Many experts estimate that, by the time you’re 45, the equivalent of four years’ salary should be saved. However, if you don’t have such an amount yet, there’s no need to panic.

CFS* Advisors, available through CUSO Financial Services, can help America First members meet and exceed their monetary goals. Our professionals offer sound advice regarding retirement planning, including some simple ways to start investing:

Visit americafirst.com or call 1-800-9993961 to schedule a no-cost, no-obligation appointment.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CUSO Financial), a registered broker/dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CUSO Financial are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk, including possible loss of principal. Investment representatives are registered through CUSO Financial. The credit union has contracted with CUSO Financial to make non-deposit investment products and services available. Atria Wealth Solutions, Inc. (Atria) is a modern wealth-management solutions company and is not a registered investment advisor or broker/dealer. Investment products, services, and advice are only provided through CUSO Financial, a subsidiary of Atria.