Plan for Retirement Today, Build Strength for Tomorrow

Sit down with one of our CFS* financial advisors for a complimentary consultation to discuss your goals for retirement life and build a customized plan just for you.

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. 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 Mapping

Our Planning Approach

Your needs are our number one priority. When you meet with one of our retirement planning specialists, 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

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 our Retirement and Wealth Management Team.

*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 Investment Team

Robert Elwell, Senior Financial Advisor
Robert Elwell
Senior Financial Advisor
citadel-financial-credit-union-david-layo
David Layo
RICP® Wealth Advisor
citadel-financial-credit-union-ruthanne-monteleone
Ruthanne Monteleone
CFP®, Wealth Advisor
citadel-financial-credit-union-clint-smedley
Clinton R. Smedly
CFP®, CPWA®, CLU® Senior Financial Advisor
investments
Seth Borders
CFP®, CPWA® Senior Financial Advisor
citadel-financial-credit-union-aj-hiller
AJ Hiller
Senior Financial Advisor
Jared Stanley, Senior Financial Advisor
Jared Stanley
CFP®, Senior Financial Advisor
Chris Scott, Senior Financial Advisor
Chris Scott
Christopher Scott, CFP®, CTFA™, Senior Financial Advisor
Joseph Herron, Senior Financial Advisor
Joseph Herron
RICP®, Senior Financial Advisor
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Contact our team to start your retirement planning journey today!

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*Agreements and Disclosures

View *Agreements and Disclosures

*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.