eNEWSLETTER | November 2017
eNEWSLETTER
November 2017
We're Thankful for Our Members!
With Thanksgiving coming up, we wanted to share what we’re thankful for. Our members! Thank you for being a member of PCT Federal Credit Union, we love serving you.

If you’re thankful for us too, refer a friend and you’ll both receive $20 when the new member sets up their direct deposit or is approved for their loan. It’s a win-win!

Thanks for banking with PCT & have a wonderful Thanksgiving
Handle Your Holiday Shopping with our Visa® Credit Card!
Get all of your holiday shopping done with a Visa® Credit Card from PCT. With rates as low as 9.90% APR ¹ · ² no annual fees and great rewards, why wait? Apply for a Visa® Credit Card today and receive your card within 2 weeks!
Kick Off the New Year on the Right Foot with our Financial Advisor
Two studies found that working with a financial professional can result in higher returns and potentially lower personal stress.
Lower Stress

77% of people within 11-15 years of retirement are stressed when thinking about retirement savings and investments.¹ Working with a financial advisor to develop a written retirement income strategy, however, can increase your financial confidence leading up to retirement, according to Franklin Templeton’s annual Retirement Income Strategies and Expectations Survey.

With and Without²
Higher Returns

In addition to providing financial guidance, financial advisors may also add about three percentage points in net portfolio returns over time, according to a study by Vanguard.³





Financial Advisor Advice Components⁴
Sign up for your free financial consultation with our Financial Planner John B. Caselot today by calling  800-279-8083  or by emailing   castelotsupport@northeastplanning.com
It’s important to remember that financial advisors also may offer guidance that wasn’t measured in the two studies. Advisors can help develop strategies that protect against the financial consequences of loss of income, and coordinate with other financial professionals on tax and estate management. 1.      Franklin Templeton, 2016. 2.      Franklin Templeton, 2016. 3.      Vanguard.com, 2015. 4.      Vanguard.com, 2015. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2017 FMG Suite.
Top Consumer Security
Dos & Don’ts
Protecting yourself from card fraud and identity theft has become increasingly important in today’s digital world. There are many phishing scams and hackers out there; however, there are steps you can take to protect yourself. Take a minute to read up on and implement these security tips to protect yourself from fraud and phishing scams!
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