Life Stages Solutions

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THE GOLDEN YEARS

Protect Your Wealth and Start Paying Yourself

The freedom to live the retirement lifestyle of your choice with more time to spend with your friends and family can make your retirement years truly enjoyable. However, this is not the time to become complacent about your financial initiatives. Stay open to new ideas and opportunities to leverage your money, even if you are satisfied with your products and their performance.

Here are some ways Pioneer Bank can help you fortify your financial position during your retirement years:

1. Join our Pioneer Bank Senior Club

Take advantage of deposit enhancements, travel opportunities and social events for our customers in their retirement years.

2. Conserve time and money with Pioneer Bank’s convenient checking accounts with online banking and bill pay and no-charge ATM services –

You’ll reduce the time it takes to pay your bills and save on the expense of printed paper checks and postage while helping the environment as well.

Bank product – Highpoints and link to landing page for details and enrollment

Bank product – Highpoints and link to landing page for details and enrollment

3. Improve Funds Availability and Save Time and Money With LogoBank’s Convenient “Direct Deposit” Service –

Save the time and expense required to prepare, transport and deposit transactions, by conveniently making remote deposits from your home or office at any time of day or night. Our simple, web-based interface integrated with an inexpensive flatbed scanner and our online banking service lets you electronically deposit checks into your account for improved cash flow. To learn more, go to Direct Deposit.

4. Leave a legacy with a trust –

Our Trust Services are intended for many people at many levels, and we can help you create the legacy you want and administer your assets according to your wishes.

Ask a Pioneer Bank trust professional for a copy of our free estate planning guide.

5. Relieve your family from making difficult decisions –

Decisions about the disposition of your estate, a living will, burial and funeral arrangements can be made now so your wishes will be known and your family will be relieved of making important decisions under duress.

6. Rent a safe deposit box –

This a convenient place to store important items that would be difficult or impossible to replace. LogoBank’s safe deposit boxes offer privacy and in most cases, greater security. Than keeping your valuables and important documents elsewhere. Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home.

Bank product – Highpoints and link to landing page for details and enrollment

TIPS FOR EFFECTIVE FINANCIAL MANAGEMENT

  • Take advantage of senior discounts wherever you can, and don’t be shy in asking for them.
  • Do not invest with someone you don't know. Scams targeted at retirees abound. Your investment opportunities should be carefully researched and verified by reputable professionals.
  • Be informed. From your investments to your insurance you’ll want to audit your current portfolio and policies and make the necessary changes to reflect your needs and preferences as a retiree.
  • Create a complete and detailed listing of your financial, investment, insurance and trust products and put a copy in your safe deposit box.
  • Ask a LogoBank trust professional for a free estate planning guide

For help determining the best accounts and products for sound and productive money management during your Retirement Lifestage, please contact us at 518.274.4800 or email us.

Some Financial Calculators for the Golden Years...

Our calculators can help you determine what you need to achieve your goals and stay on budget.