My name is Gwen Todd.
I live in Ottawa, Kansas.
My family centers around my grandchildren. (I'm widowed.)
I used to work at AT&T (retired after 20 years.) I was also a partner in a family RV business.
My Modern Woodmen representative is Dale Pearson, Ottawa, Kansas.
My top financial concern right now is affording the things in life I like to do (trips and doing fun things with my grandchildren). I want to make sure I don't outlive my money.
My Modern Woodmen representative is helping me address that concern by always being there to help me whenever I need anything. Dale is very knowledgeable and has given me great advice for many years – even before retirement. He has always been easy to understand, and I really trust him. He is also a good friend who cares about his members. He does so many things for this community.
One financial product I'm relying on now is a single premium immediate annuity. After Dale explained how it worked, it seemed like a good fit for me. It will give me guaranteed income. Even if I outlive the funds I originally contributed, the income will keep coming in.
My advice for other members is to ask a lot of questions if you're not sure what to do. Start planning for retirement before you actually retire!
Dale's advice: My members work hard to save. I help make sure those savings are safe and available when needed. I want them to be able to maintain the kind of lifestyle they want. When it came time for Gwen to start taking retirement distributions, we talked about the options available – from immediate annuities to securities products. She liked the guaranteed, steady income an immediate annuity could provide. We also made sure she had other investments for emergencies.
Additional products and services
Talk to a representative to see what's best for you.
Saving for college is a priority for many families today, and a 529 plan gives you the ability to save for higher education expenses while receiving tax benefits not found in other investment options.