The Right Retirement Income Plan

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The Right Retirement Income Plan

Content provided by Apple Financial Services LLC

It is important to build a retirement income plan that will allow you to turn years of savings into a reliable and sustainable paycheck throughout your golden years. There are several factors to consider so you can maximize and reach your financial goals.

Access Your Social Security Income

Get the most from your Social Security benefit by choosing the right age to start your benefits based on your employment, health and income needs.

Diversify Your Taxes

Since tax laws and rates change frequently, it’s wise to establish multiple retirement income sources with varied tax treatments.

Determine a Realistic Withdrawal Rate

One key question you need to ask yourself is, “How much can I take from my retirement accounts?” As a general rule, you can withdraw 3% to 5% every year without undue concerns about running out of money.*

As millions of baby boomers begin to enter retirement, there are more resources than ever before to help you build your retirement plan. To better understand and evaluate these resources, contact a trusted Financial Advisor. Together, you can develop a retirement income strategy that can support all of your retirement goals and dreams.

Apple Financial Services is a wholly-owned subsidiary of Apple Federal Credit Union. If you have any questions, or you would like to discuss your retirement plan, schedule a no cost, no obligation consultation by calling 703-788-4817 or visit



*Source: Bureau of Labor Statistics by the U.S. Census Bureau, 2008 Consumer Expenditure Survey. Based on a 30-year retirement.


Representative is not a tax advisor or legal expert. For information regarding specific tax situations, please contact a tax professional. For legal advice, consult an attorney.


Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. Content developed by CUNA Brokerage Services.



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