Bay Federal Credit Union
Investment Services at Bay Federal Credit Union

Planning for your Future

Retirement and Important Milestones

Connect with an Advisor

Plan Your Retirement

The LPL Financial Advisors with Investment Services at Bay Federal Credit Union can help you prepare for the future you want with a personalized retirement plan.

  • Goals-based approach
  • Socially Responsible Options
  • 401(k), 403(b), and IRA Transition Assistance

Financial Strategies: 6 Steps to Planning for Retirement and Major Financial Milestones

For many retired Americans, finding assets to cover everyday expenses can be a challenging endeavor. Making sure you have a defined strategy ahead of time can assist in making your transition to retirement go smoothly and help you better enjoy your newfound leisure time.

Understanding your lifestyle plans, identifying your income streams, and documenting your spending needs are all a part of proper retirement planning. Consider these six steps in preparing for your own retirement:

  1. Review your essential and discretionary expenses
  2. Evaluate both your current and future retirement income sources
  3. Compile a list of current assets (brokerage accounts, 401k, savings, etc.)
  4. Complete a Personal Assessment to help organize your finances and prioritize your needs.
  5. Sit down with an LPL Financial Advisor to discuss goals, needs, objectives, and begin planning
  6. Position your assets to help you pursue your financial goals

Get in Touch

If you would like an LPL Financial Advisor at Bay Federal Credit Union to contact you, please complete and submit the following information.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Bay Federal Credit Union and Investment Services at Bay Federal Credit Union are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Investment Services at Bay Federal Credit Union, and may also be employees of Bay Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Bay Federal Credit Union or Investment Services at Bay Federal Credit Union. Securities and insurance offered through LPL or its affiliates are:

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information. 

LPL Financial Form CRS: www.lpl.com/CRS
Investment Services at Bay Federal Credit Union

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