With the future of Social Security uncertain and the power of company pension plans diminishing, you'll be more secure in your golden years if you take action today.

Of course, putting money in a Novation savings account is good. But with your future at stake, you might want to explore more lucrative investment options. In order to offer you exceptional depth and breadth in the investment products we offer, we've chosen to partner with a nationally-known investment company. Besides being well-respected, Financial Network Investment Corporation (FNIC) is a member of the SIPC. Representatives are available to meet with you by appointment. Call us at 651-739-8080 or 800-369-6628.

If you're wise, you won't rely solely on your Social Security checks for comfort.

Individual Retirement Accounts (IRAs)
One of the most popular retirement planning vehicles, an IRA gives you access to many types of investments. All or part of your contributions may be tax deductible, and your earning may be tax-deferred until withdrawn*.

Fixed or Variable Annuities**
Annuity contributions are not tax-deductible, but your earnings are tax-deferred*. An annuity may be preferable to an IRA because you can contribute a much larger amount per year, which increases your amount of tax-deferred earnings.

Tax-Exempt Securities
These consist of municipal bonds and mutual funds that invest in mutual notes and bonds. They may be exempt from federal and/or state taxes. However, income from them may be subject to the Alternative Minimum Tax*. Offered through FNIC.

* Consult a tax advisor regarding tax liability.

Other Investments Available

•	Mutual funds
•	Stocks and bonds
•	Fixed and variable annuities
•	Traditional, Roth and Education IRAs
•	Business retirement plans

We believe it's he (or she) with the most expert advice who wins.

Planning for Life
Planning for your financial future isn't a simple task. And the complexity of today's economic environment only adds to the challenge. But no matter where you are in life, you can look to us to customize a sophisticated, long term plan that will help you get where you want to go.

•	Retirement planning
•	Retirement distribution planning
•	College planning
•	Estate planning
•	Tax-advantaged strategies
•	Life and disability insurance
•	Long term care planning
•	Asset management
•	Classic financial planning
•	Small business planning

For information, call an Investment representative at
651-739-8080 or 800-369-6628.

NOT NCUA INSURED. MAY LOSE VALUE. NO CREDIT UNION GUARANTEE.

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