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New Year's Resolutions for 2022: Plan, Save, Invest12/22/2021

The past year was tumultuous for the American economy. In 2021, a chip shortage dramatically altered the auto industry, resulting in reduced inventory and rising costs across the country. COVID-19 changed home-buying trends as well, leading to a steep reduction in homes for sale and a notable cost increase for homebuyers compared to the year prior. With market fluctuations, staggering inflation, and more than half of Americans looking to change their jobs, fiscal planning for the year ahead might feel next to impossible.

Fortunately, SLFCU members have access to professional financial advisors through MEMBERS Financial Services. Just about everyone can benefit from utilizing MEMBERS Financial Services, regardless of age or financial standing. Here are a few reasons why you should schedule a visit with an advisor this month:

COMPLIMENTARY FIRST APPOINTMENT

Kick-off 2022 with a sweet deal: Your first MEMBERS Financial Services appointment is complimentary! Plus, the team at MEMBERS Financial is committed to a no-obligation, no-judgment, no-pressure conversation. Their financial professionals are genuinely eager to help – so if you’re dreading a sales pitch, prepare to be pleasantly surprised.

ADVICE FOR EVERYONE (THAT MEANS YOU)

What does 2022 have in store for you? College? Retirement? Starting a family? None of the above? Regardless of your plans, the folks at MEMBERS Financial Services are prepared to meet you exactly where you are in your financial journey. Your advisor will ask the right questions about anticipated expenses and your financial standing to help you create goals and build a plan to bring them to fruition.

PUT YOUR SAVINGS TO WORK

Here’s a New Year’s resolution you can definitely stick with: Retirement planning. Anyone who has not yet entered retirement, including young adults and teenagers, should contribute regularly to an individual retirement account (IRA). Investing in an IRA allows your money to grow over time, and it’s never too early (or too late) to start. Your MEMBERS Financial Services advisor can help you determine the type of account and how much to contribute to help ensure you’ll be better prepared when it’s time to retire.

Online how-to articles can be helpful but are often over-generalized. With MEMBERS Financial, you’ll get direct advice from a professional who knows your story and who has your best interests at heart. There’s no use agonizing over the nuances of Traditional vs. Roth IRAs, puzzling over how to pay for college, or wincing at the thought of major expenses like a car, a house, or long-term care. Let MEMBERS Financial Services do the heavy lifting and help you outline a financially responsible plan for 2022.


Not sure where to begin? Ask any of the questions below, or bring your own list to your complimentary initial appointment.

  • When should I start investing?
  • Which type of investment is best for me?
  • What's the minimum amount to get started?
  • Does my credit score affect my ability to invest?

Get started: Visit slfcu.org/InvestmentConsult or give MEMBERS Financial Services a call.

  • Call 505.237.3930 if your nearest branch is Cottonwood, Jefferson, Juan Tabo, Los Lunas, or Rio Rancho.
  • Call 505.237.7330 if your nearest branch is Edgewood, Kirtland, Paseo, Tech Park, or Livermore.

Presented by the MEMBERS Financial Services Program* located at SLFCU. The MEMBERS Financial Services program is offered through CUNA Brokerage Services, Inc, a broker/dealer focused on serving credit union members.* CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit cunabrokerage.com.

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 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 unmanaged and are not illustrative of any particular investment.

*MEMBERS Financial Services Financial Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA /SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America. FR-3944052.2-1221-0124



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