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Golden Years

Protect your wealth and start paying yourself

The freedom to live the retirement lifestyle of your choice with more time to spend with friends and family can make your retirement years truly enjoyable. However, this is not the time to become complacent about your financial initiatives. Stay open to new ideas and opportunities to leverage your money, even if youíre satisfied with your products and their performance.

Here are some ways First Heritage can help you fortify your financial position during your retirement years:

1. Conserve time, money and paper with a money-saving checking account, online banking, bill pay and no-charge ATM services

Youíll reduce the time it takes to pay your bills and save on the expense of printed paper checks and postage while helping the environment as well. First Heritage has the perfect checking account for this time of your life.

2. Improve funds availability and increase convenience with automatic Direct Deposit to First Heritage
You can make deposits from just about anywhere, any time with our online banking services. Electronically deposit checks for improved cash flow.
3. Relieve your family from making difficult decisions
Decisions about the disposition of your estate, a living will, burial and funeral arrangements can be made now so your wishes will be known and your family will be relieved of making important decisions under duress.
4. Donít give up your monthly budget
Managing expenses now will be more important than ever.

Tips for Effective Financial Management:

  • Take advantage of senior discounts wherever you can, and donít be shy in asking for them.
  • Do not invest with someone you donít know.  Scams targeted at retirees abound.  Your investment opportunities should be carefully researched and verified by reputable professionals.
  • Be informed.  From your investments to your insurance youíll want to audit your current portfolio and policies and make the necessary changes to reflect your needs and preferences as a retiree.
  • Create a complete and detailed listing of your financial, investment insurance and trust products and put a copy in your safe.

Some Financial Calculators for the Golden Years...

Our calculators can help you determine what you need to achieve your goals and stay on budget.

For help determining the best accounts and products for sound and productive money management during your Golden Years Life Stage, please contact us at 607-936-4667, (toll free) 800-833-3338 or email us at info@fhfcu.org.

Warning: Email is not a secured method of communication and personal information, such as account number, date of birth and social security number should not be included in any email communications.