Retirement and Investment Services for Members

Welcome to Northern Communities Credit Union’s Retirement and Investment Services. Planning for retirement is a crucial step towards ensuring a confident future. Our services are designed to help you navigate the complexities of retirement planning, from selecting appropriate accounts to building a diversified investment portfolio. Whether you’re just starting or nearing retirement, our goal is to provide you with the tools and knowledge needed to pursue your financial goals.

Experienced professional dedicated to you

As a credit union member, you have access to Ed Grondahl, our Financial Advisor at Northern Communities Retirement & Investment Services. If you are looking to balance, expand, or even begin your financial portfolio, Ed can work with you to plan and work towards your financial goals.

Contact Ed Grondahl
LPL Financial Advisor
(218) 591-6978 Cell
edward.grondahl@lpl.com

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

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 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

*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.

Check the background of this investment professional on FINRA’S BrokerCheck.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).  Insurance products are offered through LPL or its licensed affiliates.  Northern Communities Credit Union (NCCYou) and Northern Communities Retirement & Investment Services are not registered as broker-dealer or investment advisor.  Registered representatives of LPL offer products and services using Northern Communities Retirement & Investment Services and may also be employees of NCCYou.  These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NCCYou or Northern Communities Retirement & Investment Services.  Securities and insurance offered through LPL or its affiliates are:

Northern Communities Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed.  No offers may be made or accepted from any resident of any other state.

LPL Financial Form CRS