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SANTA CRUZ SENTINEL FRIDAY, JANUARY 27, 2017 LIVE IT UP! 7 Available through CUSO Financial Services, L.P. † Investment Services at Bay Federal Credit Union *$50 gift card provided to all Credit Union members who roll over their IRA, 401(k), or 403(b) with CFS. Limit of two $50 gift cards per member, for a maximum annual total of $100. Offer valid through April 30, 2017. Credit Union members must schedule an appointment with CFS by April 30, 2017 to receive this offer. Must be 18 or older to participate, CFS reserves the right to provide a rain check or a substitute of equal or greater value. Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA, an investor should consider various factors, including but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. †Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Bay Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Personalized Retirement Solutions and Estate Planning Socially Responsible Investment Options $50 Gift Card for Rolling Over Your Retirement Accounts * Visit www.bayfed.com or call 831.479.6000, option 7, to schedule a complimentary appointment with the CFS † Investment Advisors at Bay Federal today! Retirement Planning Make Your 2016 IRA Contribution Now Through April 18! B A Y FE D ER A L C R E D I T U N I O N 2 0 1 7 1 95 7 CE L E B R A T I N G 6 0 Y E A R S 831.479.6000• www.bayfed.com• 888.4BAYFED A nother year is in the books and new resolutions are on your mind. In addition to the short- term objectives you are consider- ing for your well-being in 2017, make sure you take some time to look at your long- term financial planning as well. e CFS* Investment Advisors at Bay Federal Credit Union can help you develop and maintain a holistic approach to your financial health. Consultations are compli- mentary, and we are happy to help you with any and all of the following: Define Your Priorities and Your Goals. e first step to any long-term plan is to understand what you are hoping to ac- complish, and to outline a roadmap that best sets you up for success. Looking at your goals from last year can be a starting point, but as time passes your circumstances and priorities may shi. ink about what may have changed for you and your future, and plan accordingly. Retirement Contributions and Dis- bursements. e calendar may read 2017, but you have until April 18 to make an IRA contribution for the 2016 tax year. If you are contributing to a 401(k) or other retirement plan, take a look at how your investments are performing and whether you are con- tributing as much as you need to in order to reach your goals. If you have already reached retirement age, we can help you strategize your required and elective distributions. Review Trust Documents and Cur- rent Account Beneficiaries. A new year is an ideal time to make sure your accounts are properly arranged to make as easy a transition to your loved ones as possible. Looking over your current trust documents and thoroughly reviewing your designated beneficiaries can go a long way to clearing up any ambiguity on your finances. Consider Your Insurance and Invest- ments. Part of your strategic planning is looking at all available avenues for invest- ment opportunities and ensuring the framework to protect your family during a transition of your assets. A flexible assort- ment of insurance and investment options are available to help you and your family through 2017 and beyond. Setting your goals and plotting a plan to reach them can be a challenging endeavor. e CFS* Investment Advisors at Bay Federal are available to help you review your options and actions so that you can feel confident in your strategy. Visit www.bayfed. com or give us a call at 831.479.6000, option 7, to schedule your complimentary appoint- ment today! CHECK-IN ON YOUR FINANCIAL PLANNING *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a regis- tered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Bay Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.