Saving for the Future

No matter where you are in life, saving for the future is one of the most important things you can do. And it’s never too early or too late to get started. So if you’re ready to develop a sound, easy-to-manage plan for saving, stop by your local ESL branch and talk with one of our experienced financial professionals today. We can help you find a strategy that will seek to move you forward toward your goals.

Maybe you need an emergency fund to prepare for a rainy day. Maybe you want to save for your retirement or the education of someone you care about. No matter what savings goal you have in mind, you can count on us for trustworthy advice. Sensible strategies. And the award-winning personal service you deserve. It’s all part of our effort to answer to you.

  • Emergency Fund

    No matter how carefully you manage your finances, an unexpected event can make it difficult to meet your household expenses.

    It could be the loss of a job. Or the sudden need for an expensive car repair. Or any other emergency that appears out of the blue.

    That’s why it’s important to set up an emergency fund that will provide the readily available financial resources you need during a challenging time.

    Practical Advice from our Experienced Professionals
     

    If you’re thinking about creating an emergency fund to help you withstand life’s uncertainties, here are some tips to keep in mind:

    • Set aside enough money to cover three to six months of living expenses. That will give you the financial resources you need to handle a variety of unexpected situations and emergencies.
    • Choose safe, low-risk savings options that will let you access your money quickly without any penalties. After all, when an unexpected event occurs, you’ll need to access your emergency fund right away.

    We look forward to helping you get the confidence that comes from careful planning for a rainy day.

     
  • Save for Retirement

    If you’re thinking about retirement, here are two key facts to keep in mind:

    1. People are living longer.
    2. Most Americans haven’t saved enough to maintain the lifestyle they want throughout the entire course of their retirement.

    That’s why it’s so important to develop and implement a sound, systematic approach to retirement saving at the earliest possible time.

    Practical Advice from our Experienced Professionals
     

    If you’re ready to start a retirement savings plan, here are some practical tips:

    • Set aside money for your retirement from every paycheck. No question about it. A disciplined approach to saving is the key to success. So whether you use automatic payroll deductions or another approach, the goal is to put money in your retirement savings account from every paycheck before you pay your regular expenses.
    • Take full advantage of employer-sponsored plans like 401(k)s. They’re a great way to maximize your savings and minimize your taxes.
    • Set up an Individual Retirement Account (IRA). If your employer doesn’t offer a retirement plan, an IRA will help you save on a regular basis. You may benefit from valuable tax advantages, too.
    • Talk with a financial professional at the ESL branch near you. We’ll help you analyze your financial situation, explore your retirement planning options, and find the right savings strategy for you.

    We look forward to helping you develop a sound plan that will lead to a comfortable lifestyle in your retirement years. Learn more about Retirement Planning.

     
  • Save for Education

    The costs of education are steadily rising. At the same time, we all know education is vitally important to the future of our children.

    That’s why it makes sense to develop an education savings plan that will help the children and young people you care about get the education they need to succeed.

    In fact, it’s one of the greatest gifts—and smartest investments—you can make.

    Practical Advice from our Experienced Professionals
     

    If you’re ready to start developing an education savings plan for an important person in your life, here are some practical tips to keep in mind:

    • Start saving as soon as possible. The more time you have to save, the more financial assistance you can provide down the road.
    • Take advantage of smart savings strategies designed specifically for education such as Coverdell Education Savings Accounts which offer important tax advantages, too.
    • Talk with an experienced professional at the ESL branch near you. We’ll help you explore your options and find the right education savings strategy for you. We will also make sure your other financial priorities are carefully considered during the development of your plan.

    We look forward to helping you make an important contribution to the future of someone you care about. Learn more about Education Planning.

     
  • Get Started

    No matter what savings goal you have in mind, the most important step you can take is to start saving right away.

    It’s also important to develop a sensible plan that will help you make steady progress toward your goals.

    That’s why it makes sense to talk with our financial professionals today.

    We will work closely with you to analyze your financial situation, set clear, realistic goals and objectives, and design a sensible, personalized savings strategy that’s right for you.

    Ready to get started?
     

    To learn more or to schedule an appointment:

    We look forward to helping you plan for the future with a sound, strategic approach to saving.