DESTINATION ASSURED · of your retirement and your future. The best strategy for long-term...

Products for LifeLR-2011

DESTINATION ASSURED

CONTACT USFor more information about any of the services in this brochure, call 1-800-748-4302, visit our website at www.macu.com or stop by the branch nearest you.

Federally insured by NCUA.

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People like you, who work hard all their

lives, dream of a comfortable and secure

retirement. Planning for retirement, how-

ever, isn’t as simple as it once was. With

fewer employers offering comprehensive

pension plans and people living longer than

ever, you’ll need a sound retirement strategy

that assures you’ll have enough income to

last anywhere from 20 to 40 years.

Whether your retirement is just around the

corner or decades away, Mountain America

can help you easily construct a solid plan

so you can retire comfortably.

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checking investment and retirement planning

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savings—building your nest egg

A more practical figure to aim for would be at least 70%–90% of your current annual income for each year of retirement, accord-ing to most retirement advisors. Anything less and you may have to compromise your current qual-ity of life. Keep in mind, the more

you accumulate before retirement, the less you’ll need to worry about working after you retire.

Mountain America offers a variety of savings options with competitive rates to help you build the retire-ment you desire.

Many people just don’t save enough for retirement. In fact,

almost half of all workers saving for retirement report total

savings and investments (not including the value of their

primary residence or any defined benefit plans) of less than

$25,000, according to the Employee Benefit Research Institute.

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Traditional Savings AccountsAs the cornerstone of your finan-cial package, a savings account allows you to keep your money in a safe place while it earns interest.

u Competitive interest rate paid

u Interest compounded and paid monthly by Mountain America

u Easy access to your money

u Open secondary savings accounts for planned expenses like vaca-tions, holidays and gifts

Term DepositsWatch your savings grow with a Term Deposit from Mountain America. We offer flexible terms at competitive rates so your savings can build up faster than in a tradi-tional savings account.

u Higher dividends than other savings vehicles

u Terms from 6 months to 5 years

u Competitive rates

Money Market AccountsAs with Term Deposits, Money Market accounts allow you to grow your savings at interest rates higher than those offered with traditional savings accounts. But what really sets Money Market accounts apart is the ability to make deposits and withdrawals anytime you want.

u Unlimited access to your funds

u Competitive interest rates

u Interest paid monthly

u Higher balances earn higher interest rates

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Forget about one-size-fits all checking accounts. Mountain America has a better way.

Now you can create a checking account that fits your lifestyle. MyStyle gives you the freedom to choose the features you use most—and then adds the rewards you choose.

Customize your account with:

u Music downloads.

u Cash gifts.

u Loan discounts.

u Credit monitoring.

u I.D. protection.

u Interest-earning options.

u And much more.

MyStyle Checking—my checking, my rewards

checkingsavings

Open your Term Deposit or Money Market today. Visit your nearest branch, call 1-800-748-4302 or go to our website, www.macu.com.

Your new Mountain America checking account is a branch visit or phone call (1-800-748-4302) away.

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Currently, there is a disturbing trend in retirement planning: many workers are counting on benefits that may not be there. In fact, only 41 percent of workers indicate they or their spouse cur-rently have a defined benefit pen-sion plan, yet 62 percent say they are expecting to receive income from such a plan in retirement, according to the Employee Benefit Research Institute.

With fewer and fewer companies offering pension plans, it’s more important than ever to take control of your retirement and your future. The best strategy for long-term investing is to diversify. One of the best and most popular ways to do that is to invest a portion of your earnings. By investing, you can

make sure your money goes to work for you, giving you a steady stream of income to help you cover your retirement expenses.

LPL Financial Services, Mountain America’s broker/dealer, can help you invest the right way. Invest-ment representatives are available to meet with you at any Mountain America branch. Just setup an appointment, and they’ll help draft a retirement plan that’s best for you and your lifestyle.

IRAsGet better growth potential and tax advantages with an Individual Retirement Arrangement (IRA) account. IRA accounts provide tax advantages for retirement savings, and they’re customizable

investment and retirement planning—making your money work for you

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If you have employees, you can also help them build for their retire-ments. We have a variety of employer-sponsored retirement plans that will help keep your employees happy and productive.

Other InvestmentsIn addition to personalized service, investment tracking and sound financial guidance from fully licensed, registered representatives, LPL Financial Services also offers a wide array of investment options, including:

u Stocks & Bonds.

u Mutual Funds.

u Fixed & Variable Annuities.

u Asset Accumulation & Allocation.

u Real Estate Investment Trusts.

* Restrictions, penalties and taxes may apply. Unless certain criteria is met, Roth IRA owners must be 59½ or older and have held the IRA for 5 years before tax-free withdrawals are permitted.

so you can make them fit your situation. IRA investment options include mutual funds, stocks, bonds and term deposits. The two most common accounts are Tra-ditional IRAs and Roth IRAs, and each offers different tax advantages.

Traditional IRAs—taxes on any earnings are deferred until you withdraw funds from the ac-count—letting your investments compound faster. To set up or make contributions to a Traditional IRA, you must not have reached age 70½ by the end of the year. You must start taking the minimum distribution on April 1 of the year after you turn 70½.

