Rollover Retirement $50.00 Gift Card

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What do you want your retirement to look like?

Rollover your IRA or 401K account(s) and receive a  $50.00 Gift Card!

UCCU Financial Group available at Utah Community Credit Union can consolidate your 401(k) or IRAs and help you:

  • Help building a plan keeps us with a changing market and can adapt as your needs change;
  • A wide range of investment options;
  • Allocate, diversify, and rebalance in one portfolio;
  • Provide on-going monitoring to ensure you’re on track to meet your financial goals.

For additional information, please contact Steve Lloyd

Phone: 801-223-7502
Fax: 801-431-8188
Email: lloyds@peakfns.com
 
 
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UCCU Financial Group

SC

Here at UCCU, we value our members more than anything.  We understand and realize how important your financial future is, and we want to assist you along the way.  UCCU Financial Group helps you find the best financial options, and provides a better understanding of the financial opportunities available to you.  So what are your options?

Investments & Life Planning

Our mission is to put you in control of your finances and your future.  That’s why we have partnered up with Cetera to give you the best options.  Options include: Mutual Funds, Life Insurance, REIT (Real Estate Investment Trust) Stocks, Bonds, and Social Security Maximization.

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Senior Insurance 

Senior Insurance can be difficult, confusing, and downright complicated, but with UCCU, we make it easy.  Senior Benefits Insurance Services will cover you for the short and long-term goals you have in mind, and guide you through Medicare, Long-Term Care, Recovery Care insurance, and Senior Dental offerings.

Senior Benefits

Health Insurance

With so many options to choose from for Health Insurance, which is the best road to take?   Miller & Wade, one of Utah’s largest insurance agencies, can offer a full suite of insurance products to both individuals and businesses.  Miller & Wade offers: Individual Health Insurance, Individual Dental Insurance, Individual Supplemental Insurance Plans, Individual Short-Term health Insurance Plans, Individual Vision, Group Dental Insurance, Group Life Insurance, Group Disability, Group Vision, and Group Supplemental Insurance Plans.

Miller Wade

Auto, Home, AD&D Insurance 

The harsh reality is, unexpected accidents may occur at any given time.  Are you prepared for the future?  Luckily, Auto and home insurance protects against damage infliction on your home or car.  AD&D also safeguards your family’s financial security against accidental death or dismemberment.  TruSTAGE can help you find the best options for Auto Insurance, Home Insurance, and Ad&D Insurance.

TruStage

We care about our members, and their future.  Let us assist you in your financial future, and help you find the best options for you, and your family. Whether you are trying to be a shareholder for a corporation, or simply trying to find the best health insurance option, we are here to help!  So please visit our UCCU Financial Group link today for more information!

If you have any question, click HERE for more information, or call us at 801-223-8188, or email us at questions@uccu.com

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Generating Investments for Retirement

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Retirement Matters

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Retirement living conjures up various images. Some see retirement living as traveling. Others envision more family time. Still others simply look forward to more free time. No matter what your view, there are a number of questions and concerns that … Continue reading

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How Will Working Affect Social Security Benefits?

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In a recent survey, 70% of current workers stated they plan to work for pay after retiring. And that possibility raises an interesting question: How will working affect Social Security benefits?  To answer that question requires an understanding of three … Continue reading

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What's Your Financial Wellness IQ?

 

 

 

 

 

 

It’s always important to gauge your financial wellness. Financial situations can change very quickly. Understanding how to make adjustments as needed is an important skill to learn. Take this quiz to see where you stand financially and help address any problems shown by the results. The first step toward a financially stable tomorrow is facing the situation today.

Ready to begin? Answer True or False to the following questions, and then tally your score. See scoring beneath the quiz to determine whether or not you are a good candidate for financial counseling.

  1. I normally pay only the minimum amount due on my credit card bills.
  2. My credit card balances increase each month.
  3. There are arguments in my home about money.
  4. I sometimes hide purchases from my spouse.
  5. I frequently charge items that I used to pay for with cash.
  6. I have thought about filing for bankruptcy.
  7. I have begun using cash advances to meet my obligations.
  8. My credit cards are near the limit, so I’ve begun applying for new lines of credit.
  9. I do not know the total amount that I owe.
  10. I skip paying my bills some months, or pay late.
  11. I have depleted my savings.
  12. I am consumed with worries about debt.
  13. My debt interferes with my job and/or home life.
  14. Collectors have begun contacting me.
  15. I have taken money from my retirement account to satisfy debt obligations.
  16. If I lost my job, it would mean an immediate financial crisis in my life.
  17. I use balance transfers.
  18. I have no emergency savings account.
  19. Next month’s bills arrive before I’ve paid this month’s.
  20. I do not open my bills when they arrive, or soon thereafter.
Most people answer “True” to two or three of the above questions. If True was answered more often than three times, you might consider financial counseling. BALANCE offers free and low cost assistance, whether the problem stems from needing more financial education, debt concerns, meeting your mortgage payment, or a host of other personal finance concerns. Discussing it with a certified counselor/3rd party will add insight to help you to resolve the situation.
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Take the First Step – Start Planning Your Financial Future

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How Will Working Affect Social Security Benefits?

