The Educator Q3 2016

Fall 2016
The Educator
S u s q u e h a n n a V a l l e y F e d e r a l C r e d i t U n i o n
36
SVFCU News
Wednesday, October 19th
Conte Wealth Seminar
Tax Planning
IN THIS ISSUE:
SVFCU News
President's Message
Christmas Pet Contest
Employee Spotlight
48
Conte Wealth Corner
Annual Meeting
RSVP to MaryKate
(mgreenfield@svfcu.org)
by Monday, October
17th
Member Appreciation Cookout
Friday, December 2nd
11:00 a.m. - 2:00 p.m.
CLOSINGS:
October 10
Columbus Day
November 11
Veterans Day
November 24
Thanksgiving
Pictures with Santa
Saturday, December 3rd
December 24
Christmas Eve
9:00 a.m. - 11:00 p.m.
SVFCU's Camp Hill Branch
December 26
Christmas
Christmas Pet Contest
President's Message Eric Lundvall
As you read this, there are only 3 months
left in 2016. Hard to imagine that another
year is almost over. SVFCU staff will be out
and about at plenty of community events these
next 3 months. Make plans to attend some
of these events with us. Check out our
Website, Facebook and Twitter pages for
more information. Thank you for making SVFCU your financial
partner. The staff and I look forward to
serving you, our members!
SVFCU's
2nd
Christmas
Submit
a
dressed
attire
for
Pet
picture
in
Contest.
of
festive
the
your
bring
gift
in
or
to
win
Friday,
One
to
e-mail
SVFCU
November
picture
per
a
card!
mgreenfield@svfcu.org
picture
pet
holiday
chance
PetSmart®
Please
Annual
to
your
by
25th!
member
EMPLOYEE SPOTLIGHT
Maggie has been with the Credit
Union over 30 years! She enjoys
spending time with her
family (especially her grandkids),
hunting, vacationing on the
lake & showing her alpacas at
competitions. Her farm does not
stop with alpacas, she has
chickens, ducks and a goose. Conte Weal th Saving is a great start, but planning to reach your financial goals is even better.
Provided by Alison Bach, CFP®
Corner
October is National Financial Planning Month
Are you saving for retirement? Great. Are you planning for retirement? That is even
better. Planning for your retirement and other long­range financial goals is an essential
step – one that could make achieving those goals easier. Saving without investing isn't
enough. Since interest rates are so low today, money in a typical savings account barely
grows. It may not even grow enough to keep up with inflation, leaving the saver at a
long­term financial disadvantage. Very few Americans retire on savings alone. Rather, they
invest some of their savings and retire mostly on the accumulated earnings those invested
dollars generate over time. Investing without planning usually isn't enough. Most people invest
with a general idea of building wealth, particularly for retirement. The problem is that too
many of them invest without a plan. They are guessing how much money they will need
once they leave work, and that guess may be way off. Some have no idea at all. Growing
and retaining wealth takes more than just investing. Along the way, you must plan to
manage risk and defer or reduce taxes. A good financial plan – created with the
assistance of an experienced financial professional – addresses those priorities while
defining your investment approach. It changes over time, to reflect changes in your life and
your financial objectives.With a plan, you can set short­term and long­term goals and
benchmarks. You can estimate the amount of money you will likely need to meet retirement,
college, and health care expenses. You can plot a way to wind down your business or exit
your career with confidence. You can also get a good look at your present financial situation
– where you stand in terms of your assets and liabilities, the distance between where you
are financially and where you would like to be.
Investment Advisor Representative, Cambridge Investment Research Advisors,
Inc., a Registered Investment Advisor. Registered Representative, Securities
offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member
FINRA/SIPC. Cambridge and Conte Wealth Advisors, LLC are not affiliated. This
material was prepared by MarketingPro, Inc., and does not necessarily represent
the views of the presenting party, nor their affiliates. This information has been
Ali Bach, CFP®
derived from sources believed to be accurate. Please note - investing involves risk,
and past performance is no guarantee of future results. The publisher is not
engaged in rendering legal, accounting or other professional services. If assistance
is needed, the reader is advised to engage the services of a competent professional.
This information should not be construed as investment, tax or legal advice and
may not be relied on for the purpose of avoiding any Federal tax penalty. This is
neither a solicitation nor recommendation to purchase or sell any investment or
insurance product or service, and should not be relied upon as such. All indices are
Nathan Imboden
unmanaged and are not illustrative of any particular investment.
Help us celebrate
2017 Annual
Meeting
Saturday, April 8th
@ 5:00 p.m.
RSVP to MaryKate by Saturday, March 25th, 2017
3850 Hartzdale Drive
Mission
Provide exceptional financial
Camp Hill, PA 17011
services by building
long-term personal relationships
339 East Park Drive
with a small town touch; meeting or
Harrisburg, PA 17111
exceeding member expectations.
717.737.4152
Vision
1.800.948.1454
Become the most trusted,
Fax 717.737.0589
respected and sought after
member-owned financial institution
in the tri-county area by
providing innovative services.
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