Roth IRAs—contributions are made with after-tax income, have tax-deferred growth potential and withdrawals are usually tax free—saving you tax dollars on the accu-mulated earnings. There are no age restrictions associated with setup, contributions or distributions.*

401(k) RolloversPart of the retirement process is deciding what to do with your 401(k) or other employer-spon-sored plan. Many employers allow retiring employees to keep their 401(k) with the company, but that means the company controls where your money can be invested. You can take control and build for retirement your way by rolling over your 401(k) into an IRA with LPL Financial Services available at Mountain America. We’ll provide you with hands-on help so your assets are allocated, diversified and invested the way you want, not the way your former employer decides.

Small Business Retirement PlansIf you’re a small-business owner, retirement planning is entirely in your hands. After all, no one else is looking out for you, which means it’s absolutely crucial to look out for yourself. We can help you lay out the best retirement plan for meeting your needs.

Put your money to work so you’ll have enough income to comfortably last you all the way through retirement. Call us today at 801-325-6260 or toll-free at 1-800-540-7670 to set up your FREE consul-tation. For more information, visit our website, www.macu.com.


*

Not credit union deposits Not insured by the NCUA or any federal government agency

Not obligations of or guaranteed by a bank, credit union or LPL Financial May lose value

Securities offered through LPL Financial, member FINRA/SIPC. Insurance* products offered through LPL Financial or its licensed affiliates.

*Insurance products may also be offered through Mountain America Insurance Services, LLC.

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Many older Americans are turning to reverse mortgages to supplement Social Security, meet unexpected medical expenses, make home improvements and pay for other expenses. Reverse mortgages allow them to convert part of their home’s equity into cash without having to sell their homes or take on the additional monthly bills they’d have with a home equity line of credit.

There’s virtually no limit to what you can do with your Mountain America reverse mortgage…

u Travel or take a dream vacation

u Buy a boat, RV or summer home

u Renovate for handicap access

u Get top-quality, long-term healthcare

u Pay off debts or taxes

u Finance your grandchildren’s education or even your own

…Anything you want.

You can also receive the money in any number of ways, including:

u A lump sum.

u Regular monthly payments.

u A line of credit.

u A combination of the three.

The only requirements are that you have equity in your home, you are at least 62 years old and you live in the house.

reverse mortgages— the mortgage that pays you

Contact your mortgage spe-cialist at 1-800-277-7703 or visit our website, www.macu.com.

reverse mortgages

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As we grow older, insurance pro-tection becomes more and more important. Being properly insured, however, is more than just protect-ing your health and assets; it’s also protecting your financial security. An unexpected twist could tragi-cally change your financial outlook and your life. That’s why the best strategy is to expect the unexpected.

Right now, as you’re planning for retirement, is a perfect time to evaluate and update your insur-ance coverage. Take a few minutes with a Mountain America Insur-ance Services representative and make sure you and your family are completely covered.

Term Life InsuranceYou probably already understand the importance of life insurance: you want to ensure that your fam-

ily is properly cared for and life will continue to run on course in the event of unforeseen tragedy. But you may not realize that term life insurance is an affordable alternative to the steep rates that come with a permanent (or whole) life insurance policy.

With term life insurance from Mountain America Insurance Services, you’ll have peace of mind knowing that your family is covered without breaking your budget. Term life insurance is:

Affordable—save hundreds of dollars every year.

Customizable—pick the coverage amount and term length.

Versatile—choose a term to ensure your child’s college education and your mortgage are covered.

insurance—protecting your family, home and health

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Homeowners InsuranceIf you own a home, chances are it’s your single most valuable as-set. That’s why protecting it is so important, especially leading up to and during retirement. After all, you’ll want to ensure you have a comfortable place to live.

Homeowners insurance provides financial protection against disas-ters. A standard policy covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This even includes damage caused by house-hold pets.

Damage caused by most disasters is covered but there are exceptions. You must buy separate policies for flood and earthquake coverage. Maintenance-related problems are your responsibility.

Steps to buying a homeowners insurance policy:

q Determine how much it would cost to replace the contents in your home.

w Make an inventory and take photographs of your personal possessions.

e Sit down with a Mountain America Insurance Services representative.

r Choose the policies that fit your situation.

Long-Term Care InsuranceWhile remaining comfortably in your home for the duration of your retirement is ideal, the truth of the matter is that more than 40% of all senior adults over the age of 65 will enter a nursing home during their lifetime. Unfortunately, many of these senior adults aren’t prepared to protect themselves against the

expenses associated with a pro-longed illness that requires special care. In fact, only one-third of retirees report they have long-term care insurance to help pay for care they might need in a nursing home, assisted living facility or at home.

Because we want to help you reach your retirement goals, we suggest you consider long-term care insur-ance to safeguard your assets and protect your financial stability.

Long-term care insurance may be right for you, if you:

u Have assets that you want to help protect and preserve.

u Want the freedom to choose the quality and location of care you receive.

u Want to know that your family could be spared from the high cost of an extended nursing home stay.

u Do not want your care to be a hardship on your loved ones.

Ensure Your Insurance is Up-to-DateYour life and everything in it can change without warning. Make certain your insurance policies are updated on a regular basis. We recommend reviewing your policies with an insurance expert at least once a year to guarantee all your bases are covered.

Insurance products offered by Mountain America Insurance Services, LLC, are not a deposit, not an obligation of or guaranteed by any credit union, not insured by the NCUA, and in the case of life insurance, may go down in value. Purchasing of insurance prod-ucts will not affect the extension of credit in any way.

Schedule your FREE consul-tation today. Call Mountain America Insurance Services at 801-325-6242 or toll-free at 1-877-276-7882.

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DESTINATION ASSURED · of your retirement and your future. The best strategy for long-term...

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