Plan Today, Protect Tomorrow
March is a great time to check in on your future.
Retirement may feel far away. Estate planning may feel uncomfortable. But both are powerful ways to protect the life you’re building and the people you love.
This month, we’re focusing on two simple ways to plan ahead:
- Retirement planning with Traditional and Roth IRAs
- Estate planning through our partnership with Gentreo
Let’s break it down.
1. Retirement Planning with IRAs
An Individual Retirement Account (IRA) helps you save for retirement with potential tax advantages. It can complement your workplace plan — or serve as your main retirement savings tool.
Traditional vs. Roth: What’s the difference?
Traditional IRA:
- Potential tax break now
- Taxes paid when you withdraw in retirement
- Good option if you expect to be in a lower tax bracket later
Roth IRA:
- Contributions are made with after-tax money
- Qualified withdrawals are tax-free in retirement
- Great option if you expect your income to grow over time
Not sure which is right for you? We’re happy to walk through the basics with you.
Simple IRA steps you can take this month:
- Set up a small automatic monthly contribution
- Review old retirement accounts from previous jobs
- Update your beneficiaries (this one’s huge and often overlooked)
Small steps today can make a meaningful difference later.
2. Protect Your Loved Ones with Estate Planning
Estate planning isn’t just for the wealthy. It’s for anyone who wants to make life easier for the people they care about.
A solid plan answers questions like:
- Who makes medical decisions if I can’t?
- Who manages my finances if I’m unable?
- What happens to my children?
- How are my assets distributed?
Without a plan, those decisions may be left to the courts.
Our Partnership with Gentreo
We’ve partnered with Gentreo to offer members a discounted, guided way to create essential estate documents online, including:
- Wills
- Powers of Attorney
- Health Care Proxies
- Living Trusts
You can also watch a free estate planning webinar featuring Attorney Mary Kate D’Souza to learn the basics and understand why this matters.
Ready to Take Action?
Whether you’re focused on retirement, protecting your family, or both — we’re here to help.
- Learn about Traditional & Roth IRAs
- Explore Gentreo member savings
- Watch the estate planning webinar
Call us at 1.800.281.5435, stop by a branch or click on any of these links to get started. Because planning ahead isn’t just about money. It’s about peace of mind.