Are you a County of Kaua’i Employee or a Member of Kaua’i Federal Credit Union?
If you’re a Kaua’i government employee, you may be wondering how to optimize your benefits plan to work for your unique needs and goals and pursue a fulfilling retirement. At INPAC, we work with hundreds of individuals from Kaua’i and have gained in-depth insights into the benefits packages offered to county employees and other members of the Kaua’i FCU.
“How does my benefits package play a role in my overall financial plan and vision for my future?”
“As a County of Kaua’i employee, what unique options do I have to help me pursue my goals?”
“How do I take advantage of what’s available to me?”
We’ve helped employees just like you answer these types of questions and more to help plan for the future.
To learn more, click on the “Schedule a Meeting” button in the bottom left hand corner.
You have unique options. We help you take advantage of them.
A 401(k) plan is a great tool for retirement planning because it’s easy to set up automatic contributions directly from your paycheck. Plus, you gain the added benefit of employer contributions. Properly investing your 401(k) funds is another story.
You have several fund and investment options available to you within your 401(k) plan, but the fund selection you choose is only one small component of your overall retirement planning. To help you make sure you’re investing wisely and planning for your other needs in retirement, the team at INPAC leverages its unique experience working with Kaua’i employees to find strategies that are right for your future.
Retirement takes years of planning—not just for your finances, but for your lifestyle as well
Retirement is one of the biggest milestones in your life, and it rightfully takes decades of planning to pursue your financial needs and goals. After all, once you retire, you don’t want to have to worry that you’ll run out of money or that you’ll ever have to go back to work. But retirement planning isn’t all about money—it’s about the emotional transition too.
At INPAC, we know that retirement is a huge transition. Our planning services align your financial strategies with the vision you have for your future lifestyle and the quality of life you want to enjoy. We guide you before, during, and after your transition into retirement, so you know you’ll have a trusted partner to lean on when you need advice.
Make the right decisions today to prevent regrets down the road.
If you look forward to a pension in retirement, you have several options for how you’ll be able to access that money and what you want to use it for. Typically, you can choose between taking a lifetime of monthly payments or a one-time lump sum. There are pros and cons to each. You also have to make decisions about Social Security supplements and survivorship options.
Once you make a choice, there’s no going back, so you have to think carefully about the opportunities and consequences of each option. These decisions can feel overwhelming and even paralyzing, especially because there is no one right option for every Kaua’i employee. At INPAC, we guide you through a thorough analysis of your unique situation and the impacts of each option to help you make decisions that are right for you, your family, and your future goals.