FOR UNION MEMBERS & THEIR FAMILIES
You’ve Worked Hard for Your Retirement. Now You Need to Know What It Can Do for You.
Your pension, Social Security, retirement savings and other benefits may give you more choices than you realize.
The challenge is understanding how everything works together — and whether it can support the retirement you want.
Labor Retirement Services helps union members bring the pieces together so they can make retirement decisions with greater clarity and confidence.
Retirement Is About More Than Reaching a Certain Age
After spending decades working, retirement brings a different set of questions.
Can I afford to retire when I want to?
How much income will I actually have each month?
How long will my savings last?
When should I start Social Security?
How will taxes affect my retirement income?
What happens financially if something happens to me or my spouse?
And perhaps the biggest question:
Will I be able to live the retirement I’ve worked so hard for?
These are not just financial questions. They affect where you live, what you do with your time, how you help your family and how confident you feel about the years ahead.
A Clearer Picture of What Retirement Can Look Like
Retirement planning should do more than give you numbers on a page. It should help you understand what your income may look like, how long your money may last, what decisions deserve attention and whether you are on track for the retirement you want.
Know Where Your Income Will Come From
Understand how your pension, Social Security, retirement accounts and other savings can work together to provide income throughout retirement.
Keep More of What You’ve Earned
Make thoughtful decisions about taxes, withdrawals and retirement income so more of your money can stay available for you and your family.
Retire with Greater Confidence
Have a clearer idea of when you can retire, what you can afford and how prepared you may be for the unexpected along the way.
Your Retirement Benefits Were Built Over a Career. Your Retirement Plan Should Bring Them Together.
For many union members, retirement income does not come from just one place. There may be a pension, Social Security, an annuity or retirement account, personal savings and other benefits accumulated over years of work.
The difficult part is not simply knowing what you have. It is understanding how the pieces work together — and how the decisions you make today may affect your income, taxes and financial security for years to come.
Questions We Help You Work Through
When can I realistically afford to retire?
How much monthly income can I expect?
When should I claim Social Security?
How should I use my pension and retirement savings together?
How can I reduce taxes on my retirement income?
What happens if I retire earlier than expected?
Is my spouse financially protected?
How much can I safely spend without worrying about running out of money?
You do not need to have all the answers before we meet. Helping you figure out which questions matter most is part of the process.
A Retirement Plan Built Around What Matters to You
Before we start talking about investments, pensions or retirement accounts, I want to understand what you want your retirement to look like and what concerns you most today.
From there, we can begin bringing the pieces of your financial life together around the future you want to create.
Understand What Matters Most
We start with you — your goals, your concerns, your family and what a successful retirement would actually look like in your life.
Bring the Pieces Together
We look at your pension, Social Security, retirement savings, taxes, insurance and other financial resources to understand how they can work together.
Build Greater Clarity and Confidence
You leave with a clearer understanding of where you stand, what decisions deserve attention and what steps can help move you toward the retirement you want.
The goal is not to overwhelm you with financial information. It is to help you understand your choices and make important retirement decisions with greater confidence.
Before We Talk About Your Money, I Want to Understand What Matters to You
Retirement means something different to everyone.
For one person, success may mean retiring as soon as possible. For another, it may mean traveling, helping children or grandchildren, spending more time with family, or simply knowing the bills are covered without worrying about money.
That is why our conversations begin with what matters most to you.
Some of the most important questions we may discuss are:
What would a successful retirement look like for you?
What financial concern is weighing on you most today?
What is keeping you up at night financially?
What would make you feel more confident about your future?
What would you like your money to make possible?
Three years from now, what would make you feel good about the progress we have made?
You do not need to arrive with a list of financial questions. You only need to know what you want your future to feel like. We can work through the financial decisions together.
You’ve Worked Hard for Your Retirement. Let’s Make Sure You Have a Plan for What Comes Next.
ou do not have to figure out every retirement decision on your own.
An initial conversation is simply a chance to talk about where you are today, what you want retirement to look like and what questions or concerns deserve attention first.
There is no expectation that you have everything organized before we talk.
Have a question first? That’s okay too. We’re here to help you understand your options and decide what makes sense for you.
Securities offered through Cetera Advisors LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisors LLC, A Registered Investment Adviser. Cetera is under separate ownership from any other named entity.
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