Routing #: 221379824
REMEMBER! NEVER give out your sensitive information (SSN, account/card numbers, online banking credentials, etc.) to someone claiming to be from Sunmark Credit Union. If anyone contacts you in ANY WAY (email, phone, text, etc.) stop all communication and call us at 866-SUNMARK to verify the legitimacy of the request.
EVENTS
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:
• Retirement Planning + IRA Rollover Services • Estate/Legacy Planning • Education Planning/Funding • Investments • Wealth Management Services • And More!
Jeff Saran, CLU®
LPL Financial Advisor located at Sunmark Credit Union
518.783.9040
jeffrey.saran@lpl.com
Registered branch location: 1187 Troy Schenectady Road, Latham, NY 12110
Jeff will be visiting various Sunmark Credit Union locations:
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251 Saratoga Road, Glenville | Saturday, November 16 9:00 a.m. - 1:00 p.m.
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151 Vly Road, Colonie | Saturday, January 11 9:00 a.m. - 1:00 p.m.
Can't make it to an event but want to talk?
Free virtual Seminars
Sunmark Wealth Management is thrilled to offer FREE virtual educational workshops! Learn tips and strategies to help you make smart investment decisions, work toward your long-term financial goals, and plan for a smooth transition into retirement.
Rollover Planning | December 3 @ 6:00 p.m.
Presented by Travis Stanley from TruStageTM
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!
Social Security and Your Retirement | date and time TBD
Presented by Travis Stanley from TruStageTM
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
Understanding Medicare | date and time TBD
Presented by Travis Stanley from TruStageTM
Planning for retirement is never easy, and maneuvering through Medicare rules and regulations is another step in an already confusing process. You’ll find out more about Medicare rules and regulations and discuss the role they play in the process of retirement. You’ll learn the answers to your Medicare questions, including:
- Medicare basics and the differences between Parts A, B, C and D
- Tips for choosing your coverage and enrolling in Medicare
- How to consider health care costs when planning your retirement income
Women and Investing | December 12 @ 6:00 p.m.
Presented by Travis Stanley from TruStageTM.
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:
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Key investment principles every woman should know
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Important opportunities like asset allocation
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Understanding investor behavior
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Differences between financial products like mutual funds and annuities
Rethinking Diversification | date and time TBD
Presented by Travis Stanley from TruStageTM
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?
Income for Life | date and time TBD
Presented by Travis Stanley from TruStageTM
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?
Three Transitions to Retirement | date and time TBD
Presented by Travis Stanley from TruStageTM
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
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Investing involves risk including possible loss of principal. Variable annuities are subject to market risk and may lose value. Investing involves risk including possible loss of principal.
Travis Stanley and CUNA Mutual Group are not affiliated with or endorsed by LPL Financial and Sunmark Wealth Management.
Workshops are educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. TruStage™ Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC,a registered broker/dealer, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state and may not be available in all states or through all broker/dealers.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer(member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Sunmark Credit Union and Sunmark Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Sunmark Wealth Management, and may also be employees of Sunmark Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Sunmark Credit Union or Sunmark Wealth Management. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any Other Government Agency |
Not Credit Union Guaranteed |
Not Credit Union Deposits
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May Lose Value |
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Check the background of investment professionals associated with this site on FINRA's BrokerCheck.
Your Credit Union (Sunmark Credit Union) provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay Sunmark Credit Union for these referrals. This creates an incentive for Sunmark Credit Union to make these referrals, resulting in a conflict of interest. Sunmark Credit Union is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.