LifePhase 3

Welcome to LifePhase 3 – Approaching Retirement. At this point, your career is established, your retirement benefits (AmeriCU Retirement Plan and Social Security) are accruing and accumulating, and the time to test your “retirement readiness” has arrived.

Continue to use the checklist to assure you have completed your Retirement Clarity planning-and as always, your 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.