Page 7 - MidWeek - Dec 15, 2021

December 15, 2021 MIDWEEK 7
A Solid Retirement
Plan Starts Here
Recent economic challenges have left many families with questions about their financial futures. Many professionals are nearing retirement age, but are unsure if they are adequately prepared.
The CFS financial advisors at Hawaii State Investment Services* are here to help you explore your options and work towards your retirement goals. As a member, you’ll enjoy access to an array of investment choices, planning support and personalized services. We’ll take the mystery out of investment planning and help you create the foundation for a better financial future. Here’s how:
Personalized Plan & Savings Analysis
Your personalized Plan & Savings Analysis will help you set savings goals and establish a long-term strategy to help you reach them. This customized “road map” will illustrate your projected benefits, help calculate the regular savings contributions needed to get there, and recommend a model portfolio that matches your personal investment style and objectives.
Professional Investment Advice
To help you invest your savings wisely, Hawaii State Investment Services offered through CFS offers a collection of professional investment management and advisory services. A diversified choice of investment and annuity options, ongoing mutual fund monitoring and professional portfolio management are designed to help you avoid common investor mistakes that could undermine your long-term success.
Online Retirement Plan Review
You may request a personalized Retirement Plan Review at any time to review and assess the progress of your savings and investment strategy. Included in this account “check-up” is a life stage planning analysis designed
to help determine if it’s time to make adjustments to your regular savings and/or investment allocation based on any changes in your life, career or financial circumstances.
Ongoing Education and Support
A wide variety of ongoing education and support services are available to help
you gain a deeper understanding of the fundamentals of retirement planning and keep you actively involved in the progress of your plan. Webinars, member newsletters, financial market updates, performance updates and a consolidated quarterly account statement are just part of the education and support you’ll enjoy as a member.
Interested in learning more? Please call
our Investments team at (808) 447-7011, or schedule an appointment online with one of our financial advisors today.
Earn up to $100** by consolidating your 401(k) or IRA retirement accounts.***
Contact one of our Financial Advisors or visit
www.HawaiiStateFCU.com/investment-services
Michael Horton, CRPS®
Kaneohe and Salt Lake Branch
(808) 447-7057
Daniel Krase
Alii and Kaimuki Branch
(808) 426-4377
Ross Kumasaki
Kahului, Mililani and Call Center Branch
(808) 791-1179
Sean M. Umetsu, CFP®
Main and Hawaii Kai Branch
(808) 387-3261
Regan S. Yamada
Pearlridge Branch
(808) 426-4406
Kimberly I. Weitzel
Kapolei and Ewa Beach Branch
(808) 447-7075
*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 Hawaii State Federal Credit Union. Hawaii State Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
**Offer valid through December 31, 2020, for members who roll over either a IRA or 401(k) with CFS. Qualifying members will receive $50 for rollovers between $5,000-$49,999.99 and $100 for rollovers of $50,000 or more. Payment will be made to the member’s savings account within 90 days after meeting conditions. Payment subject to 1099 reporting requirements. Must schedule appointment with CFS by December 31, 2020, to receive this offer. Must be 18 or older to participate. CFS reserves the right to provide a raincheck or a substitute of equal or greater value.
***Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.
$100 ROLLOVER REWARD