Are you considering retiring at age 62? You might want to think carefully, because your Social Security benefits could be reduced by up to 30% before reaching full retirement age. Plus, they can be further reduced if you have earned income, and there are important tax, inflation, and spousal implications.

Being a member of America First gives you access to CFS* Advisors, available through CUSO Financial Services, to help fully understand these important money matters. They are experienced in retirement income planning and will meet to discuss goals and determine the best strategy to make the most of your benefits.

They can assist with:

• Reviewing your current financial plan
• IRA, 401(k), 403(b), 457 plans, and TSP Rollovers
• Retirement income strategies
• Higher education funding
• Life and long-term care insurance

To learn more, call 1-800-999-3961 to schedule a no-cost, no-obligation appointment with a professional & friendly advisor.

*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.