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Saving for retirement is not easy. You'll be confronted with many questions ... and you'll need to answer them or it could wind up costing you.

• How much do I need to save each year?
• What will my expenses be in retirement?
• ow much should I put in my 401(k) plan?
• Should I buy an IRA?
• When can I afford to retire?
• How should I invest my retirement savings?

Then comes the toughest question of all. How do I convert my retirement savings into retirement income once
I decide to retire?

Find out now if you're on track. Take the Retirement Road Test.
Take the Retirement Road Test now to determine if you're on track or need to change your course. As a GEMC FCU member, you can receive a complimentary retirement analysis. The output is straightforward and will rate your current progress with a red, yellow, or green light. All you have to do is complete 10 easy questions.
You'll receive a customized report and can contact a MEMBERS Financial Services representative for more information and a detailed analysis of your retirement plan.

Red, yellow, or green light?
It's easy to find out where your retirement is headed. Access the Retirement Road Test by going to www.gemc.org. Click the “Members Financial Network” link under the services tab, then click the Members Financial Network logo. Completing the 10 questions is quick and easy, and with a click of a button you can take your retirement plan out for a test drive.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financialinstitution, through the financial services
program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The Representative may also be a credit union employee that accepts deposits on behalf of the financial institution.