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What Will Your Retirement Look Like?

Let's make sure your future is planned.

Retirement Planning

At Citadel Credit Union, we understand the road to retirement is different for everyone. Our award-winning team of CFS* Financial Advisors will help you build a personalized retirement plan that’s unique to your situation, lifestyle, and goals.

RWM

For Robert, that meant finding the time to craft his masterpiece.

For Pam, that meant traveling the world.

For James, that meant building a nest egg for his family.

Let’s Start the Conversation

As our valued member, you receive a complimentary consultation, including:

  • Retirement Income Preparation
  • Social Security & Medicare Review
  • Investment Management
  • Legacy & Estate Planning Strategies

Our Planning Approach

Your needs are our number one priority. When you meet with one of our CFS* Advisors, we will start by discussing your current financial situation and goals to determine the best course of action, whether you are currently preparing for retirement or it’s a long way off. 

retirement planning

What It Is

Our CFS* Financial Advisors will look at your unique circumstances — income, expenses, and goals — to help you create a personalized blueprint for mapping out your retirement needs.

  • Personalized, one-on-one service
  • Accessibility to answer your questions
  • A holistic approach
  • Flexibility to do what’s best for you

Check the background of this firm on FINRA’s BrokerCheck.

What You'll Get

Analysis

Your CFS* Financial Advisor will begin by assessing your present financial situation and evaluating your probability of having sustainable income throughout retirement based on your income versus expenses.

early retirement

Implementation

After analyzing your finances and goals, your CFS* Financial Advisor will help you understand the pros and cons of different accounts and build an investment strategy that is compatible with your timeline and level of risk tolerance.

401k plan

Monitoring

Your CFS* Financial Advisor will monitor your retirement account to help ensure that it continues to be the best fit. And when you’re ready to retire, we’ll create a plan to help you manage your retirement income.

401k plan

Schedule a Consultation Today!

Our CFS* Financial Advisors are able to meet with you at any Citadel location to discuss your retirement goals. Fill out the form below to get in touch with the Retirement and Wealth Management Team.

Referral Disclosure

*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.  Citadel has contracted with CFS to make non-deposit investment products and services available to credit union members. 

Our CFS* Investment Team

Robert Elwell
Robert Elwell
Senior Financial Advisor
citadel-financial-credit-union-ruthanne-monteleone
Ruthanne Monteleone
CFP®, Wealth Advisor
citadel-financial-credit-union-clint-smedley
Clinton R. Smedley
CFP®, CPWA®, CLU® Wealth Advisor
Seth Borders
Seth Borders
CFP®, CPWA® Senior Financial Advisor
citadel-financial-credit-union-aj-hiller
AJ Hiller
Senior Financial Advisor
Jared Stanley
Jared Stanley
CFP®, Senior Financial Advisor
Chris Scott
Chris Scott
CFP®, CTFA™, Senior Financial Advisor
Joseph Herron
Joseph Herron
RICP®, Senior Financial Advisor

Webinar Series

Webinar Series #1: The Real Cost of Retirement

Webinar Series #1: The Real Cost of Retirement

The cost of retirement may be more than you think. Take a look at this recorded webinar hosted by Clinton R. Smedley, CFP®, CPWA®, CLU® Wealth Advisor. Learn About: Evaluating your retirement needs and set a goal Developing a retirement strategy Protecting your nest egg When to retire Social security basics Identifying the income gap in retirement Special challenges for women in retirement The cost of retirement Sources of income in retirement Start your retirement planning today! Learn more at citadelbanking.com/invest/retirement-planning

Webinar Series #2: Building a Comfortable Retirement Lifestyle

Webinar Series #2: Building a Comfortable Retirement Lifestyle

Planning for retirement begins with adjusting your spending habits to support your future. In this recorded webinar, hear from our own Jared Stanley, CFP, about evaluating your retirement needs and setting a goal, as well as developing a strategy and making smart money moves. Learn more at citadelbanking.com/invest/retirement-planning

Webinar Series #3: Retirement Strategies for Women

Webinar Series #3: Retirement Strategies for Women

According to a 2022 Goldman Sachs Report, only 20% of women receive 70% of their pre-retirement income, the amount experts say retirees need in order to maintain their standard of living. In this recorded webinar, hear from Citadel's Wealth Advisor, Ruthanne Monteleone, CFP® about savings challenges for women and strategies to overcome them. Learn more at citadelbanking.com/invest/retirement-planning

Contact our team to start your retirement planning journey today!

Get Started
Best places to work 2023
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Daily Local News Best of Chester County Readers Choice Winner
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Fortune recommends 2023
      

*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 Citadel, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Citadel has contracted with CFS to make non-deposit investment products and services available to Citadel members. The CFS advisors and investment program at Citadel have received numerous proprietary awards from CUSO Financial Services, LP based on sales and/or assets under management.

Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

The pacesetters awards recognize the top revenue producing advisors at CFS from among hundreds of credit union programs.

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