INVESTMENT SERVICES WORKSHOPS Empower yourself with smart financial strategies at our upcoming seminars, led by Teachers Investment Services.* Virtual Seminar Rethinking Diversification Learn about the challenges retirement savers are facing and new ways to manage investment risk. Tuesday, September 10, 2024, at 6:00 PM EDT Virtual Seminar Social Security & Your Retirement Learn the rules for starting your Social Security benefits, the different routes to take that could increase your benefits, and how Social Security fits within your retirement plans. Thursday, October 3, 2024, at 6:00 PM EDT Register for a workshop or schedule an appointment with a Teachers Investment Services representative today. Register Here *Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Teachers Federal Credit Union and Teachers Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Teachers Investment Services, and may also be employees of Teachers Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Teachers Federal Credit Union or Teachers Investment Services. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations And May Lose Value Teachers Federal Credit Union provides referrals to financial professionals of LPL Financial LLC (LPL) pursuant to an agreement that allows LPL to pay Teachers Federal Credit Union for these referrals. This creates an incentive for Teachers Federal Credit Union to make these referrals, resulting in a conflict of interest. Teachers Federal Credit Union is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information. LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AZ, CA, CO, CT, DE, FL, GA, IL, IN, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WI, WV. SMART ADVICE FROM OUR CEO Brad C. Calhoun President & CEO As we navigate the changing economic landscape, it is important to make informed financial decisions that protect and grow your wealth. With the Federal Reserve poised to reduce interest rates this fall, now is the time to review your savings strategies and debt obligations. Here are some tips to help you maximize your savings, manage debt, and effectively plan for the future: • Lock-in Higher Interest Savings Rates Now: The Federal Reserve has signaled that it is moving towards cutting short-term interest rates. Now is a great time to secure higher savings rates, such as those offered in our Certificates of Deposit (CDs). • Explore Refinancing or Restructuring Debt Obligations: Interest rates for loans and credit cards may decline slowly, but you can take proactive steps now. Consider refinancing high-interest debt or take advantage of your home's equity with a Home Equity Line of Credit to help reduce your overall financial burden. • Evaluate Your Loans: If you have variable-rate loans, keep an eye on rate changes. The Federal Reserve is anticipated to cut its benchmark interest rate this month from its 23-year high. If you are considering a large purchase or refinance, this could result in meaningful savings. Schedule an appointment with a Teachers financial expert to explore options that can help you achieve your financial goals. MAXIMIZE EARNINGS WITH A CD LADDER A CD ladder strategy is a great option for those who want to balance liquidity with higher returns on their savings. This approach involves diversifying your funds across multiple CDs with varying maturity dates. Not only does this strategy optimize your rate of return, but it also offers the flexibility to access your funds periodically. How a CD Ladder Works Determine the total amount of money you want to allocate to CDs. As CDs mature, you can reinvest the funds in a new CD or withdraw the funds. 3 1 CD NEW CD Open a series of CDs with staggered maturity dates. CD CD CD 2 Learn More Visit our website to learn more about Teachers CDs or to view our featured rates.
