20 - 30s or just getting started

Early on in life you are in a great position to make the right financial decisions.

Your primary concerns may be:

• Learning how to save and live on less than you make
• Considering the purchase of your first home
• Evaluating your company’s retirement plans
• Learning more about investments
• Creating a savings and investment plan

30 – 40s

During this stage you may be shifting your focus to your family life and career building.

Your primary concerns may be:

• College planning
• Determining if your investment and savings plan is on track with your lifestyle changes
• Planning for multiple savings goals

40 – 50s

You may begin to shift your thoughts and planning to retirement. You may start to think more seriously about how and when you will retire. You may have the highest savings ability at this point in your life.

Your primary concerns may be:

• Are you on the right track to retire?
• When will you retire?
• What will my retirement lifestyle be like?
• How can I preserve the assets I have saved and still allow them to grow?
• How can I determine if my financial plan is accurate and complete to provide success?

50 – 60s

At this point retirement may be very close.

Your primary concerns may be:

• Determining if your savings is enough to retire
• What your company benefits will be
• How much income you can expect in retirement
• What your expenses will be in retirement
• Are you investing correctly to reach your short term retirement goal

Retirement

At this point you are retiring and need to create income.

Your primary concerns may be:

• Preserving and protecting your assets
• Inflation
• Creating an income stream you can comfortably live on
• Medical expenses
• Estate planning*

You don’t have to deal with this alone. TDECU Wealth Advisors will help guide you through the financial stages of your life to help make sure you plan wisely and stay on track. People, circumstances, and the economy continue to change. Let TDECU Wealth Advisors help you to adapt and stay on course toward financial success.

* Representative is neither a tax advisor nor attorney. For information regarding your specific tax situation, please consult a tax professional. For legal questions, including a discussion about estate planning, please consult your attorney.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. TDECU and TDECU Wealth Advisors are not registered broker/dealers and are not affiliated with LPL Financial. Investment Advisory Services offered through LPL Financial, a Registered Investment Advisor. The investment products sold through LPL Financial are not insured TDECU deposits and are not NCUA insured. These products are not obligations of TDECU and are not endorsed, recommended or guaranteed by TDECU or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. State Disclosure - The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: Texas.