The Educator Q3 2016
Transcription
The Educator Q3 2016
Fall 2016 The Educator S u s q u e h a n n a V a l l e y F e d e r a l C r e d i t U n i o n 36 SVFCU News Wednesday, October 19th Conte Wealth Seminar Tax Planning IN THIS ISSUE: SVFCU News President's Message Christmas Pet Contest Employee Spotlight 48 Conte Wealth Corner Annual Meeting RSVP to MaryKate ([email protected]) by Monday, October 17th Member Appreciation Cookout Friday, December 2nd 11:00 a.m. - 2:00 p.m. CLOSINGS: October 10 Columbus Day November 11 Veterans Day November 24 Thanksgiving Pictures with Santa Saturday, December 3rd December 24 Christmas Eve 9:00 a.m. - 11:00 p.m. SVFCU's Camp Hill Branch December 26 Christmas Christmas Pet Contest President's Message Eric Lundvall As you read this, there are only 3 months left in 2016. Hard to imagine that another year is almost over. SVFCU staff will be out and about at plenty of community events these next 3 months. Make plans to attend some of these events with us. Check out our Website, Facebook and Twitter pages for more information. Thank you for making SVFCU your financial partner. The staff and I look forward to serving you, our members! SVFCU's 2nd Christmas Submit a dressed attire for Pet picture in Contest. of festive the your bring gift in or to win Friday, One to e-mail SVFCU November picture per a card! [email protected] picture pet holiday chance PetSmart® Please Annual to your by 25th! member EMPLOYEE SPOTLIGHT Maggie has been with the Credit Union over 30 years! She enjoys spending time with her family (especially her grandkids), hunting, vacationing on the lake & showing her alpacas at competitions. Her farm does not stop with alpacas, she has chickens, ducks and a goose. Conte Weal th Saving is a great start, but planning to reach your financial goals is even better. Provided by Alison Bach, CFP® Corner October is National Financial Planning Month Are you saving for retirement? Great. Are you planning for retirement? That is even better. Planning for your retirement and other longrange financial goals is an essential step – one that could make achieving those goals easier. Saving without investing isn't enough. Since interest rates are so low today, money in a typical savings account barely grows. It may not even grow enough to keep up with inflation, leaving the saver at a longterm financial disadvantage. Very few Americans retire on savings alone. Rather, they invest some of their savings and retire mostly on the accumulated earnings those invested dollars generate over time. Investing without planning usually isn't enough. Most people invest with a general idea of building wealth, particularly for retirement. The problem is that too many of them invest without a plan. They are guessing how much money they will need once they leave work, and that guess may be way off. Some have no idea at all. Growing and retaining wealth takes more than just investing. Along the way, you must plan to manage risk and defer or reduce taxes. A good financial plan – created with the assistance of an experienced financial professional – addresses those priorities while defining your investment approach. It changes over time, to reflect changes in your life and your financial objectives.With a plan, you can set shortterm and longterm goals and benchmarks. You can estimate the amount of money you will likely need to meet retirement, college, and health care expenses. You can plot a way to wind down your business or exit your career with confidence. You can also get a good look at your present financial situation – where you stand in terms of your assets and liabilities, the distance between where you are financially and where you would like to be. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Cambridge and Conte Wealth Advisors, LLC are not affiliated. This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been Ali Bach, CFP® derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are Nathan Imboden unmanaged and are not illustrative of any particular investment. Help us celebrate 2017 Annual Meeting Saturday, April 8th @ 5:00 p.m. RSVP to MaryKate by Saturday, March 25th, 2017 3850 Hartzdale Drive Mission Provide exceptional financial Camp Hill, PA 17011 services by building long-term personal relationships 339 East Park Drive with a small town touch; meeting or Harrisburg, PA 17111 exceeding member expectations. 717.737.4152 Vision 1.800.948.1454 Become the most trusted, Fax 717.737.0589 respected and sought after member-owned financial institution in the tri-county area by providing innovative services. Visit us online!