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Retirement Planning

Retirement Planning

Whether you are an individual or small business owner, let the Investment Department at North Island Credit Union customize a retirement plan for you. Our CFS* Financial Advisors can design a retirement strategy to match your budget, funding requirements and retirement target dates.
• Manage 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 IRA to another similar IRA. This is typically done to seek lower costs and consolidate assets.
Contact a financial advisor in your area for a no-obligation consultation.

Terms & Conditions
*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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Not NCUA Insured or Otherwise Federally Insured Not Guarantees or Obligations of the Credit Union May Involve Investment Risk, May Lose Value
The CFS 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, Hawaii, Idaho, Maryland, Nevada, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington.