LifePhase 1

Welcome-this is a great first step in your long-term Retirement Clarity.

We recognize that life isn’t ALL about planning for retirement. However, decisions you make at this point in your life will impact your life in retirement.
This is a great time to establish some characteristics that will benefit you over the course of your lifetime, and the generations after you. Time is one of the few parts of life that is truly “unrecoverable”, so you will want to figure out how to use time to your advantage, particularly when it comes to saving and investing for the long-term.
Please take the time to review the attached checklist, and refer back to it often. At the end of the checklist you will find some useful ideas to prepare for the “next LifePhase”.
As always, AmeriCU Capital Management is ready to help.

 

Introduction to the AmeriCU Retirement Plan
This document provides you with an important checklist of issues to consider, as well as planning ideas designed specifically for this phase of your life.

Just Joining AmeriCU? This is a summary of your new Retirement Plan with a detailed description of how the plan works for you, a list of resource, and your responsibility to your retirement & legacy.

Existing Employee? This is a summary of your new Retirement Plan with a detailed description of how the plan works for you, a list of resource, and your responsibility to your retirement & legacy.

AmeriCU Retirement
This document highlights the most common mistakes people make when saving for retirement. This will educate you on investment behaviors your advisor will help you avoid, allowing you to prosper.

This document will breakdown all of the angles of finding your Retirement Clarity Number. It will define risk, show you how much money must grow over 30 years just to keep pace with inflation, & much more.

This document will discuss how Volatility & Risk are similar—and of how, for the long-term investor, they may differ in very important ways. This difference cannot be addressed in a “risk profile” questionnaire-and you need to fully understand the difference between risk and volatility as a part of making long-term investment decisions by consulting this document and your Retirement Clarity Advisor.

This document will help you see past the media’s hysteria inducement and show you the facts about bear markets; including charts, diagrams, and thorough descriptions and explanations of why they are necessary and are not to be feared by an accumulator. It will also address the great myth of market timing . . . Hint: you cannot!

This document provides more information about participant loans, their requirements, advantages and drawbacks. Always consult with your advisor about a plan loan.

The Fund Facts document contains information about all of the non-cash investment options in the plan.

Achieving Retirement Clarity
This document outlines the 6 steps we will take together to develop your plan that will achieve Retirement Clarity.

A list of 8 questions you should read and address annually and what to expect from your Retirement Advisor.

This is an interactive budget sheet that will help you visualize your financial situation, this should be used in conjunction with a retirement review with your advisor.

Retirement Links
This link directs you to Alerus Retirement Solutions (formerly Retirement Alliance) where you can login and view your retirement account.

This link directs you to the U.S. Social Security Administrations Benefits Estimator webpage, where you are able to get an approximate estimate of your future benefits.

This link directs you to the U.S. Social Security Administration’s online retirement application that you can complete in as little as 15 minutes.