July 22, 2025 – 2:00 – 3:00 PM

Modern Money: A Guide to Budgeting, Borrowing, and Shopping in the Digital Age
Everywhere you turn these days there are new ways to spend, budget, and borrow money. From online retail shops to FinTech, the way we shop, bank, and borrow is changing rapidly. If you don’t know the difference between “Buy Now, Pay Later” and Layaway, this workshop will help you understand the benefits and pitfalls of the digitization of spending and borrowing.

July 23, 2025 – 10:00 AM – 2:00 PM

Member Appreciation Day – Virginia / MT Iron Branch
Lunch starts around 11:00 AM until it’s gone! Free giveaways and cash prize drawings. If your unable to join in person, email or call (the day of) to be entered into the drawings! We hope to see you there!

July 30, 2025 – 10:00 AM – 2:00 PM

Member Appreciation Day – Duluth Branch
Lunch starts around 11:00 AM until it’s gone! Free giveaways and cash prize drawings. If your unable to join in person, email or call (the day of) to be entered into the drawings! We hope to see you there!

August 5, 2025 – 6:00 PM

Income for Life

Presented by Mike Mason from TruStage Annuities*
You have retirement goals and plans for your financial future. But do you know what you should be doing differently to make real progress? Join us for this exclusive seminar as financial professional, Mike Mason, dives deep into ways to build wealth potential and income for life. The seminar will include a live Q&A where you can get the answers to your income for life questions.

We’ll explore:

• Sources of retirement income you can rely on
• Retirement risks you face now
• Income strategies you should consider
• How you can use annuities to guarantee income for life

August 19, 2025 – 6:00 PM

The Three Transitions to Retirement

Presented by Mike Mason from TruStage Annuities*
Your exciting next chapter will start soon. Are you ready? You’ll encounter financial, lifestyle and emotional milestones along the way — but you’re not in this alone. We’ll work together to help you feel confident about your path to retirement. A great first step in this journey is the Three Transitions to Retirement seminar.

Mike Mason from TruStage™ Annuities will answer your retirement questions and help you:

• More confidently address the financial, lifestyle and emotional transitions to retirement
• Guard against risks and manage the inevitable ones
• Gauge when you’re ready for retirement

August 21st – 5:30 – 6:30 PM

Medicare Educational Meeting – TruLync
Mt. Iron Community Center,
8586 Enterprise Dr S. Mt. Iron, MN
**A meal is included with this session.

September 8, 2025 – 6:00 PM

Understanding Your Rollover Options

Presented by Mike Mason from TruStage Annuities*
Changing jobs is a common experience for most U.S. workers. But, what’s the right thing to do with your retirement savings plan account from a previous employer? Chances are you have questions and could use someone at your side to lead the way — especially in understanding how your decision can impact your long-term retirement savings.

We will help you get a better understanding of the different options available to you when you leave an employer and have an employer-based retirement savings plan account balance to consider, including:

• Four major options for retirement plan balances when changing jobs
• Pros and cons of each options
• How a rollover works
• And more

September 17th – 12:00 (noon) to 1:00 PM

Medicare Educational Meeting – TruLync
Laurentian Chamber of Commerce
704 North 6th Avenue West in Virginia, MN
**A “Brown Bag” discussion so feel free to bring your lunch

September 22, 2025 – 6:00 PM

Redefining a Diversified Portfolio

Presented by Mike Mason from TruStage Annuities*
Retirement savers face new challenges in today’s volatile market. Traditional portfolio diversification may not grow your savings — causing you to face additional risks.

Mike Mason from TruStage™ Annuities will help you understand:

• What traditional portfolio diversification is
• How the investment landscape changes
• How you can pursue your goals while mitigating risk
• How new annuity options help you rethink diversification

October 2nd 2025 – 5:30 – 6:30 PM

Paying For College
This presentation will assist both parents and students in understanding what each party will be financially responsible for when it comes to on-going costs. The costs of college and options to pay these costs. Please note this is NOT FAFSA Advice

October 7, 2025 – 5:30 – 6:30 PM

Investing 101
An introduction to the following concepts and tips to help you grow your assets to reach a financial goal:

• Compound interest and how it builds wealth.
• Dollar-cost averaging and how it might benefit your investment strategy.
• The importance of diversifying your assets.
• Ways to find trusted experts to help you with future planning.

This is an informational course only. LSS cannot provide investment advice.

October 21, 2025

Annual Enrollment Period (AEP) – Tammy will be available at our Virginia/Mt Iron Branch
To schedule an appointment with Tammy send an email to MarketingDept@nccyou.com or tkausch@trulync.com.

October 22, 2025

Annual Enrollment Period (AEP) – Tammy will be available at our Duluth Branch
To schedule an appointment with Tammy send an email to MarketingDept@nccyou.com or tkausch@trulync.com.

November 18, 2025 – 11:30 – 12:30 PM

NCCYou Planning For a Happy Retirement:
If you are nearing retirement this is the workshop for you. Everyone knows that saving for retirement is important, but there are other factors to consider the closer you get.

In this workshop you will:
• Learn about the four phases of retirement.
• Consider lifestyle scenarios that affect your costs.
• Make a plan to eliminate debt that may drain your funds more quickly.
• Talk about how to spend your long-saved funds in proven ways that lead to happiness.

*Mike Mason and TruStage™ Annuities are not affiliated with or endorsed by LPL Financial or Northern Communities Credit Union (NCCYou).

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company.  Variable annuities are subject to market risk and may lose value.

TruStage Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, IA, 50677. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution.  All contracts and forms may vary by state and may not be available in all states or through all broker/dealers.