Our approach

Preparing for retirement should be something you’re excited about, not something that keeps you up at night. Your Financial Advisor is here to help you identify opportunities to increase income, reduce tax burdens and minimize worry. At OnPoint, we treat members like family. We’ll carefully guide you through your options so you can make informed decisions.

Understand

Take stock of your current financial situation. We’ll discuss the ins-and-outs of your retirement components.

Evaluate

Identify your anticipated pension and Social Security benefits. Together we’ll compare how these benefits impact your needs and future goals.

Recommend

Choose your path based on personalized recommendations from your Financial Advisor. We’ll answer any lingering questions and advise on the plan you select.

Support

Put your plan into action with confidence, knowing your Financial Advisor will be here to help all along the way. Life happens, we’ll be here when it does.

Continue living your best life.

It’s important to understand the options and benefits associated with Social Security. If you are a public employee, you’ll also need to make decisions related to your Public Employees Retirement System (PERS) plan. We’ll simplify the complexities so you can feel confident in your retirement plan.

Social Security benefits

You can begin drawing from your Social Security as early as age 62 and as late as age 70. Factors such as when you elect to receive benefits and whether you work while drawing Social Security can impact the benefit you receive. We’ll help you navigate how different choices can impact your overall retirement plan.

Public Employees Retirement System

PERS is a pension program for employees of public entities. Your plan depends on your employer and when you established membership in the program. Factors such as retirement eligibility, optional service credit and health care coverage can impact your future monthly benefit. This can be complicated and we’ll help you make sense of it all.

Comprehensive retirement planning

The choices you make now can impact your quality of life after you retire. What are your expectations and needs? Will you cut back spending? Will you increase travel? When will your retirement funds run out? Would you like any funds left over for family members? We help you define a strategy that focuses on what’s important to you and help build an actionable plan that works.

Attend a free PERS or Social Security seminar.

Our goal with this resource is to help those in our community make well-informed financial decisions. Through Raymond James Financial Services, Inc., our Financial Advisors have the tools they need to help you make those decisions.

Attend a free PERS or Social Security seminar.

As you approach retirement, it is more important than ever to understand the role that Social Security can and should play in your overall retirement income plan—learn how Social Security benefits work for you and your spouse, and potential opportunities you may have to increase your benefits throughout retirement. We also host seminars to help educate public employees about the various factors that may impact their retirement plans. Optionally, seminar attendees may set up a complimentary one-on-one financial consultation to review their unique financial situation.

Register for an upcoming seminar

Take advantage of complimentary, no obligation investment workshops at OnPoint offered to the public and designed to help you make wise investment decisions.

Financial planning seminar

Take control of your future.

Schedule a consultation.

Request an appointment

Stop by an OnPoint branch.

Find a nearby location or ATM

Give us a call.

Disclosures

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured by credit union insurance, the NCUA, or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. OnPoint Community Credit Union and OnPoint Wealth Management & Investment Services are not registered broker/dealers and are independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.

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