Redstone Federal Credit Union

Investment opportunities shi, market rates change, technology keeps advancing – the retirement investment strategies that worked a few decades ago may not help retirees thrive today. So, what are the preferred methods in today's environment? "Certificates were an important tool for many retirees before the Great Recession of 2008," says Barnard Montgomery, an LPL Financial Advisor with Redstone Brokerage Services. "at Recession taught us that retirees may need to be more diligent and diversified in their efforts to prosper." Montgomery shares information on retirement planning during a free seminar titled 21st Century Retirement, held at Huntsville's Wynn Drive campus each year. One of his key points is to be diligent in eliminating debt as you prepare for retirement and to start saving for retirement as early as possible. "When a retiree is debt-free, they can make better lifestyle decisions with their retirement funds," says Montgomery. "I feel it really is the key to the pursuit of a successful retirement." Your retirement funds are also impacted by the acronym HITS: H – Healthcare I – Inflation T – Taxes S – Social Security Without proper planning, the first three can be potential drains on a retiree's assets. Social Security is an important element in retirement income, but it shouldn't be your only one. When a retiree is prepared for the HITS, they can help mitigate the effects. Redstone members have access to a staff of experienced financial advisors who can help them prepare for retirement in the 21st century. Call Redstone Brokerage Services today at 256-722-8351 to schedule your complimentary consultation. 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 the 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. R E D S T O N E B R O K E R A G E S E RV I C E S Are You Using 20th Century Tactics for Your 21ST CENTURY RETIREMENT? Barnard Montgomery

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