The NSBE Professionals of Portland

Is your 401(k) invested wisely?

Do you have an emergency fund?

Plan to use Social Security for retirement?

Financial Advisor, Jim Price, from First Tech Federal Credit Union will be
presenting on best financial practices for the working professional at our
February general body meeting.

HP Corvallis
Building 4
NE4L

Portland General Electric

WTC

Intel Hillsboro
JF3 Room 101

General Body Meeting

Tuesday, February 24, 2014

Recap
STEAM Xplosion 2015 - Feb 7th

Upcoming
Volunteering Opportunity

Oregon Black Pioneers Exhibit

Oregon Historical Society museum
Feb. 1st - Jun. 28th, 2015

NSBE National Convention

Anaheim Convention Center
Mar. 25th - 29th, 2015

iUrban Teen Summit

University of Portland
Mar. 13th, 2015 (9:00am - 3:00pm)

Community Student Outreach

National Day of Service
April 2015*

&

Introduction to Personal
Financial Planning
Presented by

Jim Price, CRPC, AWMA

Financial Advisor, RJFS
Addison Avenue Investment Services

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

First Tech Federal Credit Union is member owned and sponsored by HewlettPackard Company, Agilent Technologies and other companies to provide
services to their employees, retirees and family members.
We provide a full range of financial services, including savings and checking
accounts, loans, credit cards, online and mobile banking and investment
services through our advisors relationship with broker/dealer Raymond
James Financial Services, Inc.*
Raymond James is not affiliated with Hewlett-Packard Company, Agilent
Technologies or any other sponsoring companies.
*The

Credit Union and its personnel may receive compensation through fees
and commissions associated with some of the products and services that
they may recommend.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

First Tech Federal Credit Union is not affiliated with Hewlett-Packard or the
other sponsoring companies. HP does not endorse or recommend, and is
not responsible for any of the services or products provided by or through
First Tech.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

This workshop is provided solely by Addison Avenue Investment Services and

is independent from the services, information and employee benefits
provided by Hewlett-Packard.
This presentation and the financial planning or advice-based services
provided at First Tech Federal Credit Union, through Raymond James, are not
HP endorsed or recommended. HP is independent of Raymond James and is
not responsible for any of the information or advice provided in this
presentation.
You should discuss any tax or legal matters with the appropriate professional.
Please note, changes in tax laws may occur at any time and could have a
substantial impact upon each persons situation. While we are familiar with
the tax provisions of the issues presented herein, as Financial Advisors of
RJFS, we are not qualified to render advice on tax or legal matters.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

This workshop may contain information regarding retirement planning. None

of Hewlett-Packard, Intel or PGEs sponsored credit unions, including First
Tech, have been designated as a sponsored source for investment advice or
education, or any other services with respect to the employee benefit plans
sponsored by your employer, including the following plans:*

*Please

401(k) Plan
Cash Account Pension Plan (CAPP)
Retirement Plan
Retirement Medical Savings account (RMSA)
Executive Deferred Compensation Plan (EDCP)

contact your benefits for information regarding these plans.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

First Tech is a Full Service Financial Institution

Savings Accounts

Checking Accounts

Personal Loans &

Lines of Credit

Credit Cards

Home Loans

Insurance Services

Investment
Services*

Online & Mobile

Banking

Financial
Education

* Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
Securities offered through Raymond James
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Agenda
Financial Organization
Credit
Student Loans
Buying a Home
Saving vs. Investing
Investments
Retirement Planning
Insurance
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Financial Organization

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Financial Planning Pyramid

Long-Term Goals

Financial
Independence

Short- to Intermediate-Term
Goals

Home
College

Car

Emergency Fund

Cash Flow

(Electronic withdrawals for effortless

savings)

Insurance

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Foundation Goals

Personal Balance Sheet

Assets

Savings
IRAs
401(k)s
Retirement Plans
Home
Other Real Estate
Total
Assets

Liabilities

Total
Liabilities

Mortgage
2nd Mortgage
Auto Loan(s)
Credit Card Debt
Personal Debt

Net Worth

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Cash Flow Statement

Income

Wages/Salary
Pension
Rental Income
Dividends/Cap Gains
Social Security
Other Income

Total Monthly
Income

Expenses
Fixed Expenses
Debt Service
Monthly Expenses
Goal Accumulation
Annual/Semi-Annual Expenses
Variable Expenses
Food, Clothing
Entertainment
Total
Expenses

Disposable
Income

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Emergency Fund
Helps prepare you for the unexpected:

Job loss
Medical expense
Repairs
Typically recommend 3-6 months of living expenses saved

Start small get in the habit of making regular deposits

Liquidity is important. Consider savings accounts, money
markets, CDs, etc.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Credit

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Credit Scores
What is a credit score?
A number representing the credit worthiness of a person or the likelihood
that person will pay his/her debts.
Generally, the higher the score, the less credit risk a person presents.

