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You Invest Wisely

Brokerage and Investment Services

We offer Advisory Services through our broker dealer CFS to individuals who seek comprehensive advice from a licensed Financial Advisor. 1 It’s ideal for the investor that wants the best mix of control, advice and experience with an adviser that understands their objectives. In addition, a self-directed option is available for clients who like to do their own investing online.

We also offer Transactional Services

for members who prefer occasional assistance with their investment needs, CFS 1 Financial Advisors at Educators can assist with one-time transactions. In addition, Financial Advisors have the knowledge to offer unbiased recommendations based on individual client needs and financial situations.

Social Security Analyzer

Educators’ Investment Services, available through CFS, offers our members a complimentary analysis to assist you with your Social Security benefit strategies. Schedule your free, no-obligation Social Security review by calling (800) 236-5898, ext. 7780, or email investmentservices@ecu.com

Investment Retirement Planning

You’ve contributed to your retirement account for 30 or more years and have accumulated a sizable nest egg. Now what?

Deciding what route to take with your retirement savings (401k, 403b, 457, SEP IRA, TSA) is one of the most important decisions you will make in your life.

Speak with one of our CFS Financial Advisors to discover how the products and services we offer differ from some of our competitors. We can help you:

• Project your estimated retirement income
• Give recommendations that may help lower the overall risk of your portfolio
• Discuss strategies on how to properly diversify your investments during retirement
• Assist you with consolidating your assets to make them easier to track and monitor

College Planning

Discover the options available to help maximize your college savings. Meet with one of our CFS Financial Advisors who will help you explore your options for saving for college or for your childrens future.

Average tuition costs increase by about 5% a year. If your earnings increase by 3% per year, your real return is -2% when you factor the increase in costs.

Make sure you have your hard earned dollars invested in the right place to help outpace the rising cost of tuition.

Insurance to Protect What You Own

Find out which policy is best suited to protect your family in the case of a loss or extended illness.

• Term
• Whole-life
• Long-Term Care
• Medicare Supplements
• Universal Life

Portfolio Analysis

You work hard for your money, you want to make sure your money is working hard for you.

Already working with a financial advisor? Something as important as your financial future deserves a second opinion. Schedule an appointment with one of our CFS Financial Advisors to have a detailed portfolio analysis completed.

IRA Options

Traditional IRAs

If you want to save on taxes now, choose a Traditional IRA. If you think you may be in a higher tax bracket now than when you retire, you may be better off contributing to a Traditional IRA.

With a Traditional IRA:

• Earnings accumulate tax-deferred
• Contributions are tax-deductible if you qualify
• Required Minimum Distributions starting at age 70-1/2

If you want to save on taxes when you retire, choose a Roth IRA. If you think you may be in a higher tax bracket during retirement than now, then you may want to consider the Roth IRA.

With a Roth IRA:

• Contributions are allowed at any age
• Qualified distributions are tax-free
• Flexible withdrawal options are available
• No Required Minimum Distribution
• Can withdraw contributions after five years and not trigger any penalties if certain conditions are met

Roth IRA Conversion Option 2

Wisconsin residents of all income levels can convert a traditional IRA (individual retirement account) to a Roth IRA. Our CFS advisors are available to help you decide if a conversion is worth considering.

401k / 403b / 457 Rollovers

We can help you consolidate your assets and rollover your old 401k / TSA / 403b into an IRA when you change jobs.

Did you know that if you leave your 401k with your old employer you may incur additional costs due to the administrative fees 401ks have built in to protect the company? Your investment options are limited inside the plan.

When you rollover your Employer Sponsored Retirement Plan into an IRA your investment options are unlimited, you have greater access to your hard earned money and your flexibility increases.

View Your Investment Accounts Online

Members who have a CFS investment account provided by Investment Services can see their individual investment accounts along with their checking, savings and other Educators accounts.

No special set-up for this service is needed. All investments will automatically be shown on the member’s Account Summary page of Educators Home Banking under the heading Investments at CFS 2 .

Note: Investment service balances are not all updated daily, so exact balances may vary.

To set-up a complimentary initial appointment at our nearest location, please call (262) 884-6688 or (414) 325-2344 or click here to e-mail your request.

1 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. Educators Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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