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Living in Retirement
Move Toward Retirement With Your Goals in Mind
Retirement is a significant milestone in your life and should be carefully planned for. Whether you’re just starting to put money aside for your future or are currently living in retirement, a concrete investment and management plan is essential.
Retirement Planning Must Knows
Building Your Plan
The road to retirement is different for everyone, which is why you need to build a plan that is unique to your situation, lifestyle, and goals. Key points of your plans should include retirement income preparation, Social Security & Medicare review, investment management, and Legacy & Estate Planning Strategies.
Allocating Your Finances
It’s never too early (or too late) to set financial goals but achieving them requires a clear understanding of your personal finances and what services will best support you. Consider getting a professional analysis to help meet your short- and long-term goals. Citadel can provide sound financial guidance and personalized planning services to help you achieve your specific goals.
IRA Rollover**
Rolling over to an Individual Retirement Account can allow you to keep your savings tax-deferred and typically gives you a broader choice of investments. It’s best to have professional help when navigating all the different options for your retirement savings and help reduce any possible tax liability. Our Financial Advisors can help rollover your retirement savings.
Estate Planning & Wealth Transfer
Estate planning and wealth transfer can be a difficult topic to talk about with your family, but it is crucial to have a set plan to ensure a smooth transition when a loved one passes. Conversations on this topic can be tough but they are essential to ensure your wealth and estate is properly transferred with a tax-efficient strategy.
Our CFS* Investment Team
Retirement planning can be overwhelming, but our team of dedicated CFS-registered* investment representatives can help simplify the process. CFS Financial Advisors are knowledgeable in asset management, personalized financial and retirement planning, wealth building strategies, and more. No matter which stage of life you’re in, Citadel CFS Advisors can help move you closer to your financial goals. Members can contact an advisor at any time to schedule a complimentary consultation.
Retirement Plan Strategies & Important Information
Setting a Retirement Goal
Understanding exactly how much you need to save for retirement can be challenging, but setting goals based on income is key in getting started.
Financial Benefits of Retiring in PA
Learn how your credit score is calculated, what factors affect your score, and measures you can take to mitigate drops in scores.
What is the FIRE Movement
Learn the principles of Financial Independence, Retire Early (FIRE) and how you can make the right money moves to retire early.
Citadel Can Help Your Retirement Plan Grow
From building college savings and growing your retirement during working years to financial planning and asset management— retirement planning is an essential part of your financial wellness journey. Remember to check back here regularly for updated information and advice on retirement planning* and if you’re looking for professional help to guide you through the retirement planning process contact a CFS-registered* investment advisor today to schedule a complimentary consultation.
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*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 Citadel, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Citadel has contracted with CFS to make non-deposit investment products and services available to Citadel members. CUSO Financial Services, L.P. (CFS) does not provide tax or legal advice. For such guidance, please consult your tax and/or legal advisor.
**Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA and 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. Before you elect to open an IRA account and engage your investment representative, please review all account statements and disclosure documents related to the IRA and services to be provided under a new relationship and consult with a qualified tax advisor as needed. If transferring an existing retirement plan into an IRA, you should be aware that (i) Those assets will no longer be subject to the protections of ERISA (if applicable) (ii) depending on the investments and services selected for the IRA, you may pay more or less in transaction costs than when the assets are in the Plan, (iii) if you are between the age of 55 and 59 ½, you would lose the ability to potentially take penalty-free withdrawals from the plan, (iv) if you continue working past age 70 ½ and transferred your plan assets to a new employer’s plan, you would not be subject to required minimum distribution and (v) withdrawing assets directly would be subject to federal and applicable state and local taxes and possibly be subject to the IRS penalty of 10% if under age 59 ½.