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Take your pick: Luxury Cruise vs. Endless Days In Your Robe

Whatever your style, we’re ready to help you achieve your retirement goals.


Let’s talk retirement, shall we? How does a luxurious vacation cruising the Cayman Islands sound? Or what about a wine-filled vaca in the south of France? If traveling isn’t at the top of your list, how about spending endless days in comfy slippers and a robe because, why not? Regardless of what your retirement goals may be, having a solid retirement plan is the key to post-career financial success. While some of us think retirement is a long ways away, it’s a good idea to get started now (if you haven’t already). Lao Tzu, a great ancient philosopher, has a proverb that says “The journey of a thousand miles begins with one step.” Not only does that apply to a nice well deserved vacation, but also to a successful retirement. Here are a few things you should consider to make sure your retirement is exactly what you hope it will be:

1. Take Inventory
A great place to start is to take into account where you currently stand financially. That means adding up all your assets, all the debt you might have, your future savings goals, and future expenses you can expect after you retire. We recommend setting time aside and writing it all out to make sure you don’t miss anything. It will also help to have something to refer back to later on. Once you have your financial life mapped out, you can familiarize yourself with areas you might need to improveme on. For example, if your savings account is a little low (or non-existent), then that’s a good and easy place to start.

2. Plan For a Rainy Day
We know what you’re thinking: Why should we Burbank-ians save for a rainy day if it only rains a handful of times a year in SoCal? Well that wasn’t exactly where what we were going with that. You probably already know that having some money stashed away in case of an emergency is a great idea. Life can be unpredictable and its always helpful to be prepared for what ever comes your way before or during retirement. If you haven’t gotten around to starting a savings account, don’t worry. It’s never too late to start! A good rule of thumb is to stash about six months of living expenses away. If you can do more, great! The more the merrier. Here at UMe, we offer excellent savings account options that can match your goals, big or small.

Click here for more information about our savings accounts.

3. Eliminate All Debt
Aaah yes, that not-so-nice word: debt. One of the worst four letter words in the UMe financial dictionary. We’ve all had it and some of us are still in it, but the goal should be to get rid of it once and for all by the time we retire. Zip, zilch, nada! There’s a good chance that your income will see a decrease when your working days are over, so it’s a good idea to get yourself out of any difficult financial holes before retirement.

Getting rid of debt may sound easy enough, but what if it isn’t? That’s where we come in! We’ve got you covered with tools you’ll need to kiss debt goodbye. Do you currently have a super-high rate on your credit card? Our balance transfer options offer a fixed, low rate and no balance transfer fees. Paying too much on your auto loan? Check out our awesome refinancing options that can save you hundreds, if not thousands of dollars. Have some high-interest loans you want to pay off? Our Personal Loans may be just what you’re looking for. We can do this Q & A all day, but you should check out all the good stuff we have to offer for yourself. Here at UMe, we consider ourselves helpers and nothing makes us happier than seeing our members achieve their financial goals.

To find out what options are best for you, give us a visit and talk to one of our representatives or give us a call at (818) 238-2900.

4. Determine your retirement needs
As we touched upon earlier, everybody has a different vision of what they want their retirement to look like. Some of the main things to consider are: where you want to live, what age you plan to retire, what you’re expenses will be, and whether you want to work when you retire. Other things to consider looking into are Social Security accounts you might have and employee-sponsored retirement accounts. Just like in life, plans sometimes change and if they do, retirement plans can be adjusted.

5. Expert advice is the best advice
Phew! Talking retirement is a lot to take in, isn’t it? We hope we’ve given you some helpful tips to begin the road to retirement planning. Whether you’re looking to hang out on the beach with a Mai Tai all day every day, or spend as much time with your grandchildren as possible, we want to help you live your best retired life. The best news is, we’re here to help every step of the way!

Our partner with everything retirement, investment, estate protection, and insurance related is LPL Financial. As a UMe member, you have access to your own personal financial advisor, as well as access to a variety of investment services and insurance products, which include 401k, pensions, and retirement planning. Next stop: Retirement Town.

Take the first step (it’s easy!) — give us a call at (818) 238-2900 ext. 4

Click here for more information regarding our partnership with LPL Financial.

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