Smart Women are Smart About Their

Money

Saratoga's Community Federal Credit Union

Member Education Series

Our commitment to the mission of making a meaningful difference in the financial well-being of our members and community continues to live in the credit union today. And from speaking with our members we understand that your needs sometimes include retirement planning, investment advice, insurance, long-term care planning, and estate planning services. That’s why we are proud to introduce a new member benefit through Sterling Manor Financial LLC. Through this offering Sterling Manor will provide members like you with access to one-on-one personal financial planning.

We're offering a series of FOUR different workshops, where you will learn about your finances, and how to take control of them. Discover a budgeting system that works for you. Define your personal financial goals. Find ways to make your dreams a reality.

Committed to Our Members

Securities and investment advisory services are offered solely through Cadaret, Grant & Co., Inc. Member FINRA/SIPC. Saratoga’s Community Federal Credit Union, Sterling Manor Financial and Cadaret, Grant are separate entities. Securities and other products/services are not NCUA insured, not obligations of the Credit Union, not guaranteed by the Credit Union, may involve investment risk.

May 3^rd - Where to start your financial journey

Join us for a revealing trip through successful investing and saving strategies developed especially for you:

• Learn the basic principals that guide all investing without the intimidating jargon
• Find ways to take on life's challenges without damaging your future financial well-being
• Discover more about yourself with the Financial Personality Activity
• Take part in group discussion to break down what your real goals are, and develop strategies to reach them

May 10^th - Building a financial base

Start caring for your financial well-being now. It's never too early to begin saving, and the sooner you do, the happier you'll be down the road:

• Understand your income and your outflow, and how to balance them to your advantage
• Identify your key expenses and learn how to manage them more effectively
• Discover how saving a little now can help you earn a lot more later on
• Budgeting - Tailor a system that works for you and your family
• Make a plan for your finances, and your financial future

May 17^th - Women building empires - Stocks, Bonds, Mutual Funds- Oh My!

 A lively, interactive way to learn about financial tools:

• Understand how to manage your money
• Explore the difference between stocks, bonds, and mutual funds
• Discover how ETFs work
• Learn what diversification really means
• Understand how to read your statements

May 24^th - Making your goals a reality.

Learn what you can do to make your goals come true on-schedule. It's never too soon to get started!

• Uncover the challenges that women face - and how to overcome them
• Identify your "retirement vision" - how much you'll need and when - so you can have the retirement you want
• Define the simple steps to getting your finances on-track to reach your financial goals
• Learn the unique characteristics of your financial plan and what it means to you