DESTINATION ASSURED CONTACT US. Products for Life

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1 DESTINATION ASSURED CONTACT US For more information abot any of the services in this brochre, call , visit or website at or stop by the branch nearest yo. LR-2011 Federally insred by NCUA. Prodcts for Life

2 savings checking investment and insrance People like yo, who work hard all their lives, dream of a comfortable and secre 1 retirement. Planning for retirement, however, isn t as simple as it once was. With fewer employers offering comprehensive pension plans and people living longer than ever, yo ll need a sond retirement strategy that assres yo ll have enogh income to last anywhere from 20 to 40 years. Whether yor retirement is jst arond the corner or decades away, Montain America can help yo easily constrct a solid plan so yo can retire comfortably.

3 savings checking investment and insrance 2Montain America Credit Union savings bilding yor nest egg Many people jst don t save enogh for retirement. In fact, almost half of all workers saving for retirement report total savings and investments (not inclding the vale of their primary residence or any defined benefit plans) of less than 3 $25,000, according to the Employee Benefit Research Institte. A more practical figre to aim for wold be at least 70% 90% of yor crrent annal income for each year of retirement, according to most retirement advisors. Anything less and yo may have to compromise yor crrent qality of life. Keep in mind, the more yo accmlate before retirement, the less yo ll need to worry abot working after yo retire. Montain America offers a variety of savings options with competitive rates to help yo bild the retirement yo desire.

4 savings checking investment and insrance 4 Montain America Credit Union Traditional Savings Acconts As the cornerstone of yor financial package, a savings accont allows yo to keep yor money in a safe place while it earns interest. Competitive interest rate paid Interest componded and paid monthly by Montain America Easy access to yor money Open secondary savings acconts for planned expenses like vacations, holidays and gifts Money Market Acconts As with Term Deposits, Money Market acconts allow yo to grow yor savings at interest rates higher than those offered with traditional savings acconts. Bt what really sets Money Market acconts apart is the ability to make deposits and withdrawals anytime yo want. Unlimited access to yor fnds Competitive interest rates MyStyle Checking my checking, my rewards Forget abot one-size-fits all checking acconts. Montain America has a better way. Now yo can create a checking accont that fits yor lifestyle. MyStyle gives yo the freedom to choose the featres yo se most and then adds the rewards yo choose. Yor new Montain America checking accont is a branch visit or phone call ( ) away. 5 Term Deposits Watch yor savings grow with a Term Deposit from Montain America. We offer flexible terms at competitive rates so yor savings can bild p faster than in a traditional savings accont. Interest paid monthly Higher balances earn higher interest rates Cstomize yor accont with: Msic downloads. Cash gifts. Loan disconts. Credit monitoring. Higher dividends than other savings vehicles Terms from 6 months to 5 years Competitive rates Open yor Term Deposit or Money Market today. Visit yor nearest branch, call or go to or website, I.D. protection. Interest-earning options. And mch more.

5 savings checking investment and insrance investment and retirement planning making yor money work for yo 6Montain America Credit Union Crrently, there is a distrbing trend in : many workers are conting on benefits that may not be there. In fact, only 41 percent of workers indicate they or their spose crrently have a defined benefit pension plan, yet 62 percent say they make sre yor money goes to work for yo, giving yo a steady stream of income to help yo cover yor retirement expenses. LPL Financial Services, Montain America s broker/dealer, can help yo invest the right way. Invest- 7 are expecting to receive income ment representatives are available from sch a plan in retirement, to meet with yo at any Montain according to the Employee Benefit America branch. Jst setp an Research Institte. appointment, and they ll help draft a retirement plan that s With fewer and fewer companies best for yo and yor lifestyle. offering pension plans, it s more important than ever to take control IRAs of yor retirement and yor ftre. Get better growth potential and The best strategy for long-term tax advantages with an Individal investing is to diversify. One of the Arrangement (IRA) best and most poplar ways to do accont. IRA acconts provide that is to invest a portion of yor tax advantages for retirement earnings. By investing, yo can savings, and they re cstomizable

6 savings checking investment and insrance 8Montain America Credit Union so yo can make them fit yor sitation. IRA investment options inclde mtal fnds, stocks, bonds and term deposits. The two most common acconts are Traditional IRAs and Roth IRAs, and each offers different tax advantages. Traditional IRAs taxes on any earnings are deferred ntil yo withdraw fnds from the accont letting yor investments compond faster. To set p or make contribtions to a Traditional IRA, yo mst not have reached age 70½ by the end of the year. Yo mst start taking the minimm distribtion on April 1 of the year after yo trn 70½. Roth IRAs contribtions are made with after-tax income, have 401(k) Rollovers Part of the retirement process is deciding what to do with yor 401(k) or other employer-sponsored plan. Many employers allow retiring employees to keep their 401(k) with the company, bt that means the company controls where yor money can be invested. Yo can take control and bild for retirement yor way by rolling over yor 401(k) into an IRA with LPL Financial Services available at Montain America. We ll provide yo with hands-on help so yor assets are allocated, diversified and invested the way yo want, not the way yor former employer decides. Small Bsiness Plans If yo re a small-bsiness owner, If yo have employees, yo can also help them bild for their retirements. We have a variety of employer-sponsored retirement plans that will help keep yor employees happy and prodctive. Other Investments In addition to personalized service, investment tracking and sond financial gidance from flly licensed, registered representatives, LPL Financial Services also offers a wide array of investment options, inclding: Stocks & Bonds. Mtal Fnds. Fixed & Variable Annities. Asset Accmlation & Allocation. * Pt yor money to work so yo ll have enogh income to comfortably last yo all the way throgh retirement. Call s today at or toll-free at to set p yor FREE consltation. For more information, visit or website, 9 tax-deferred growth potential and withdrawals are sally tax free saving yo tax dollars on the accmlated earnings. There are no age restrictions associated with setp, is entirely in yor hands. After all, no one else is looking ot for yo, which means it s absoltely crcial to look ot for yorself. We can help yo lay ot Real Estate Investment Trsts. * Restrictions, penalties and taxes may apply. Unless certain criteria is met, Roth IRA owners mst be 59½ or older and have held the IRA for 5 years before tax-free withdrawals are permitted. contribtions or distribtions.* the best retirement plan for meeting yor needs. Not credit nion deposits Secrities offered throgh LPL Financial, member FINRA/SIPC. Insrance* prodcts offered throgh LPL Financial or its licensed affiliates. Not insred by the NCUA or any federal government agency Not obligations of or garanteed by a bank, credit nion or LPL Financial May lose vale *Insrance prodcts may also be offered throgh Montain America Insrance Services, LLC.

