Meet a financial advisor to ask questions and learn how Sunmark Wealth Management can help you in your financial planning journey. Stop in for a no-cost, no-obligation 1:1 chat with a Sunmark Wealth Management advisor to ask questions and learn more about topics like:

Jeff will be visiting various Sunmark Credit Union locations:

• 1847 Central Avenue, Albany | Saturday, January 11 9:00 a.m. - 1:00 p.m.
• 404 Princetown Road, Schenectady | Saturday, January 25 9:00 a.m. - 1:00 p.m.

Women and Investing | December 12 @ 6:00 p.m.

There’s no denying the facts: Women tend to live longer. As a woman, how do know if you have saved and invested enough for your retirement? Join this seminar for a candid conversation on the importance of building your own financial future through investing. Take control of your financial future by learning how to become a successful lifelong investor. Explore topics such as:

• Key investment principles every woman should know

• Important opportunities like asset allocation

• Understanding investor behavior

• Differences between financial products like mutual funds and annuities

ATTEND

Understanding Medicare | January 21 @ 6:00 p.m.

Three Transitions to Retirement | February 26 @ 6:00 p.m.

Presented by Travis Stanley from TruStage^TM

Your exciting next chapter will start soon. Are you ready? You’ll encounter financial, lifestyle and emotional milestones along the way — but you’re not in this alone. We’ll work together to help you feel confident about your path to retirement. A great first step in this journey is the Three Transitions to Retirement seminar covering topics such as:

• More confidently address the financial, lifestyle and emotional transitions to retirement
• Guard against risks and manage the inevitable ones
• Gauge when you’re ready for retirement

Attend

Rethinking Diversification | date and time TBD

In today’s volatile market, retirement savers face new challenges. Traditional portfolio diversification may no longer be the answer to growing your savings without the risk of losing it all. Luckily, there are new ways to manage investment risk. You’ll learn more about how retirement savers face new challenges and new ways to manage investment risk. You’ll learn the answers to your investment questions, including:

• What is traditional portfolio diversification?
• How has the investment landscape changed?
• How can you achieve your goals with the least amount of risk?
• How can new annuity options help you rethink diversification?

Social Security and Your Retirement | January 8 @ 6:00

Presented by Travis Stanley from TruStage^TM

Regardless of how close or far away retirement is, chances are you have questions and could use someone at your side to help lead the way — especially with how Social Security works. Start finding answers at our Social Security and Retirement seminar at no cost or obligation to you. Travis Stanley from TruStage™ Annuities will walk through specifics about Social Security and help you understand:

• The rules for starting Social Security benefits
• How spouses coordinate their benefits
• Different things you can do to potentially increase your benefits
• Where Social Security fits into your retirement plans

Attend

Income for Life | February 12 @ 6:00 p.m.

You have retirement goals and plans for your future. Without a regular paycheck to count on, achieving a steady stream of retirement income will be an important part of the road ahead. Will Social Security be enough? What about your 401(k)? You’ll find out more about how to use annuities to help create a guaranteed income for life, including social security and your 401(k). You’ll learn the answers to your income for life questions, including:

• What sources of retirement income will you rely on?
• What retirement risks do you face now that you’re drawing on their savings?
• Which income strategies should you consider?
• How can you use annuities to guarantee income for life?

Attend

Rollover Planning | March 12 @ 6:00 p.m.

Changing jobs is a common experience for most U.S. workers. But what’s the right thing to do with your retirement savings plan account from a previous employer? Chances are you have questions and could use someone at your side to lead the way — especially in understanding how your decision can impact your long-term retirement savings. You’ll get a clear understanding of the different options available to you when you leave an employer and have an employer-based retirement savings plan account balance to consider, including:

• ·Four major options for retirement plan balances when changing jobs
• Pros and cons of each option
• How a rollover works
• And more!

Attend