Good planning can help you effectively manage your finances. By understanding where you are today, and where you want to be in the future, you can make better financial decisions. We can help you create a solid financial plan for you and your family – the foundation on which your financial future is built. With our help, you can develop an effective strategy to:

• Achieve your investment goals
• Save for a comfortable retirement
• Pay for your child’s education or your own
• Protect your family in the case of an unforeseen event

Our advisors can provide you with the benefit of independent advice on the different financial decisions that may be appropriate at various stages of your life, whether you are just starting out, financially established, considering retirement, or beyond retirement years.

Your Financial Advisor will:

• Assess your current financial situation
• Identify your financial goals
• Develop a personal financial plan customized to achieve your goals

Once you and your Financial Advisor have agreed upon a strategy, we will continue to manage your account with the personal attention to which you have become accustomed as a UNFCU member.

It is hard enough to find the time to do the things you want to do, let alone the things you have to do – like managing your money. At the Investment Centre, we realize that successful investing demands full-time attention. That is why we offer the option of hiring an independent professional Money Manager who is paid to grow your assets.

Please contact your Financial Advisor. Your Financial Advisor will suggest one or more independent Money Managers for your portfolio after reviewing your financial situation and assessing your unique goals.

We make available a wide range of investments, including listed stocks, over-the-counter stocks, and convertible and preferred securities. We also can provide advice on corporate, government and municipal bonds.

Annuities can be an effective way to build assets for retirement by deferring the payments of current taxes until the money is withdrawn, quite possibly at a time when you may be in a lower tax bracket. When you are ready to receive income, many annuities offer distribution payment options designed to produce an income you cannot outlive. Others may feature a death benefit for your heirs or a guarantee that your investment principal will be protected.

Taking the financial uncertainty out of your future retirement is crucial to enjoying one of the best stages in your life.

A Financial Advisor will:

• Review your individual retirement objectives
• Identify the best plan to save for retirement taking into consideration your current financial situation and your risk tolerance
• Develop a flexible long-term plan to balance your retirement goals with those more immediate goals, such as starting a family, purchasing a home, or sending your children to college

Charting a course for your retirement destination
Whether you are five years or 25 years from retiring, recognizing the need to begin planning for retirement is the first step of the journey toward attaining retirement goals.

Haphazard investing rarely works. Indeed, everyone needs a retirement plan that evolves with changes in their personal lives. Charting an investment course in today’s often stormy financial climates is not as difficult as you might think. By listening to your specific goals, we can help assess your present situation and design a plan to help realize your individual retirement dreams.

Individual Retirement Accounts (IRA)
In planning for retirement, the IRA offers one of the few ways to invest – often with pre-tax dollars – so that any growth in the account is tax free until withdrawn. Through a Self-Directed IRA, members can enjoy the convenience of investing in stocks, bonds, mutual funds, certificates of deposit (CDs) and other alternatives, and having those investments reported on one statement.

The 401(k): Building Financial Security
The 401(k) has a number of different components that must all be coordinated to yield optimal results. 401(k) plans are complex. One reason is that the participants are usually allowed to direct their own investments. A participant-directed plan has a number of moving parts that must be coordinated if the plan is to run smoothly and be well received by the employees.

Owner-Only 401(k)/Individual (k) Plan New section added

Many of our members may be interested in the Owner-Only 401(k), also known as The Individual (k) Plan, which is a self-directed 401(k) for businesses which employ owners, their spouses and/or partners only. The Owner-Only 401(k) offer new contribution limits as well as the same benefits offered by traditional 401(k) plans, including tax-deductible contributions, tax-deferred earnings and a variety of investment options.

At the Investment Centre, we work with carefully selected estate attorneys and tax advisors to provide customized solutions to address your personal estate and tax concerns.

As a UNFCU member, we encourage you to take advantage of a special arrangement we have made to provide you with a consultation with an estate attorney or tax
advisor to assess your unique situation.

Working with these qualified professionals, your Financial Advisor will help you:

• Maximize the value of your estate by saving tax dollars, professional fees, and court fees
• Minimize the costs of probate, creditor, attorneys, and estate taxes, which can negatively impact the value of your estate
• Stay in control of your own affairs by offering instructions for passing your estate on to your heir

We offer a complete range of personal trust services, including account management for wills and living trusts, lifestyle management and life care assistance, irrevocable life insurance trusts, estate settlement services, and specialized trust services.

For nearly five decades, UNFCU has tailored its services to the unique demands of the United Nations community. Our culturally diverse members speak many languages and enjoy many customs. Many are G-4 visa or U.S. green card holders.

We are committed to providing comprehensive solutions that are tailored to your specific needs. Furthermore, we can apply our international perspective and broad knowledge of global trends to advise you on the products and services most appropriate for you, including offshore investments and services.

The UNFCU Investment Centre is committed to the continued expansion of the products and services we offer to our non-U.S. members. In addition to offering you the comprehensive advice of our multi-lingual Financial Advisors, we make available financial advice from internationally qualified estate attorneys and tax advisors.