You put in time and hard work to build up your retirement account. Neglecting these assets may mean changing the plans you have for your retirement years.

If you change jobs, remember to explore where you want to keep these assets. One option to consider is rolling your old 401(k), 403(b) or other employer-sponsored plan into an Individual Retirement Account (IRA). Veridian makes available professionals to guide you through the process and discuss your options. A MEMBERS Financial Services representative* will show you how it can be tax-free and penalty-free**.

This rollover allows you to be in control of the money and benefit from more investment alternatives, additional pay-out options, and beneficiary choices and the ability to convert to a Roth IRA.

Let us help you make an informed decision. Call us to schedule a no-cost, no-obligation consultation with the MEMBERS Financial Services program located at a Veridian branch near you.

*Representatives are registered, securities are sold and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

FR121029-8D2D

**Representative is not a tax advisor. For information regarding your specific tax situation, please consult a tax professional.