7 savings checking investment and insrance the mortgage that pays yo 10 Montain America Credit Union Many older Americans are trning to to spplement Social Secrity, meet nexpected medical expenses, make home improvements and pay for other expenses. Reverse allow them to convert part of their home s eqity into cash withot having to sell their homes or take on the additional monthly bills Finance yor grandchildren s edcation or even yor own Anything yo want. Yo can also receive the money in any nmber of ways, inclding: A lmp sm. Reglar monthly payments. 11 they d have with a home eqity A line of credit. line of credit. A combination of the three. There s virtally no limit to what yo can do with yor Montain America mortgage The only reqirements are that yo have eqity in yor home, yo are at least 62 years old and yo live in Travel or take a dream vacation the hose. By a boat, RV or smmer home Renovate for handicap access Get top-qality, long-term healthcare Pay off debts or taxes Contact yor mortgage specialist at or visit or website,

8 savings checking investment and insrance insrance protecting yor family, home and health 12 As we grow older, insrance protection becomes more and more ily is properly cared for and life will contine to rn on corse in 13 Montain America Credit Union important. Being properly insred, however, is more than jst protecting yor health and assets; it s also protecting yor financial secrity. An nexpected twist cold tragically change yor financial otlook and yor life. That s why the best strategy is to expect the nexpected. the event of nforeseen tragedy. Bt yo may not realize that term life insrance is an affordable alternative to the steep rates that come with a permanent (or whole) life insrance policy. With term life insrance from Montain America Insrance Right now, as yo re planning for Services, yo ll have peace of retirement, is a perfect time to mind knowing that yor family evalate and pdate yor insr- is covered withot breaking yor ance coverage. Take a few mintes bdget. Term life insrance is: with a Montain America Insrance Services representative and make sre yo and yor family are Affordable save hndreds of dollars every year. completely covered. Cstomizable pick the coverage Term Life Insrance amont and term length. Yo probably already nderstand Versatile choose a term to ensre the importance of life insrance: yor child s college edcation and yo want to ensre that yor fam- yor mortgage are covered.

9 savings checking investment and insrance 14 Montain America Credit Union Homeowners Insrance If yo own a home, chances are it s yor single most valable asset. That s why protecting it is so important, especially leading p to and dring retirement. After all, yo ll want to ensre yo have a comfortable place to live. Homeowners insrance provides financial protection against disasters. A standard policy covers both damage to yor property and yor liability or legal responsibility for any injries and property damage yo or members of yor family case to other people. This even incldes damage cased by hosehold pets. Damage cased by most disasters is covered bt there are exceptions. Yo mst by separate policies for flood and earthqake coverage. Maintenance-related problems are yor responsibility. Steps to bying a homeowners insrance policy: q Determine how mch it wold cost to replace the contents in yor home. w Make an inventory and take photographs of yor personal possessions. e Sit down with a Montain America Insrance Services representative. r Choose the policies that fit yor sitation. Long-Term Care Insrance While remaining comfortably in yor home for the dration of yor retirement is ideal, the trth of the matter is that more than 40% of all senior adlts over the age of 65 will enter a nrsing home dring their lifetime. Unfortnately, many of these senior adlts aren t prepared to protect themselves against the expenses associated with a prolonged illness that reqires special care. In fact, only one-third of retirees report they have long-term care insrance to help pay for care they might need in a nrsing home, assisted living facility or at home. Becase we want to help yo reach yor retirement goals, we sggest yo consider long-term care insrance to safegard yor assets and protect yor financial stability. Long-term care insrance may be right for yo, if yo: Have assets that yo want to help protect and preserve. Want the freedom to choose the qality and location of care yo receive. Want to know that yor family cold be spared from the high cost of an extended nrsing home stay. Do not want yor care to be a hardship on yor loved ones. Ensre Yor Insrance is Up-to-Date Yor life and everything in it can change withot warning. Make certain yor insrance policies are pdated on a reglar basis. We recommend reviewing yor policies with an insrance expert at least once a year to garantee all yor bases are covered. Schedle yor FREE consltation today. Call Montain America Insrance Services at or tollfree at Insrance prodcts offered by Montain America Insrance Services, LLC, are not a deposit, not an obligation of or garanteed by any credit nion, not insred by the NCUA, and in the case of life insrance, may go down in vale. Prchasing of insrance prodcts will not affect the extension of credit in any way. 15

10 16 Montain America Credit Union

11 notes

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