SMCU OnLine Login
User ID


Password

Enroll in SMCU OnLine
Forgot Password

Retirement Articles

Review Your Social Security Record - The Social Security Administration is sending reports titles "Personal Earnings and Benefit Estimate Statement." This report shows your history of earnings and benefit estimates. Learn what to look in your report.

An IRA Refresher - Individual retirement accounts are the basis of many individuals retirement planning. Even with a company retirement plan, the right IRA can help business owners accumulate the wealth they desire.

Are You Aware of the New Benefits of IRAs? - The 2001 Tax Law improved an already good financial planning tool. Increased contribution limits and the potential for additional contributions by those ages 50 and over make these accounts better than ever.

IRA or Roth IRA? Many individuals have the opportunity to convert their traditional IRA to a Roth IRA and enjoy some additional benefits. However, there are restrictions and costs. You should examine this opportunity to see if it is right for you.

IRAs for Teens - Many teenagers have income from summer or part-time jobs. Establishing a Roth Individual Retirement Account may be the beginning of a secure financial foundation. It can also help the teen develop some good savings habits.

Take Full Advantage of Your Employer's 401(k) Plan - This popular type of retirement plan can be a major source of wealth. Understanding more about 410(k) plans will make your decision making easier.

Taking Money Out of Your IRA - Many people think of an IRA only as a savings tool. Yet, at some point, every dollar in an IRA will be distributed. Learn how different tax rules apply at different times of your life.

Understanding the Social Security System - The Social Security system is the foundation of many individual's financial plan for retirement. This article includes information on benefits and costs of this important part of retirement planning.

Rethinking Retirement - The recent decline in the stock market is causing many to re-evaluate how to save for retirement, when to retire and how to live after retirement. There are several things to consider as you plan for a financially secure retirement in light of the current stock market.

Can $3000 IRA Contributions Really Add Up? - A wise person once said that humans tend to over-estimate what they can accomplish in the short-term and under-estimate what they can accomplish in the long-term. This holds very true for IRA contributions.

What Should You Expect to Receive from Social Security? - Social Security retirement benefits are usually only one source of retirement income. This article describes current average benefit levels.

5