FAIRWINDS Credit Union October 2011 ADVOCATE for Members
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All of Your Insurance Solutions are Here at FAIRWINDS!

We are now able to offer you even more value and convenience through our new full-service insurance agency. Whether you are looking to purchase or renew a policy, we can help you with all of your insurance needs including:

Auto Auto & Motorcycle Auto Business
Auto Homeowners Auto Life Insurance
Auto Renters Auto And more!

Why pay more for your insurance when you don't have to? Get your free, no obligation quote today by visiting our website or by calling 800.632.9541, Monday - Friday, 8:00 a.m. - 8:00 p.m.

Consolidating Retirement Plan Assets

If you're like most people, you've probably worked for a number of different employers. The average American changes jobs eight times during the course of a 30-year career, leaving their retirement assets behind with their previous employer. If you are preparing to leave your current employer, make sure you know all the options when it comes to your retirement assets. For example, you can:

Leave retirement assets in your former employer's plan, if they allow it.
Transfer assets to your new employer. Current tax laws make this much easier.
Take the money as cash. This option could include a 10% tax penalty if you're under the age of 59½. (Consult a tax advisor.)
Roll the money into an IRA. Money in a 401(k) plan or a 457 plan can be transferred into a 403(b) plan or vice-versa and money in a rollover IRA can be transferred into your current employer's IRA plan.

Why consider an IRA for your retirement assets?

Substantial taxes can be avoided. Consult a tax advisor for more information.
Tax benefits are preserved.
You gain access to more investment options.
Avoid lump-sum distribution temptation.

How you choose to handle your retirement assets could have a lasting impact on the type of retirement you enjoy. That's why we encourage you to make an appointment today with a FAIRWINDS Financial Advisor, through CFS.*

Call 407.282.6039 or visit our website to schedule your no cost, no obligation appointment. And start taking control of you financial future today!

shredfest Shred Fest in Longwood

Saturday, November 19
800 E. State Road 434
Longwood, FL 32750
9:00 a.m. - 1:00 p.m.

Protect yourself from identity theft by safely destroying your personal documents and papers in our shred truck, courtesy of Crown Shredding.

Click here to see all of the upcoming Shred Fest dates and locations. Start planning ahead now to clear the clutter and visit your nearest Shred Fest location.

Due to heavy volume, guests may bring a maximum of five boxes of personal documents per vehicle to shred. Shred Fest is hosted once a month and you are invited to attend as many events as you wish.

Shred trucks are available until 1:00 p.m. or until capacity is reached.

Step Out: Walk to Fight Diabetes

Saturday, November 5
Lake Baldwin Park
Orlando, FL 32803

7:00 a.m. - 8:00 a.m.

Walk Starts:
8:30 a.m.

Calling all walkers! Join the FAIRWINDS team as we take a stand against diabetes at the American Diabetes Association's annual "Step Out" walk.

If you can't make it to the walk, you still have time to stop by your favorite branch and purchase a College Bear. Bears are on sale for $10 each or three for $25 and proceeds go directly to the American Diabetes Association.

Thank you for your support!

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*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

©2011 FAIRWINDS Credit Union. The content of this message is protected by copyright and trademark laws under U.S. and international law. All other trademarks are the property of their respective owners.