Retirement Planning

Retirement Services

Create your retirement plan with confidence.

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Jeanne and Jim N., Mukilteo

Contact BECU Investment Services

BECU Investment Services

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Whether you've just started your first job or you're just around the corner from retiring, we can help you create a personal retirement plan portfolio.

We'll help identify your funding resources, develop a savings and investment plan and tailor investments to help address the levels of income you'll need. If you're retired, approaching retirement or are still years away, Financial Advisors** at BECU Investment Services can create personalized strategies to address your current and future needs. Meet the BECU Investment Services Team.

You're Worth Investing In

Read our Pursue Your Dreams brochure to see how BECU Investment Services can help you build a financial road map that matches your goals today and in the future.

Pursue Your Dreams Brochure (PDF)

Planning for Retirement

How much money will you need to retire comfortably? Do you have a plan? Will your money last throughout your retirement? Financial advisors can help you project the amount you may need to save towards your goal and plot your next steps.

Nearing and Transitioning to Retirement

Did you know that in recent surveys, Americans are not saving enough for retirement? In the years leading up to retirement, you'll want to figure out when you can retire, determine how long your nest egg will last and the kind of lifestyle you might expect. We're here to get to know you and work to understand your goals so we can discover, plan, implement and monitor a financial plan and investment strategy that addresses what matters most to you. Our disciplined process utilizes a five step plan to develop a complete financial framework for your future.

Once you retire, you'll need to effectively manage your withdrawals and expenses from your retirement savings. Financial Advisors can work with you to develop a detailed withdrawal plan and help to prepare for unexpected life events.

Retirement Solutions

  • Traditional IRA - An option for anyone with earned income. Contributions grow tax-deferred until they're removed.

  • Roth IRA - Offers more flexibility than Traditional IRA around how and when money can be withdrawn. Unlike traditional IRAs, there's no Required Minimum Distribution when you turn 72.

  • Weighing your 40lk, VIP, 403B Options at retirement or job change - Should you take the cash out? Leave your money where it is? Or roll it into an IRA? We can explain your options and help you consider the benefits and limitations of various options.

  • Required Minimum Distributions - Mandatory distributions are required at age 72. We can help calculate what you need to do to help avoid tax penalties.

  • Cash flow analysis and income planning

Five Key Risks to Pursue a Successful Retirement

It is clear that Americans are living longer than ever before. As a result, your retirement assets must be structured with the goal to provide you with income for as long as you will need.

Over a period of years, exposure to even moderate or low inflation rates can have a dramatic impact on your spending power. Work with your financial advisor to pursue your financial goals and help keep up with inflation that could potentially drag you off course.

Addressing increasing health care expenses must be a key component of any retirement roadmap. Determine what investment and insurance vehicles can best manage your health care risk to help ensure that whatever your future needs, you are confident in your ability to address them.

Asset allocation* is the process of dividing invested asset classes such as stocks, bonds, cash and real estate to help manage risk. Asset allocation does not ensure a profit or protect against a loss. Your financial advisor can help balance your risk with your objectives to pursue your goals.

Discussing your future income needs with your financial advisor can help you to get an idea of the expenses that lie ahead, both planned and unexpected. From there your advisor can map a strategy that may allow you to withdraw money when you want it while leaving enough in reserve to pay for emergency expenses and help ensure your assets don't run out too soon.

*Asset Allocation can not guarantee a profit or protect against loss.

**Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. BECU and BECU Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using BECU Investment Services, and may also be employees of BECU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, BECU or BECU Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please read the LPL Financial Relationship Disclosure more detailed information.

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

LPL Tracking # 525739-02-01