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Freedom is in your future.

Achieving financial freedom is about building. Building the confidence and power to make your money work for you. Building a solid plan to help you chart a successful, sustainable future course.

The time to build wealth, and continue to build throughout your journey, is here.
Let’s do it.

Everyone needs a plan to build wealth.

No matter what your income or your age is.

Compounding interest is the best tool to build wealth.

Compounding interest lets you receive earnings on your interest.

To have $1 Million by the time you're 65.

Current Age Contribution
20 $190/mo
30 $436/mo
40 $1,052/mo
50 $2,890/mo
60 $13,610/mo
Assuming a $0 starting balance with an average return of 8.00% APY.
APY = Annual Percentage Yield


You are maximizing your company’s 401(k)/403(b) match.

The IRS sets the contribution limits for these types of retirement accounts. The maximum contribution limit for 2023 is $22,500. Be sure to max this out every year first.

How do you know if you're putting enough away?

Use our Freedom Retirement Calculator to see how much you should save to meet your goal to build wealth.

Solutions to help you Build Wealth

  • Wealth Management

    Our CFS* financial advisors are available by appointment to meet and discuss your goals. Contact us today to set up a complimentary, no-obligation meeting.
    Make an Appointment

  • EasyVest Digital Advice

    For individuals newer to investing, EasyVest is an automated investment management solution tool that provides you with a tailored plan to start building wealth.
    Learn more about EasyVest

  • Certificate of Deposit (CD)

    Looking for a guaranteed rate with short- and long-term options? A FAIRWINDS Certificate of Deposit (CD) can help you grow your savings risk-free, in a term that works best for your goals.
    Open Online

  • Individual Retirement Account (IRA)

    The security you want. The flexibility you need. Including an IRA in your portfolio can help to make your retirement dreams come true.
    Open Online

*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.

Retirement Freedom Calculator

Common Assumptions


Plan Information


Contribution Information



You are meeting with a financial advisor at least once a year.

Recent studies have reported that investors who work with advisors could potentially add 3% to their net returns.1

1According to Vanguard's study based on their Alpha framework. Putting a value on your value: Quantifying Vanguard Advisor's Alpha, Vanguard Research, 2014.

Remember, you don’t have to go it alone on your journey. It’s important to meet with a trusted financial advisor regularly to help you adjust course as needed and keep you on track. If you don’t have an advisor or simply want a second opinion, we can help through a no-cost, no-obligation consultation with one of our wealth experts.

Learn More by connecting with one of our financial advisors


You are investing 15% of your household income.

A standard rule of thumb to building wealth is to invest a minimum of 15% of your household income. This 15% includes options like an IRA, Roth IRA, mutual funds, 401(k), 403(b) and more, but should not include any employer matched contributions.

Explore further.

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