Sun East Retirement & Investment Services (SERIS)
Where do you see yourself in 5, 10, or even 20 years? Do your financial plans and investments align with those goals? Sun East Retirement & Investment Services has experienced professionals who are here to help you plan for the future today.
Sun East Retirement & Investment Services (SERIS)
Sun East Federal Credit Union members have access to an experienced financial professional as part of their membership benefits. Through a complimentary consultation, a representative of Sun East Retirement & Investment Services, serving Sun East Federal Credit Union, will review your finances and work with you on a plan to help you pursue your short-term and long-term financial goals. SERIS is offered through LPL Financial (LPL), a registered investment advisor and broker-dealer.1
We’re Here to Help
Navigating the financial landscape doesn’t have to be daunting, we can help you gain a better understanding and ensure you’re on the right path to pursue your financial security and goals.
- Roth & Traditional IRA’s
- Life Insurance Options and Planning
- 401K, 403B, 457B/Pension Rollover Services2
- 529 College Savings Plans
- Retirement Investment Planning
- Fixed, Index, and Variable Annuities
- Mutual Funds
- Managed Money
Where Are You in Your Investment and Retirement Planning?
Whether you are in the beginning stages of planning your retirement, getting ready to retire soon, or already retired and still have questions, we’re here to help. As you review the most frequently asked questions below, you may find you have similar questions…and we can answer them!
Retirement Income Planning
- How much money do I need to comfortably retire?
- Will my retirement savings be enough to last my lifetime?
- How much money each month can I expect in retirement and where will it come from?
- Once I retire, how do I replace the paycheck I have been receiving?
- When should I start collecting Social Security?
401K and Pension Rollover Services
- When I retire or change jobs, what do I need to do to make sure my retirement plans are protected from taxes and positioned for my future?
- How can I invest my rollover?
- What are the tax rules and ramifications associated with my retirement account(s)?
- Are there taxes or penalties for rolling over or transferring my 401K or pension?
IRAs
- What is the difference between a Traditional and a Roth IRA and which type is right for me?
- Am I able to contribute to a plan while also adding to my retirement plan through my employer?
- Can I move my Traditional IRA into a Roth IRA?
- How much can I contribute annually to an IRA?
Tax Advantage Investing
- How can I proactively keep my taxes down by placing my money in the correct accounts?
- Are there special investments that can help to lower my tax burden?
- How do tax-deferred and tax-free investments fit into my overall investment strategy?
Legacy Planning
- How do I proactively establish a plan to ensure that my wealth is passed to the right people most efficiently?
- Do I need a will or a trust?
- Should I update my beneficiary designations?
- Should I consider life insurance to protect my estate?
Education Planning
- What are the various vehicles to save for my children’s or grandchildren’s education in the future?
- How much money will I need to save or spend in the future based on the inflation in the cost of education over time?
- What will my child’s education cost and how much should I save?
- How do 529 College Savings Plans work?
Life Insurance Planning
- Do I need life insurance?
- How much insurance do I need?
- Is my old life insurance policy still the best option for my current needs?
- What are the different types of life insurance?
Annuities
- What is an annuity?
- What is the difference between fixed, indexed and variable annuities?
- Is an annuity right for me?
- How can an annuity help me address my retirement income goals?
Ed Ranieri, ChFC
Vice President, Wealth Management
Ryan Anger, ChFC
Investment Representative
Kristin Haines
Administrative Assistant