Redstone Federal Credit Union

R E D S T O N E B R O K E R A G E S E RV I C E S 1) Max out contributions Review your employer's 401(k) policies, and if you are not taking full advantage of any matching employer contributions, you should. •is move can help build your retirement and can also help with your taxes (make sure to check with your tax advisor for details)! 2) Prepare charitable donations Did you know there are certain investments that can affect your yearly charitable deduction? •ese funds, set up by charities, help manage larger donations, grants and such. Get in touch with your financial advisor to discuss these "donor-advised funds." Don't have an advisor? Call Redstone Brokerage Services at 256-722-8351 for your complimentary consultation today. 10 | r e d f c u.o r g Securities offered through LPL Financial, member FINR A/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Redstone Federal Credit Union deposits and are not NCUA insured. These products are not obligations of Redstone Federal Credit Union and are not endorsed, recommended, or guaranteed by Redstone Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. The investment products are being offered by an employee of Redstone Federal Credit Union, who is also a registered representative of and sells products on behalf of LPL Financial. Redstone Federal Credit Union and Redstone Brokerage Services are not registered broker/dealers. LPL is a separate entit y from, and not affiliated with, Redstone Federal Credit Union or Redstone Brokerage Services. RFCU does not warrant, guarantee, or insure any product or service offered by LPL or Redstone Brokerage Services. Redstone Brokerage Services and RFCU do not provide tax advice. Please consult your tax advisor for your specific questions. Not NCUA Insured Not Credit Union Guaranteed May Lose Value Ready to close out 2018 in fine financial form? Consider these top-rated tips for making your best end-of-year money moves. End-of-Year Money Moves 3) Review accounts for prot and loss With the ups and downs of the stock market, it is a good idea to see if you will have any capital gains at the end of each year. And if you do, you might be able to offset the money made there with losses from other investments. Having an advisor review these accounts will help get your finances in order for the tax season. 4) Check in with your advisor A good financial advisor is a great asset to your financial portfolio. Have your advisor review your investment accounts and let them know of any changes in your family or work status. •ey can then recommend year- end strategies made just for you! 5) Goals assessment and planning As you prepare for the new year, review your financial goals. Did you make the progress you needed in 2018? What adjustments can you make to achieve those goals? Make these moves before the end of the year, and your money will be primed for the start of a fantastic 2019.

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