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Are You on the Right Road to Retirement?

FSCU Investment Services
Realize your financial goals with solutions tailored to your needs. For a no cost, no obligation meeting, contact the FSCU Investment Services Representative for assistance with mutual funds, insurance needs and more.

New Rules in 2010 May Help You Save on Taxes
Before 2010, conversions from a traditional IRA to a Roth IRA were available only for those making $100,000 or less in modified adjusted gross income (MAGI). Beginning in 2010, though, the income limit goes away and everyone is eligible. Not only that, for conversions done in 2010, the taxes due when switching to a Roth IRA can be deferred and spread across two years - 2011 and 2012. For those considering a Roth conversion, that could provide real advantages.

Are You on the Right Road to Retirement?
Just how confident are you that you'll have enough money set aside for your retirement? Do you feel good about how you're investing the dollars you've already saved? Find out where you are at with our Retirement Road Test today!

Calculators
Access the tools you need to organize your financial life. You will find financial workbooks featuring a dozen integrated calculators, as well as checklists and tips. You can estimate how much to save for retirement or how much life insurance you need.

Articles
Our financial education articles provide you with a vast amount of information concerning your financial well-being.

Trust Services
You can get help with tax savings strategies, estate settlement, asset management services, charitable giving, life insurance trusts and more through MEMBERS™ Trust Company.

Market News Dow closes below 10,000 for first time in 3 months
NEW YORK - The Dow Jones industrial average closed below 10,000 for the first time in three months Monday on nagging concerns about debt loads in Europe.Mounting deficits in weaker European economies including Greece, Portugal and Spain have raised questions about the health of the global financial system. Feb 08, 06:02 PM

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Symbol Last Change
MBOAX10.14 -0.02
MHNAX6.70 -0.02
MBLAX10.30 -0.06
MGWAX10.65 -0.12
MCAAX13.45 -0.07
MICAX8.66 -0.05
MERAX5.07 -0.02
MASVX8.53 -0.12
MASGX N/A NaN
MINAX9.35 -0.01
MCNAX9.42 -0.03
MMDAX8.77 -0.04
MAGSX8.15 -0.05

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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 (800) 369-2862. 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. 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.

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