Your score is typically based on statistical analysis. Factors can include:

On-time payments
Total and available debt
Age of open credit lines (the longer, the better)
Frequency with which you apply for new credit

There are many different scoring models (e.g. FICO)you may have
several different scores at one time

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

How to Get It
Deposit secured loans and credit cards
Student loans
If needed, apply with a co-signer
Checking accounts overdraft protection

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

How to Keep It & Improve It

Have credit cards - but manage them responsibly. Someone with no
cards tends to be higher risk than someone who has managed cards
responsibly.
If youre new to credit, don't open a lot of new accounts to just increase
your available credit. This could actually lower your credit score.

Make timely payments and do not exceed your credit limits.

Maintain a reasonable overall debt to income ratio.
If you missed payments, get current and stay current.

Closing an account doesn't make it go away. It will still show up on your

credit report, and may be considered by the score.
Full payoffs are ideal! This helps build credit and avoids interest accrual.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

How to Prevent It From Ruining Your Life

Pay more than the minimum monthly payment.

Dont spend money you know you dont have.

Use a debit card for the situations when a credit

card is required.
Consider protecting yourself with identity theft
protection coverage

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

What to Do if You Have Bad Credit

Credit counseling services are available.
Bankruptcy a last resort.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Reporting Agencies
You can obtain free annual credit reports from the
three major credit bureaus: Equifax, Experian, and
TransUnion
www.annualcreditreport.com

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Student Loans

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Repayment Options
Interest rate reductions
Automatic debit

Bi-weekly payments
Larger payments

Loan consolidation

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Dealing with loan repayment

Forbearance
Deferment

Missed payments
Default

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Buying a Home

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Own vs. Rent Considerations

Advantages to owning a home vs. renting:
Opportunity to accrue equity
Potential tax advantages
Steady payments (with a fixed-rate loan)
Ability to remodel/decorate according to
personal tastes

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Before You Buy

Decide on fixed or variable rate loan
How much down payment?

Best ways to save for home purchase

How to get the lowest interest rate

How is the local real estate market

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Savings vs. Investing

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

The Cost of Waiting to Invest

The earlier, the better
Attempting to play catch-up can be very difficult
Dollar cost averaging investing smaller amounts
more often to participate in the market
regardless of current conditions

Put compounding on your side!

Investing involves risk and investors may incur a profit or a loss.
Investors are reminded that dollar cost averaging does not assure a profit and does not protect against loss in
declining markets. Since it does involve continuous investments in securities regardless of fluctuating markets,
investors should consider their willingness to continue purchases during market downturns.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

The Cost of Waiting to Invest (continued)

$3,000 annual investment

at 6% annual growth
(assumes reinvestment of all
earnings and no tax)

These returns are for illustrative purposes and are not

intended to predict the return of any investment.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Investment Based on Time Horizon

Up to 1 Year
Short-Term Savings
Savings
CDs
Money Market

2-5 Years
Intermediate-Term
Savings
Bonds
T-Bills
Corporate
Junk (High Yield)

Stocks
Individual

Over 5 Years
Long-Term Savings
401(k)s
IRAs
SEP IRAs
Annuities
Mutual Funds
REITs

Other
REITs
Commodities

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Fundamentals of Personal Finance

Identify your goals:
Retirement
Financial independence

Education funding
Stuff

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Fundamentals of Personal Finance

Develop a plan
Implement your plan
Monitor your plan

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Investments

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Investment Products
Growth
Stocks
REITs
Options

Income

Treasury Bills/Notes
Corporate Bonds
Junk (High Yield) Bonds
Bonds
Money Market Fund
Certificates of Deposit

This chart is provided for illustrative purposes only. It is not a complete description. Here are some risks associated with each investment.
REITS: Possible lack of liquidity and devaluation based on adverse economic and regulatory changes. Investments in REITs will fluctuate with the value
of underlying properties, and the price at redemption may be more or less than the original price paid.
Stocks: Investing involves risk and investors may incur a profit or a loss.
Bonds: Interest rate risk, market risk, call risk, prepayment risk, credit risk, and reinvestment risk.
Junk (High Yield) Bonds: May experience greater volatility and a higher risk of default than other investments and therefore may not be suitable for
every investor.
Money Market Funds: Not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money
market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Assess Your Risk Tolerance

