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Take Charge of Your Financial Life

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Winter/Spring 2016Education Financial

RTN Federal Credit Union 600 Main Street Waltham, MA 02452 rtn.org

All About Social Security*We’ll discuss the “rules of the road” for receiving Social Security benefits, the possible routes to take to maximize benefits, the future of Social Security and the challenge of setting up a retirement income stream.Wednesday, April 27, 6 to 7 pmDanvers Branch, 29 Andover StreetDanvers, MA 01923

Keeping Debt Under ControlFind out how to identify the warning signs of overwhelming debt and ways to reduce your debt.Thursday, May 12, 6 to 7 pmMarlborough Branch, 451 Boston Post Rd. EastMarlborough, MA 01752

Understanding & Protecting Your Credit ReportsCredit is an important foundation for your financial wellbeing. Learn what impacts your credit and how to improve your credit health, as well as how to recognize and protect yourself from identity theft.Tuesday, May 24, 6 to 7 pmAmesbury Library, 149 Main StreetAmesbury, MA 01913

Teaming Up With Your Financial Planner*Discover how your financial planner can help you achieve your financial goals. Find out tips for retirement, paying for college, taxes and estate planning.Thursday, June 2, 6 to 7 pmBrookline Branch, 365 Boylston StreetBrookline, MA 02445

About RTN Federal Credit UnionRTN Federal Credit Union is a full-service financial cooperative, providing members with high-quality financial products and customized service. Founded in 1945, RTN has $825 million in assets, nearly 50,000 members and 19 branches.

About RTN GoodWorks FoundationRTN GoodWorks Foundation is a 501(c)(3) non-profit, public charitable foundation that fosters financial wellness and promotes financial literacy and community involvement.

Registration is recommended for all seminars as space is limited.

To register, go to rtn.org > Plan and Protect > Financial Education. For information on RTN Financial Education Programs, contact Kerri McLaughlin, CCUFC, at kmclaughlin@rtn.org or 781-736-9962.

*Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured. May Lose Value. No Financial Institution Guarantee. Not a deposit of any financial institution. FR-1252307.1-0715-0817

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Federally insured by NCUA

Equal Opportunity Lender

781-736-9900 800-338-0221 rtn.org AMESBURY I BROOKLINE I DANVERS I DORCHESTER I LAWRENCE I MARLBOROUGH I TEWKSBURY I WALTHAM I WORCESTER

Basics of Money ManagementThis interactive, two-hour workshop covers the basics of money management, including saving and spending wisely, and understanding and building credit. Suitable for teens and adults.Sponsored by RTN GoodWorks FoundationSaturday, March 12, 10 am to 12 noonBethel Tabernacle Church173 Harvard Street, Dorchester, MA 02124

Understanding IRAs*Discover how to best utilize your IRA, the difference between Roth and traditional IRAs and how to avoid pitfalls that may cut away at your savings.Wednesday, January 27, 6 to 7 pmDorchester Branch, 1205 Adams StreetDorchester, MA 02124 Get the tools you need to make smart

financial decisions by attending one of our free seminars.

Knowledge gives you the power to take control of your financial life.

Two-Hour, First-Time Home Buyers Learn how to find a home, why good credit is important for financing and what types of first-time home buyer programs are available.

Thursday, March 10, 6 to 8 pmTewksbury Branch, 345 Main StreetTewksbury, MA 01876

Wednesday, March 16, 6 to 8 pmDorchester Branch, 1205 Adams StreetDorchester, MA 02124

Thursday, March 24, 6 to 8 pmFrohsinn Club, 25 N. Quinsigamond AvenueShrewsbury, MA 01545

Wednesday, March 30, 6 to 8 pmWaltham Branch, 600 Main StreetWaltham, MA 02452

Home Buying and Selling Seminars

Presentación en Español Jueves, 31 de marzo, 6 to 8 pmWaltham Branch, 600 Main StreetWaltham, MA 02452Para más información acerca de esta clase, por favor llame a Brian al 781-736-9864.

Ten-Hour, First-Time Home BuyersRTN partners with Massachusetts Affordable Housing Alliance (MAHA) to offer a comprehensive ten-hour, first-time home buyers seminar. Those completing all four classes become eligible for a certificate that may help them qualify for a mortgage at many financial institutions or assist with down payments and closing costs.Tuesday, February 23 (class 1)Tuesday, March 1 (class 2)Tuesday, March 8 (class 3)Tuesday, March 15 (class 4)6 to 8:30 pmWaltham Branch, 600 Main StreetWaltham, MA 02452

How to Sell Your HomeCareful planning and preparation are key to selling your home. Learn how to market your home to attract the right buyer.Wednesday, February 10, 6 to 7 pmTewksbury Branch, 354 Main StreetTewksbury, MA 01876 Saturday, April 2, 10 to 11 amWaltham Branch, 600 Main StreetWaltham, MA 02452Presented by RTN Realty Advisors, LLC. View our affiliated business disclosure information at rtnrealty.com.

Personal Finance Seminars

Money SmartThis financial education seminar will teach you how to develop a smart budget and credit management plan.Wednesday, April 6, 6 to 7 pmDorchester Branch, 1205 Adams StreetDorchester, MA 02124