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Retirement Plans

Whether you are an individual or small business owner, let the Investment Department at North Island Credit Union customize a retirement plan for you.

 
 

Estimate your retirement resources as well as check your savings and IRA options.

We can design a retirement strategy to match your budget, funding requirements and retirement target dates.

  • Maximize the tax advantages
  • Minimize administrative and custodial costs
  • Map out an investment plan based on your risk tolerance and time horizons
  • Afford you flexibility and convenience

We will help guide you through the many complex plan options to make a simple but informed decision. Options include:
 
Traditional IRA
Great for individuals who qualify for a current tax deduction or who anticipate being in a lower tax bracket during retirement. Earnings accumulate on a tax deferred basis.
 
Roth IRA
Ideal for those not requiring an immediate tax deduction. All earnings accumulate tax free. No required minimum distributions during life time.
 
IRA Rollover
When you terminate employment you can elect to have your employer sponsored retirement plan rolled over into an individual IRA that you control.
 
IRA Transfer
You may transfer an existing like kind IRA to another similar IRA. This is typically done to seek better performance or lower costs.

 

Terms & Conditions

Financial Consultants are registered with and securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. North Island Credit Union and the Investment Department at North Island Credit Union are not registered broker dealers, nor are they affiliated with LPL Financial. Representatives are employees of North Island Credit Union and registered through LPL Financial. North Island Credit Union CA Insurance license #0719223.

Not NCUA InsuredNo Credit Union GuaranteeMay Lose Value

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Arizona, California, Colorado, Florida, Georgia, Idaho, Nevada, New Jersey, New York, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington.