This is a financial seminar conducted by MassMutual, Northern California for the benefit of San Francisco Federal Credit Union's members and their families.

Planning for retirement can seem overwhelming, but it doesn’t have to be. Retirement plans are different for everyone, however, there are several things that almost everyone should consider when planning for retirement.
Some key topics that will be covered at this free seminar:

• How early should you start planning for retirement?

• Do you have a target date/age you would like to retire?

• What do you want your retirement to look like?

• What sources of income will you have - and be able to rely on - during your retirement?

Join us for this free, informative event. Your friends and family are welcome to attend. Complimentary refreshments will be provided. Seats are limited.

Products offered through MassMutual and/or MML Investors Services are not a credit union deposit or obligation, guaranteed by any credit union, not NCUA insured and not insured by any government agency. May go down in value.
Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC, member SIPC (www.sipc.org). OSJ Office 3003 Oak Road, Suite 250, Walnut Creek, CA 94597. (925)979-2300. San Francisco Federal is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies. Zhou CA Insurance Lic.#0O82620. CRN202001-224866.Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual), and are not subsidiaries of MassMutual or its affiliated companies.