Timeframe
Risk Tolerance Profile
Partners Risk Tolerance Profile
Ulcer Factor
Personal Comfort Index
Emotions can cause poor decision-making when
your risk tolerance is overstated.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

A Model Portfolio
Jean:
Age:
Goal:
Time Frame:
Risk Tolerance:

Just starting out

28
A comfortable retirement
30 to 40 years
Moderate to Aggressive
Cash Alternatives

Short-Term
Bonds

Large-Cap Growth

10%

15%

20%

20%

Large-Cap
Value

5%
High Yield
Bonds

20%
International Equity

10%
Small Cap Equity

This asset allocation is for illustrative purposes only and is not a recommendation nor is it intended to represent the asset
allocation for all individuals with the same characteristics. Source: Broadridge Investor Communication Solutions, Inc.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

A Model Portfolio
Bob:
Age:
Goal:
Time Frame:
Risk Tolerance:

Near Retirement
65
A Comfortable Retirement
1 to 5 years
Conservative

Cash Alternatives

Large-Cap Value

10%
40%

10%

High Yield Bonds

5%
35%

International
Bonds

Short/Intermediate-Term
Bonds
This asset allocation is for illustrative purposes only and is not a recommendation nor is it intended to represent the asset
allocation for all individuals with the same characteristics. Source: Broadridge Investor Communication Solutions, Inc.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Retirement Planning

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Various Retirement Plans

Personal Plans
Individual Retirement
Accounts (IRAs)
Roth IRAs
SEP IRAs
Annuities

Employer-Sponsored Plans
401(k)s
Pension Plans
403(b)s

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Individual Retirement Accounts (IRAs)

Traditional IRA

Roth IRA

Contributions may be tax-deductible.

Contributions are never tax-deductible.

Accrues earnings on a tax-deferred basis.

Accrues earnings on a tax-free basis.

Assets are not taxed until they are withdrawn

Qualified distributions are tax-free (only if you
(you can defer paying taxes until retirement
have had the account five years and youre
when youre most likely in a lower tax bracket.) 59, disabled, using the withdrawal to
purchase a first home, or deceased). Note:
Because qualified distributions are tax-free,
some argue that a Roth IRA is more
advantageous than a Traditional IRA.

No maximum on income

For 2014, AGI must be less than $114,000 for

single taxpayers and $181,000 for couples with
a joint return for maximum contribution.

This is not a complete comparison of all features. Consult your financial advisor about your situation prior to making an investment
decision.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Individual Retirement Accounts (IRAs)

Early withdrawal penalties can apply.
IRA account holders have several investment
options available to them.
Designate a beneficiary.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Insurance Coverage

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Important Insurance Facts

How much coverage do you need?

Cost of Insurance
Who needs coverage?
Where to get insurance
Types of life insurance:
Term
Group/Employer Plans
Universal

Renters/Homeowners insurance
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Contact Us

First Tech
Member Contact
Center

Investment
Services Support
Center

24/7,
Monday Friday
855.855.8805

8 am 5 pm (PT),
Monday Friday
855.744.8585

firsttechfed.com
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Questions?

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Thank You!

Jim Price, CRPC, AWMA

Financial Advisor, RJFS
Addison Avenue Investment Services
30200 SW Boones Ferry Rd., Ste 58 Wilsonville, OR 97070
503.350.4524 | 855.744.8585
Jim_price@addisonavenue.com | firsttechfed.com
Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, and are:

Not deposits
Not insured by NCUA or any other governmental agency
Not guaranteed by First Tech Federal Credit Union
Subject to risk and may lose value

First Tech Federal Credit Union and Addison Avenue Investment Services are independent of
Raymond James. Any opinions are those of [Advisor Name] and not necessarily those of RJFS or
Raymond James.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

The information contained in this report does not purport to be

a complete description of the securities, markets, or
developments referred to in this material. Any information is
not a complete summary or statement of all available data
necessary for making an investment decision and does not
constitute a recommendation. Any opinions are those of
[Advisor Name] and not necessarily those of RJFS or Raymond
James. Investments mentioned may not be suitable for all
investors. You should discuss any tax or legal matters with the
appropriate professional.

Consult your financial advisor about your unique situation prior to making an investment decision.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, which is not affiliated with Addison Avenue Investment Services or First Tech Federal Credit Union. Investment advisory services offered
through Raymond James Financial Services Advisors, Inc. Securities are not guaranteed by the Credit Union. Not NCUA/NCUSIF Insured. Not a deposit. Not insured by any government agency. Subject to risk and may lose value.

Thank you
NSBE Portland Professionals
@nsbepropdx
The NSBE Professionals of Portland Metro