Retirement Planning

Hero Image

Retirement Planning Starts Here

Retirement can mean different things to different people, and we understand that your goals are unique. Often times, the difference between succeeding or failing to achieve those goals is the result of an accumulation of small decisions made along the way. To make the right choices when faced with those decisions, it helps to have a plan in place.

Crafting a good retirement plan requires clearly defined goals, an honest assessment of where you are financially and the willingness to focus on the long term. Wealth Management by CommunityAmerica will work with you wherever you are on your journey to consider your dreams, evaluate your current financial situation and provide perspective to help make decisions for the future. Whether you’re just starting to save, nearing that retirement party or dealing with any of the transitional moments along the way, our Wealth Advisors are here to help you reach your goals.

With a number of savings options available, such as IRAs and annuities, we can work with you to develop a plan that allows you to accumulate, enjoy and, eventually, share what you worked so hard to build.

IRA Comparison

Piggy Bank with TRADITIONAL Written on It Icon

Traditional IRA

Contributions are tax-deductible1, and all taxes in an IRA are deferred, meaning you won’t pay taxes until you withdraw funds in retirement.
Piggy Bank with ROTH Written on It Icon

Roth IRA

Contributions to this type of account are made with after-tax dollars. So, when it’s time to withdraw your funds for retirement, it’s tax-free.

To Decide Which Option Is Best, Ask Yourself:

Do you expect to be in a similar tax bracket as where you are now when you withdraw funds? If so, a Traditional IRA may be your best option. You’ll save money in the near term and receive immediate tax benefits. If you expect to be in a higher tax bracket when withdrawing funds, a Roth IRA may be a better choice for you. Your contributions will come from after-tax dollars, so you won’t pay any taxes when it’s time to withdraw.

Ready to open an account? Give us a call at 913.905.3600 or request an appointment with a Wealth Advisor.

For specific tax advice, please consult a qualified tax professional.

Ready to get started? We’re here to help.

Contact a Wealth Advisor
Confident small business owner standing at the restaurant counter while her two employees are diligently working behind.

Run a Business?

Our Wealth Advisors can help you find the right retirement plan package for your employees, too.
Learn More

Wealth Advisor goes over his investment strategy for the two Wealth Management clients.

Your Personalized Plan

Prepare for your financial “now” and your financial future.

Everyone’s financial goals are unique. We’re here to help you reach yours. Our Wealth Advisors can guide your short- and long-term plans to achieve financial peace of mind.
Learn More

Calculators

Piggy Bank with Dollar Sign on Side Icon

Retirement Savings Calculator

Find out how well you’ve prepared so far and what you can do to improve your retirement outlook.
Calculate Now
Stopwatch with a Dollar Sign in the Middle Icon

Start Retirement Savings Calculator

See how much more you’d have at retirement by beginning your savings plan today rather than waiting.
Calculate Now
Bar Graph Showing Increase with the Last Bar Have an Upwards Pointing Arrow Icon

Retirement Projected Savings Calculator

Find out when your savings may run out given a specified monthly income target.
Calculate Now
Photo of the Ramirez Family and their $312 Profit Payout

Profit Payout

As a not-for-profit credit union, we return our profit to those who bank with us in many ways—like better rates, lower fees and our Profit Payout1. This year we gave back a record-breaking $9 million to our members. See how your investment accounts with us could help you grow your share.
Estimate Your Payout

Member Favorites

Heart Emblem on Defense Shield Icon

Life Insurance

We can help you find the right policy to set your loved ones up for financial security2.
Learn More
Bar Chart that Increases Icon

Select Money Market

Enjoy a higher rate of return, plus the flexibility of liquid funds.
Learn More
Piggy Bank with Coin Being Inserted Icon

High Interest Savings

Grow your money faster at a rate of up to 4.00% APY3 on balances up to $1,500.
Learn More

Securities and advisory services offered through Copper Financial Network, LLC (“CuFi”), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CuFi. For important disclosures from CuFi, including our Form CRS, please visit here. Investment and insurance products, including annuities:

Are Not Deposits

Are Not NCUA or otherwise Federally Insured

Are Not Bank Guaranteed

May Lose Value