First Quarter 2024
frontwavecu.com
What’s better than free financial education? Getting it from the comfort of your couch! At no cost and no obligation, you can register for one of our virtual workshops today at frontwavecu.com/workshops. Upcoming Financial Workshops Social Security and Retirement Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. Determining when to begin benefits could be one of the biggest financial decisions you face, and there are key issues to consider. Topics covered will include: What are the rules for starting your Social Security benefits? How do spouses coordinate their benefits? Are there different routes to take that could potentially increase your benefits? • Wednesday, March 13 @ 6:00pm PST How do you decide where Social Security fits within your retirement plans? • Wednesday, February 14 @ 6:00pm PST
Road to Retirement Are you ready to retire? You might be prepared for the financial transition, but you’ll experience lifestyle and emotional transitions as well. We can help you understand these upcoming changes and provide the information you need to better prepare for this exciting season of your life. Working together, we’ll gain clarity and confidence about your path to retirement. In this session, you will learn the answers to your questions, including: How do I get the most from my pension and Social Security? How should I invest to generate income during my retirement? How can I make sure that I can meet my health care needs? What sources of income should I draw upon and when? • Wednesday, March 27 @ 6:00pm PST
• Wednesday, February 28 @ 6:00pm PST Rethinking Diversification 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 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 low amount of risk? How can new annuity options help you rethink diversification?
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STATISTICAL REPORT As of December 31, 2023 Members: 124,372 Assets: $1,429,880,748 Total Shares: $1,203,417,728 Loans Outstanding: $944,205,392
Frontwave will be closed in observance of the following holidays this quarter:
Express Line 800.829.7676 Member Solution Center 760.631.8700 or 800.736.4500 Mon-Fri: 7am – 6pm, Sat: 9am – 4pm Autoland 800.234.6999 Enterprise Car Sales 800.CAR.SALES GreenPath Financial Wellness 877.337.3399 Frontwave Investment Services 760.439.6960 Frontwave Insurance Services, LLC 844.788.0820
Presidents’ Day Monday, February 19, 2024
As always, Express Line, Online Banking, Mobile Banking, and ATM services are available to you 24/7.
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