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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.

Kirtland CU branches and the Member Contact Center will be closed Monday, September 4 in observance of Labor Day.

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Due to a power outage, our Montgomery Crossings branch is currently closed.

Our other branches remain open to serve your needs, as well as Kirtland CU Online & Mobile Banking.

ROUTING NUMBER: 307070050

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.

Three Ways To Boost Your Retirement Savings

February 1, 2019

By Kirtland Financial Services

Invested, Investments, Retirement

As Americans, we can take pride in the many things we do well. But there’s one thing that we could all do better— saving for the future.

If you are already saving for your retirement through your employer-sponsored savings plan, each contribution you make brings you closer to your retirement goal. But are you saving as much as you can?

Given the uncertainty surrounding the Social Security system, maybe it’s time to rethink your own saving habits.

Apply a raise or bonus to retirement savings. Boosting your contribution rate with each increase in pay you receive to move you closer to the maximum contribution allowed by your employer—$18,500 to a 401(k) plan (workers age 50 and older may add an additional $6,000 in catch-up contributions, subject to plan limits).
Cut back household expenses. Small savings can add up. Set up a monthly budget of income and expenses to help you find ways to cut back more.
Forgo a tax refund. If you typically get a tax refund, consider revising your W-4 form to reduce your withholding. Your paycheck will grow, allowing you to increase the amount you save in your employer’s retirement plan.

It really doesn’t matter how you save. The important thing is to build your retirement account in ways that work for you.

The team at Kirtland Financial Services is ready to help you put together a retirement plan that works for you. And your initial consultation is absolutely free!

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Kirtland Federal Credit Union and Kirtland Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Kirtland Financial Services, and may also be employees of Kirtland Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Kirtland Federal Credit Union or Kirtland Financial Services. Securities and insurances offered through LPL or its affiliates are:

Not NCUA Insured or Any Other Government | No Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Kirtland Federal Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

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Routing Number: 307070050

6440 Gibson Blvd. SE, Albuquerque, NM 87108

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