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Annual Meeting Notification

Attend the 2022 Annual Meeting
WhenSaturday, March 26, 2022
9:30 am — Registration
10 am — Meeting
WhereClayton E. Hutcheson Exhibition Hall*
Directions to559 N. Military Trail
West Palm Beach, FL 33415

In accordance with the credit union's by-laws, the President is presenting to the membership the nominees for one open Board position.

Nominees for Open Board Positions
NomineeTerm
Brendan Lynch
(Unopposed)
3 year term

There were no additional applications or petitions received by the November 30, 2021 deadline. The Board voted in favor to downsize the total number of board seats to seven which is permissible under our by-laws.

IMPORTANT
Location and details are subject to change based on the Covid-19 Pandemic. More information will be forthcoming so please stay tuned for details.

A smartphone with the Guardians One CardControl app open.

Guardians One Card Control

Guardians One CardControl helps you control your debit and credit cards through your mobile device, making it easy to set alerts and manage your finances on the go.

Benefits of CardControl include:

Fraud Protection

  • Real-time alerts keep you informed when your cards are used.
  • Transaction controls allow your cards to work only in specific locations or geographic areas.
  • When your cards are "off," no withdrawals or purchases will be approved.

Control Spending

  • Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores.
  • Establish controls by location and change parameters via your mobile device.

Review Balances and Transactions

  • Monitor your finances anytime, anywhere by using the app to check your account balances or review recent card transactions.

Download the Guardians One CardControl app for Apple iOS and Google Android devices and register your cards today.

The Town of Palm Beach Federal Credit Union logo.

We've Expanded Our Family

It is with great pleasure we announce the merger with Town of Palm Beach Federal Credit Union as of January 1, 2022. We are excited for the opportunity to serve Town of Palm Beach Employees and their families. Please help us welcome TPBFCU, A Division of Guardians Credit Union to our family!

A young woman using a smart phone.

Take Advantage of CO-OP Shared Services

There's always a branch within reach!

Guardians Credit Union appreciates that you love 'banking' with us and that's why we provide you with access to a network of over 5,500 credit union branches nationwide. In other words wherever you live, work, or play. To find the nearest branch:

  • Visit Co-Op Shared Branch to find a branch.
  • Download the CO-OP Shared Branch App for iPhone or Android.
  • Text a Zip Code to 91989 to find nearby Shared Branch Locations (SB = Shared Branch SBX = Shared Branch Express).
  • Call 1-888-748-3266 for more info.
A close up of dollar bills spread over each other.

Three Key Questions to Answer Before Taking Social Security

When to start? Should I continue to work? How can I maximize my benefit?

Provided by Jack Ramsay

Social Security will be a critical component of your financial strategy in retirement, so before you begin taking it, you should consider three important questions. The answers may affect whether you make the most of this retirement income source.

When to Start?

The Social Security Administration gives citizens a choice on when they decide to start to receive their Social Security benefit. You can:

  • Start benefits at age 62.
  • Claim them at your full retirement age.
  • Delay payments until age 70.

If you claim early, you can expect to receive a monthly benefit that will be lower than what you would have earned at full retirement. If you wait until age 70, you can expect to receive an even higher monthly benefit than you would have received if you had begun taking payments at your full retirement age.

When researching what timing is best for you, it's important to remember that many of the calculations the Social Security Administration uses are based on average life expectancy. If you live to the average life expectancy, you'll eventually receive your full lifetime benefits. In actual practice, it's not quite that straightforward. If you happen to live beyond the average life expectancy, and you delay taking benefits, you could end up receiving more money. The decision of when to begin taking benefits may hinge on whether you need the income now or if you can wait, and additionally, whether you think your lifespan will be shorter or longer than the average American.1,2

Should I Continue to Work?

Besides providing you with income and personal satisfaction, spending a few more years in the workforce may help you to increase your retirement benefits. How? Social Security calculates your benefits using a formula based on your 35 highest-earning years. As your highest-earning years may come later in life, spending a few more years at the apex of your career might be a plus in the calculation. If you begin taking benefits prior to your full retirement age and continue to work, however, your benefits will be reduced by $1 for every $2 in earnings above the prevailing annual limit ($17,640 in 2018). If you work during the year in which you attain full retirement age, your benefits will be reduced by $1 for every $3 in earnings over a different annual limit ($45,360 in 2018) until the month you reach full retirement age. After you attain your full retirement age, earned income no longer reduces benefit payments.2,3

How Can I Maximize My Benefit?

The easiest way to maximize your monthly Social Security is to simply wait until you turn age 70 before claiming your benefits.1,2

Jack Ramsay may be reached at 561-686-4006, ext. 1120 or jack.ramsay@cunamutual.com

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note — investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Citations
1nerdwallet.com/blog/investing/take-social-security-benefits/ [5/18/18]
2thestreet.com/retirement/social-security/maximum-social-security-benefit-14786537 [11/20/18]
3fool.com/retirement/2018/12/01/4-things-you-need-to-know-about-filing-for-social.aspx [12/1/18]