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Retirement Planning

Retirement Planning

Securing Your Financial Future

Retirement planning involves more than just saving money. Understanding federal retirement benefits, asset withdrawal strategies, and - if needed - how to fill the gap between what you need and earn. This month, join the NCCYOU team as we explore topics to consider when planning for your retirement years.

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This Week

October 2026

A weekly series that explores concepts related to October's theme.

Retirement Planning by Life Stage

Investing for Retirement

Retirement Healthcare Planning

Starts Oct 11, 2026

Maximizing Social Security Benefits

Starts Oct 18, 2026
New for October

Saving and Investing

Why and how to invest, including how to save money now.

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Types of Investments
The pros and cons of stocks, bonds, and cash. The concept of asset allocation is explained.
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Investment Accounts
The types of accounts available to investors, including both taxable and tax advantaged accounts.
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Saving for Retirement
Why save for retirement and the impact of fees on investment performance.
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Retirement Accounts
An overview of the major retirement accounts, include Individual Retirement Accounts, Simplified Employee Pensions, and 401(k) plans.
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Retirement Saving Strategies
How to develop a comprehensive retirement savings strategy.
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Retirement Savings Ideas
A few simple things to keep in mind when starting a retirement savings plan.
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Making Your Retirement Savings Last
Understanding your retirement income needs and exploring strategies for meeting them.

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Paying for College

The basics of financial aid, including the types of aid, applying for aid, borrower responsibilities, and repayment strategies.

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Financial Aid Introduction
Whether you're considering higher education for yourself or starting to plan for the education of your kids, understanding the financial aid process is the first step to meeting your education goals.
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Types of Financial Aid
The main types of financial aid are education loans, grants and scholarships, work-study, and service programs.
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Creating an Aid Strategy
Considerations when planning to pay for school, including school choice, employment options, accounting strategies, and the importance of borrowing wisely.
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Understanding Financial Need
Some aid is based on financial need and some is not. What exactly is "financial need?"
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Applying for Aid
The aid application process, including descriptions of the FAFSA and Profile forms.
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Education Loans
A description of the main types of student loans, including government loans, consolidation loans, and private loans.
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Repaying College Debt
A look at common repayment plans, including how different plans affect your monthly payment and overall cost.
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Independent Student Status
Understanding your financial aid dependency status, including a discussion of what to do if the parents of dependent students refuse to help them pay for college.
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Borrowing Wisely
Making smart choices about student loans, including a description of the impact of loan capitalization.

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About Us

Since 1928, Northern Communities Credit Union has been serving our members and our communities in Northern Minnesota. We started out in the “new” Duluth City Hall when it was first built in 1928 and were formerly known as the Duluth City and County Employees Credit Union, to serve employees of the City of Duluth and St. Louis County. We opened up our membership to everyone in the county in 2004. Membership is now open to anyone who lives, works, worships, or attends school in St. Louis County,

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