Mature Businessman using tablet computerIn a recent survey, 70% of current workers stated they plan to work for pay after retiring. And that possibility raises an interesting question: How will working affect Social Security benefits?  To answer that question requires an understanding of three key concepts:  full-retirement age, the earnings test, and taxable benefits.

Full Retirement Age

Most workers don’t face an “official” retirement date, according to the Social Security Administration. The Social Security program allows workers to start receiving benefits as soon as they reach age 62—or to put off receiving benefits until age 70½ “Full retirement age” is the age at which individuals become eligible to receive 100% of their Social Security benefits. For example, individuals born in 1955 can receive 100% of their benefits at age 66 years and 2 months.

Earnings Test

Starting Social Security benefits before reaching full retirement age brings into play the earnings test.  If a working individual starts receiving Social Security payments before full retirement age, the Social Security Administration will deduct $1.00 in benefits for each $2.00 that person earns above an annual limit. In 2012, the income limit was $14,640.

Learn more at:
www.ucinvestmentservices.com
Or, contact Steve Lloyd at (801) 223-7502 to set an appointment with one of our financial professionals.
Curtis Willardson, CFP, CLU, Daniel O Palmer, Stephen Martin CFP, CLU, ChFC and Travis Morgan are registered representatives offering securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. David Palmer is a registered representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity. Registered address: 188 W River Park Drive, Provo, UT 84604.
Not NCUA/NCUSIF Insured – No Credit Union Guarantee – Not A Deposit – May Lose Value
Not Insured By Any Federal Government Agency.
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Distributions From Retirement Plans

RetirementIncome

If you’re like many Americans, you’ve been setting aside money for your retirement. Now that you’re near­ing retirement age, it may soon be time to start drawing money from your qualified retirement plans. Withdrawing money from a retirement plan is called “taking a distribution,” and there are a variety of ways to do it. We’re going to review several approaches.

UCCU Financial Group provides a wide range of services, with the primary commitment of helping our clients pursue their unique financial objectives. Our firm wants to help you develop a financial strategy tailored to your goals, values, and risk tolerance.

Some retirees may have several sources of income. Among them are retirement plans, such as traditional IRAs and Roth IRAs, as well as 401(k) and 403(b) plans. Of course, you may receive Social Security ben­efits and some people also have other investments and savings that they intend to use during retirement. If you’re nearing the age when you may consider drawing money from your qualified retirement plans, you face a number of important distributions decisions.

Remember, withdrawals from traditional IRAs, 401(k)s, and other employer-sponsored retirement plans are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions.

To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawal also can be taken under certain other circumstances, such as after the owner’s death. The original Roth IRA owner is not required to take minimum annual withdrawals.

Keep in mind that the information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult a professional for specific information regarding your individual situation.

Learn more at:  www.ucinvestmentservices.com
Or, contact Steve Lloyd at (801) 223-7502 or by email: Steve Lloyd lloyds@peakfns.com to set an appointment with one of our financial professionals.
Curtis Willardson, CFP, CLU, Daniel O Palmer, Stephen Martin CFP, CLU, ChFC and Travis Morgan are registered representatives offering securities and and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. David Palmer is a registered representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity. Registered address: 188 W River Park Drive, Provo, UT 84604.
Not NCUA/NCUSIF Insured – No Credit Union Guarantee – Not A Deposit – May Lose Value
Not Insured By Any Federal Government Agency.
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Retirement Matters

Retirement living conjures up various images. Some see retirement living as traveling. Others envision more family time. Still others simply look forward to more free time. No matter what your view, there are a number of questions and concerns that should be addressed to help you better prepare for retirement living. Because in order to pursue your goals and dreams for retirement, it is necessary to determine a strategy for your future. Otherwise, your choices may be limited and your options few.

 The UCCU Financial Group provides a wide range of services with the primary commitment of helping our clients pursue their unique financial objectives. We want to help you develop an overall strategy tailored to your goals, risk tolerance, and time horizon.

 Our firm is dedicated to helping individuals evaluate their financial situations. We want to provide people with tools that can help them make informed decisions. We offer informational material on a wide range of topics because we understand that individuals have diverse financial needs. If you have any questions or concerns during the course of this presentation, we invite you to take advantage of our complimentary consultation. During the consultation, we can discuss your questions and begin the process of helping you develop a financial approach that will address your individual needs.

 Keep in mind that the information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult a professional for specific information regarding your individual situation.

Learn more at: www.ucinvestmentservices.com
Or, contact Steve Lloyd at (801) 223-7502 to set an appointment with one of our financial professionals.
Curtis Willardson, CFP, CLU, Daniel O Palmer, Stephen Martin CFP, CLU, ChFC and Travis Morgan are registered representatives offering securities and and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. David Palmer is a registered representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity. Registered address: 188 W River Park Drive, Provo, UT 84604.
Not NCUA/NCUSIF Insured – No Credit Union Guarantee – Not A Deposit – May Lose Value
Not Insured By Any Federal Government Agency.
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