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Manage Your Financial Strategy

Strategy Management

Stay Involved with Your Financial Strategy

Once you have a financial strategy in place, regularly schedule time to check in with your financial professional. They can help you make sure your money is working hard for you and that you are pursuing goals that make sense for you.

In the meantime, our tools and resources can keep you aware of changing market conditions and your changing financial needs.

Budgeting for Retirement
vs. Debt

What does it take to build a budget that leaves room for savings? Just a few steps.

HYPOTHETICAL EXAMPLES

Who are the Beneficiaries for Your Accounts?

Choosing a beneficiary seems like a “set it and forget it” task. However, it’s an important designation.

CHOOSE YOUR BENEFICIARIES

Term to Permanent
Life Insurance

Learn more about the difference in coverage for term life insurance vs. whole life insurance. Which might fit you and later?

SEE THE DIFFERENCE

Refining Your
Retirement Strategy

Get your financial ducks in a row; re-evaluate to stay on track; imagining your retirement, and more to your strategy.

THINGS TO CONSIDER

Updating Your
Retirement Strategy

As our lives change with new jobs, new family members updating your strategy to fit your changed financial future may be forgotten.

TIME FOR AN UPDATE?

Year-end decisions for retirement funds

Some retirement plan choices you can make at the end of the year can potentially reduce your taxes or increase your retirement funds.

DECISIONS TO MAKE

Retaining, Storing
Financial Documents

Follow these recommendations for what to keep and what to shred and you can save yourself time and frustration in the future.

COMMIT TO YOUR PLAN

Whole Life Insurance Goes to College

How can you help cover the ever-rising cost of your child’s education? Whole life insurance may be one way.

NEW COLLEGE TRY

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NOTES:Provided content is for overview and informational purposes only and is not intended as tax, legal, fiduciary, or investment advice.

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Service Starts Here

Have a question? Like more information?

Find a financial professional

Prepare for College

Saving now can put your child's education goals within reach.

Figure out how much to save

This calculator contains content that is best viewed in landscape orientation. We suggest rotating your device so it is longer than it is tall.

Financially Preparing for College

Get an estimate on the cost of college for a child. Learn how a monthly commitment can put educational aspirations within reach.

Personalize your results by selecting the number of children for whom you'd like to save, and then provide a name and age for each child. The calculator will assume he/she will enroll at age 18. See Notes for more information about data sources and calculation methods used.

Number of children:

Note: Calculations assume each child will begin college at the age of 18. Current tuition, fees, room and board costs are based on Average Published Undergraduate Charges for 2014-15 as published by the College Board.

Future costs assume 3% inflation, and monthly savings suggestions assume 3% inflation as well as a 3% interest rate compounded annually.

403(b) Catch-up

Learn about additional opportunities to invest for retirement.

Figure your contribution today

Asset Allocation

Your risk tolerance effects how you allocate your retirement assets.

Determine your investment style

This calculator contains content that is best viewed in landscape orientation. We suggest rotating your device so it is longer than it is tall.

What type of investor are you?

As an investor, you want to find a balance between financial stability and potential asset growth — a balance that makes you comfortable with how you allocate your assets. Most investors fall into one of five types, depending on how much they value stability over growth. Get a feel for your financial risk tolerance when you answer these questions.

Determine your investor profile

I expect to begin withdrawing money from my retirement account in:

Once I begin withdrawing money from my retirement account, I expect the withdrawals to last:

I would take money out of my retirement account to pay for a large, unexpected expense.

To meet my financial goals, my investments must grow at a high rate of return.

I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time).

I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs.

When it comes to investing, protecting the money I have is my highest priority.

I am unwilling to wait several years to recover from losses I could incur in an extended down market.

I always choose investments with the highest possible return, even if the investments may frequently experience large declines in value because of higher risk.

10.

If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account.

Note: Investment information is provided for educational purposes only.

Group variable annuity products are issued by American United Life Insurance Company^® (AUL) and registered group variable annuity products are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, One American Square, Indianapolis, IN 46282, which is a wholly owned subsidiary of AUL. McCready and Keene provides administrative and record keeping services and is not a broker/dealer or an investment advisor. Neither AUL, OneAmerica Securities, McCready and Keene nor their representatives provide tax, legal or investment advice.

Investing always involves risk, including the potential loss of principal. Participants should carefully consider their risk tolerance, investing time horizon, needs and objectives as well as the specific risks and limitations associated with each of the investment options before investing.

What type of investor are you?

Your answers indicate that a retirement portfolio similar to this may suit your investment type.

This risk profile is a sample only. The proper asset allocation for your situation may differ. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals and aversion to risk. If any of these factors change, you should review your investment allocation.

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