Retirement Planning

Expert guidance to help you build the retirement you envision.
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Build Your Retirement Roadmap

Planning for retirement can feel overwhelming, but it doesn't have to be. Whether you're just starting your career, approaching retirement, or already enjoying it, 3Rivers works with experienced ClearFuture Financial advisors to bring your financial big picture into focus. From IRAs and 401(k) rollovers to investment strategies and estate planning, we analyze your current financial situation, help you set meaningful goals, and create a tailored retirement plan that addresses your personal needs throughout every stage of your life.

Planning Services We Offer

Our advisors help you navigate every aspect of retirement planning. From understanding investment options and tax strategies to coordinating Social Security benefits and estate planning, we provide comprehensive guidance tailored to your unique situation and goals.

Comprehensive Retirement Services
  • Retirement income planning to help your savings last throughout your retirement years 
  • IRA and 401(k) rollover guidance to consolidate accounts and maximize tax advantages 
  • Investment portfolio management tailored to your risk tolerance and retirement timeline 
  • Social Security optimization strategies to help you make informed claiming decisions 
Questions About Planning Your Future?

Retirement Planning Frequently Asked Questions

Get answers to common retirement questions. For personalized guidance, connect with our experienced advisory team today.
Are my retirement investments insured?
Securities and investments are not NCUA-insured and may lose value. However, working with registered investment professionals through LPL Financial provides regulatory protections. Your advisor will help you understand all risks and opportunities.
What makes 3Rivers different from a bank for retirement planning?
3Rivers partners with independent LPL Financial advisors through ClearFuture Financial. As a member-owned credit union, we prioritize your best interests. Our advisors offer personalized guidance focused on your financial success, not sales quotas.
How does Social Security fit into retirement planning?
Social Security provides a foundation, but typically won't cover all retirement expenses. Our advisors help you understand when to claim benefits to best suite your needs and create strategies to supplement Social Security with other income sources.
Can I rollover my old 401(k) into an IRA?
Yes. Rolling over an old 401(k) into an IRA can simplify your retirement savings and potentially give you more investment options. Our advisors guide you through the rollover process step-by-step to help you avoid costly tax penalties or mistakes.
How much money do I need to save for retirement?
It varies based on your lifestyle, goals, and retirement age. A ClearFuture Financial advisor can help you calculate your specific needs by analyzing your expenses, income sources, and desired retirement age to create a personalized savings target for your situation.
When should I start planning for retirement?
The best time to start is now, regardless of your age. Early planning allows your investments more time to grow through compound interest. If you're in your 40s or 50s, focused planning can help you catch up. Even in retirement, strategic planning helps your savings last.
What's the difference between Traditional and Roth IRAs?
Traditional IRAs offer tax deductions on contributions now with taxes paid when you withdraw in retirement. Roth IRAs use after-tax contributions allowing tax-free growth and tax-free withdrawals in retirement.

Related Investment Services & Tools

Maximize Your 3Rivers Membership

Pair retirement planning with these services to build comprehensive financial security for you and your loved ones.

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Disclaimer

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. 3Rivers Federal Credit Union and ClearFuture Financial are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using ClearFuture Financial, and may also be employees of 3Rivers Federal Credit Union.  These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, 3Rivers Federal Credit Union or ClearFuture Financial.  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 or Obligations May Lose Value

 

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit Institution Plain English Disclosure for more detailed information.

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