Many Americans race to save for retirement, but give little thought to how their money will be spent once they reach that milestone. Even if you've worked hard to create a comfortable financial cushion, you will need a plan once you've retired – one that involves saving, investing and withdrawing money. You'll want your funds to stretch; however, poor investment performance, the uncertainty of Social Security or medical problems could put a strain on your income. A well-protected nest egg can defend itself against these obstacles.

Health Uncertainties
Health problems can occur without warning, so it's best to be financially prepared. Long-term care insurance, which helps cover a nursing home stay or in-home care, may be an option for you. We can help you figure out if long-term care insurance makes sense for you.

Invest Wisely
Besides rising health care costs, another challenge facing future retirees is the uncertainty surrounding Social Security. Social Security benefits, on average, will supply 39% of a retiree's income.* Developing a diversified retirement portfolio, which may include an IRA, a 401(k) plan plus mutual funds, stocks, bonds and cash in a taxable account, can help keep your income flowing.

For More Details
Protecting your nest egg can be a challenge. If you'd like to discuss your retirement options with one of our Endura Financial Investment Services Representatives, please stop by or call 800.533.4004 to set up an appointment.

* Source: Fast Facts & Figures About Social Security, 2005, www.socialsecurity.gov.

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 financial institution, through the financial services program, to make securities available to members. FR020822-D36D