Page 7 - 2023 Vol 13 Issue 8 Zone 1 Tri-City Kitchens
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                                Better Loan Options
                                   With You In Mind.
                                                                                                                 A+ Rated

                                                                      WHY TAKE THE CHANCE...
                                                                      WHY TAKE THE CHANCE...WHY TAKE THE CHANCE...
                                                                      WHY TAKE THE CHANCE...

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 Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees and expenses, and services o ered. A Financial Advisor can help educate you regarding your choices so you can decide   summer fun and make no payments    SINCE 1950
 which one makes the most sense for your speci c situation. Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax professional before taking any action.  for 60 days!
                                                                              Over 70 Years of Automotive Excellence
 Investment and Insurance Products:  • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value  APPLY TODAY!
 Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-banka liate of Wells Fargo & Company.   CALL: 856-666-2494
 © 2020 Wells Fargo Clearing Services, LLC. CAR-0122-02658  *Payments can be made during the 60-day deferral period. During the 60-day deferral period, interest will   Federally Insured    APPLY ONLINE:
           Members 1st of NJ FCU. Contact Credit Union for complete details.   By NCUA
                                                                        759 Foster Avenue | Vineland
 Ask these four questions to
 Financial Expert Contributor
 help you prepare for retirement

 2. Where will I be living?  Decide to adjust your spending patterns today.   Live • Dine • Shop • Enjoy
 • Will I stay in my current home or downsize   Choose something you really don’t need and
 to something smaller or a rental property?  redirect that amount into your retirement savings.
 Take advantage of growth potential over time. Pay
 • Will I move to a retirement community or   yourself first instead of spending money on
 assisted living facility?
 something that won’t support your future
 • Will I sell my home and replace it with an   retirement needs. Creating that nest egg now
 RV or other alternative living option?  could reduce your stress about money.
 3. What situations could impact my expenditures?  Start or add to an emergency fund. Even if the   JUNE  2023
 Brandon A Kuhn RICP®  • What health care coverage do I need for my   amount seems very small, it’s important to take   10  RUNNING  JUNE
 health conditions?  the first step. As that amount grows and the   2023
 Wells Fargo Advisor  behavior becomes a habit, you will likely gain      25
 • Do I have an emergency fund for unexpected                                           Calendar of Events

 To determine how much you will need to fund   situations such as a health care crisis or   confidence and momentum in your investment
 your retirement, it’s helpful to estimate what your   property loss due to a natural disaster?  On The Ave  Pumpkin  OCTOBER
 budget will look like. These four questions could   • What if I stop working sooner than expect-  Meet with a financial advisor to review your   & Volunteer Recognition  Patch Party  28
                                                   A Taste of Vineland
                                                                Patch Party
 help you identify your retirement lifestyle and   ed?  answers and turn your outline into a plan to help   Check out our events calendar
 plan for the related costs.    you work toward your goals.
 • What happens if I experience a significant   AUGUST     OCTOBER             
 income loss?  Variable annuities are long-term investments suitable for retirement   25
 1. What will I be doing?  funding and are subject to market fluctuations and investment risk.  27
 • Do I plan to continue working past age 65 or   4. What barriers are keeping me from investing?  Investment and Insurance Products are:
 after I reach my full retirement age? Full   • I have nothing extra to invest.  • Not Insured by the FDIC or Any Federal   NOVEMBER  Fashioned
 time or part time?  • I have education loans or other debt.  Government Agency  Weddings  25  DECEMBER
 • Are there hobbies I want to pursue that will   • I don’t know how to start an investment plan.  • Not a Deposit or Other Obligation of, or   On The Ave  ON  1-2
 either cost money or make money?  Guaranteed by, the Bank or Any Bank Affiliate  NOVEMBER  Christmas
 • I have time to start saving later.  • Subject to Investment Risks, Including Possible
 • Is there volunteer work that may also have   1-14  Parade
 costs associated?  Next steps  Loss of the Principal Amount Invested
 • Do I plan to travel? Where?  Wells Fargo Advisors is a trade name used by Wells Fargo
 Prepare rather than panic. Create an outline   Clearing Services, LLC, Member SIPC, a registered broker-deal-
 • Are there things I enjoy that have related   from your answers to these questions. It should   er and non-bank affiliate of Wells Fargo & Company. This
 advertisement was written by Wells Fargo Advisors and provided
 costs?  give you the framework to calculate the income   to you by Brandon A. Kuhn.  Main Street Vineland  |  603 E. Landis Ave.  |  856-794-8653
 you may need to support your retirement lifestyle.  ©2022 Wells Fargo Clearing Services, LLC.
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