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We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Online and Mobile Banking are intermittently unavailable. We are working to resolve the issue and apologize for any inconvenience.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

We're Invested

Retirement, investments, financial planning for every stage of life—learn about it all here at Invested,
a blog from your Wealth Management Advisors at Kirtland Financial Services.

3 Golf Tips to Keep Your Retirement Plan on Course

By Kirtland Financial Services


In golf, as in finances, there are a few rules of thumb that may improve your game: keep a level head, avoid traps, practice before trying something new and stay the course. Applying lessons from the golf course to your financial life and vice versa may help you improve your game in both arenas. Here are three tips that may help you work toward success on and off the golf course.

Avoid Hazards

Getting bogged down in a sand or water trap may cause frustration and add many strokes to your ultimate score. While it may not be possible to avoid financial hazards, it is important to do your due diligence before making new investments or any major changes. Before taking a financial step, consider the potential outcomes and the probabilities of each. It may make sense to take several smaller steps toward your goal in some situations instead of taking a long shot that could put everything at risk. In other circumstances, the potential upside of hitting the green on the first shot might overcome the risk of missing.

Find a Good Caddy

When you are on the course, your focus should be on the game with no distractions. Just like a caddy may help you keep your gear safe and accessible and provide you with sage advice on how to work toward your goals, a financial professional might be your partner on your journey in seeking to build wealth. Consider using their assistance for things like rebalancing your portfolio, analyzing your risk tolerance and asset allocation, preparing financial statements, tax documents and other key tasks. Having the help of a financial professional may free up your time to focus on what matters, like playing more golf.

And just like with a golfer and caddy, compatibility between you and your financial professional is the key to a successful relationship. You may need to interview several financial professionals before you find one whose style and methods match well with your own.

Do Not Let a Bogey Send You Off-Course

In life and golf, mistakes are inevitable. But it is important not to let one bogey (or even one bad game) send your attitude into a tailspin. Complications inevitably arise, whether it is an investment that soured, an interruption in income, or a sudden unexpected expense that sends your budget off the rails. What matters is that these problems do not take you away from your short- and long-term goals.

Whenever you encounter a financial bogey, consider what led to it, what it means, and what actions you may take to prevent similar situations from occurring in the future. In some cases, these slips may occur due to no fault of your own, and there may not be much you may do to prevent their recurrence. Instead, you may need to plan and prepare for it. In other cases, there may have been red flags or other warning signs leading up to the mistake, which you may be better able to spot and avoid in the future.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

Asset allocation does not ensure a profit or protect against a loss.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

This article was prepared by WriterAccess.

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