Retirement Planning

To build your retirement plan, our team will begin by helping you identify your retirement date, financial goals, and income needs. Working together, we will review your options and outline a plan and aim to make your retirement dreams a reality.

Learn more about our team of retirement planning experts.

Select a Service:

  • Plan Your Retirement

    The team from Suncoast Investment Services* is ready to work with you on your retirement plan to help you pursue your retirement goals.1

    • Personalized, comprehensive retirement planning
    • Distribution planning
    • Savings and investment strategies
    • Tax implications**
    • Find out if you're on track for retirement

    Meet Our Financial Advisors

    Check the background of your financial professional on FINRA's BrokerCheck.

    403(b) and 457(b) Accounts

    As a school-district employee, you can contribute to a 403(b) plan, a 457(b) plan, or both. You can make pre-tax contributions that lower your taxable income-and may reduce your current income tax. Key benefits:

    • Tax-deferred growth potential and compounding
    • Lowering your taxable income
    • Automatic contributions from your paycheck
    • Accessing your money through loan features
    • Buying additional years of service credits tax-free
    • Catch-up contributions for years of service
    • Catch-up contributions for over age 50
    • Penalty-free early withdrawal options
    • Roth 403(b) and 457(b) options

    Visit our Suncoast Investment Services website to learn more. There is no cost or obligation to meet with a professional.

    Contact Us Login to your 403(b)/457 Account

    Deferred Retirement Option Plan (DROP)

    Deciding what to do with your DROP is not a simple decision. That’s why it is important to consult with a financial professional who can help you through the process, and determine which options are suitable for you. Our Suncoast Investment Services professionals are available to help you address important factors and common concerns, which will assist you in making an informed decision. 

    • Should I enroll in DROP?
    • Should I use DROP funds to pay-off debt?
    • How will taxes affect my DROP?
    • How much income can my DROP fund provide?
    • Which DROP option should I choose

    Visit our Suncoast Investment Services website to learn more.

    Workshops

    We offer a variety of online and in-person workshops to members. Reserve your seats today — space is limited.

    View Upcoming Investment Workshops

*Suncoast Investment Services is a marketing name used by Suncoast Credit Union. 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. Suncoast Credit Union and Suncoast Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Suncoast Investment Services, and may also be employees of Suncoast Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Suncoast Credit Union or Suncoast Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value

Suncoast Credit Union provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay Suncoast Credit Union for these referrals. This creates an incentive for Suncoast Credit Union to make these referrals, resulting in a conflict of interest. Suncoast Credit Union is not a current client of LPL for advisory services. Please visit LPL.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

The LPL Financial registered representative(s) 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.

** Representatives are neither tax advisors nor attorneys. For information regarding your specific tax situation, please consult a tax professional. For legal questions, including a discussion about estate planning, please consult your attorney.

Insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.