Planning for the Future: Pensions Are Just The Beginning
The advisors at Hawaii State Investment Services are ready to talk to you about your retirement goals and help you plan for a better financial future.
Employees with pension benefits may be rare, but financial advisors at the Hawaii State Investment Services (HSIS)* see them every day. While the credit union serves a broad market, state employees still constitute their largest base. “Our financial advisors are well versed in building a plan based on their pension, deferred comp, or Social Security benefits, and can fill potential gaps, such as long-term care coverage, insurance or estate planning,” says David Kimura, HSIS vice president and program manager.
Sean Umetsu, an HSIS senior financial advisor and certified financial planner, says that employees with pensions can become complacent about opportunities to grow their money and further improve their lives. By adjusting how they invest, they might find they can comfortably afford more of the things they enjoy, like nice dinners or traveling to new places. “During planning, sometimes we come across situations where they may be investing their funds too conservatively for their situation,” Umetsu says. In those cases, by repositioning investments according to their time frames, their goals and their risk tolerance, “we find adjustments that add value to their retirement, or even ultimately their beneficiaries.”
*Hawaii State Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither Cetera Investment Services, nor Cetera Investment Advisers are affiliated with the financial institution where investment services are offered. Cetera is under separate ownership from any other named entity. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.
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