ROUTING NUMBER: 307070050
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.
The credit union is experiencing technical difficulties. We greatly appreciate your patience.
ROUTING NUMBER: 307070050
By Kirtland Financial Services
When you hear the word “estate”, does it conjure up images of Downton Abbey, Wayne Manor or one of J. Paul Getty’s many residences? At first glance, it may seem like estate planning is something quite grand and only for the super-rich. However, it’s really just common terminology encompassing smart financial planning strategies that everyone should consider.
Most people don’t spend too much time thinking about end-of-life planning on a daily basis. But you may have loved ones who will soon face these issues. While it’s not pleasant to think about, you may be the one who ends up having to sort out their affairs. And, the reality is, there will come a time when you need to think about yourself and your own family. Knowing the basics can help you feel more prepared when that time comes.
Estate planning is the process of designating who will receive your assets and handle your responsibilities after your death or incapacitation. One of the goals is to make sure your beneficiaries receive these things in the most cost-effective way possible.
Estate planning can help establish a platform you can fine-tune as your personal and financial situations change. The key question to ask yourself is: how do you want your assets distributed if you die or are incapacitated?
When it comes to estate planning, the whole process can seem quite overwhelming and complex. To help keep it simple, here are six essential things you need to know (or consider doing) to help jumpstart your estate planning.
Perhaps the most important part of the estate planning process requires no paperwork or expense: discussing your relatives’ wishes (such as aging parents). Nothing will make that conversation easy, but a clear understanding of your family’s wishes can help avoid tough conversations at a time when loved ones need to rely on each other to get through a difficult time.
The team at Kirtland Financial Services helps people—in every stage of life—begin to think about and plan for their end-of-life financial matters. Make an appointment today to begin this important planning for your family. To assist, Kirtland Financial Services offers a complimentary Life Notes estate planner to qualifying members! Life Notes is a convenient, comprehensive guide to gathering all the information a family will need to take care of end-of-life matters for a loved one. No matter how young or old you are, getting your business affairs and records organized is an essential part of financial planning. However, there can be many accounts, policies, documents, and other information to organize. Just thinking about what you need to put together can quickly become overwhelming. Use Life Notes to start organizing your personal information and important documents into a master file. You’ll feel good about completing the task — and your family will thank you for it! It’s all in the Life Notes estate planning guide.
Come meet the Kirtland Financial Services team and get started today.
Join us at our 2023 Annual Membership Meeting on Tuesday, March 21 at our Gibson Branch at 4:30 p.m.
Can't be there in person? Register to view online! Click Learn More for more details.
Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.