-obligation seminar is hosted by Phil Cruikshank, the Earthmover Investment & Retirement Services, Representative at Decatur Credit Union. For more information or to reserve your place, RSVP below, call (217) 872-4137 or email mary.downs@cunamutual.com. Space is limited, so make your reservations today.

MEMBERS Insurance & Investments and MEMBERS are marketing names for the products, services and programs offered by CMFG Life Insurance Company (CMFG Life), MEMBERS Life Insurance Company (MEMBERS Life) and other leading carriers. MEMBERS® is a registered trademark of CMFG Life. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Not NCUA/NCUSIF/FDIC insured, may lose value, no financial institution guarantee. Not a deposit of any financial institution. 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.

Representatives are registered, securities are sold and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA 50677, 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

MGA-840815.3-0217-0319 © CUNA Mutual Group 2017

Income for Life

Presented by: Mike Mason

Thursday, May 23 at 6:00 p.m. at Richland Community College’s Schilling Community Center (northwest corner of building - use Parking Lot A.)

What lies ahead for you? Whatever your retirement goals are, ensuring a steady stream of income during retirement will be an important part of the road ahead. Social security, how to use your 401(k) and other investments are common concerns during retirement income planning. Join us for an informational seminar to address these concerns and learn how the use of annuities could create a guaranteed stream of lifetime income for you.

Help set your financial direction and learn the answers to questions like these:

  • What sources of retirement income will you rely on?

  • What retirement risks do you face now that you’re drawing on your savings?

  • Which income strategies should you consider?

  • How can you use annuities to guarantee an income for life?

This no-cost, no-obligation seminar is hosted by Phil Cruikshank the Earthmover Investment and Retirement Services representative at Decatur Credit Union. For more information or to reserve your place, RSVP below, call (217) 872-4137 or email mary.downs@cunamutual.com. Space is limited, so make your reservations today.

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 nor attorneys. For information regarding your specific tax situation, please consult a tax professional. For legal questions consult your attorney.

Representatives are registered, securities are sold and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA 50677, 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

MGA-1372202(CM).4-1118-1220

© 2018 CUNA Mutual Group

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* Earthmover Investment and Retirement Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokers Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.

FR-2268768.1-1018-1120