The freedom to live the retirement lifestyle of your choice with more time to spend with your friends and family can make your retirement years truly enjoyable. However, this is not the time to become complacent about your financial initiatives. Stay open to new ideas and opportunities to leverage your money, even if you are satisfied with your products and their performance.

Here are some ways Blackhawk Bank can help you fortify your financial position during your retirement years.

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Ah, those wonderful retirement years...

1. Make the most of your money

No matter what your investment style may be, the professional Financial Advisors at Blackhawk Investment Group can tailor solutions designed to meet your specific goals. To do this, we're associated with one of the premiere financial service companies in the United States - Raymond James Financial Services Inc., member FINRA/SIPC.  We have offices located inside Blackhawk Bank at 400 Broad Street, Beloit; 2475 N. Perryville Road, Rockford and 2141 N. State Street in Belvidere. Advisors Nancy Heidt and David White welcome your calls.  

Thinking of a second home?  Retirement years afford you the time to get away, perhaps to a climate that welcomes you with warmth and sunshine during those long Mid-west winter months. Blackhawk Bank's Mortgage Planners are on top of everything you need to know.  Contact one of them at an office near you to discuss your options. 

Blackhkawk Bank's Easy Money Checking has benefits that you’ll truly appreciate. Not only can you earn an amazingly high rate of interest, but this account will refund any ATM fees you incur while traveling – for pleasure or business – anywhere in the world, as long as you meet two simple requirements. If you don't already have this checking account featuring rates better than most of today's CDs, don't delay - open one today!  Read all about it here. 


2. Save time & money with Online & Mobile Banking

With Online & Mobile Banking you can stay on top of your finances anywhere, anytime.  Blackhawk Bank has Apps for iPhone, iPad and Android that make mobile banking easier than ever.  And, they're highly rated for security. Read about the certification here

Use Bill Pay to reduce the time it takes to pay your bills and save on the expense of checks and postage. And why not enroll (if you haven't already) for eStatements and Notices? Most Americans don't even open their statements; instead we rely on the up-to-the minute account information we read online.   Eliminate the need to shred your statements, and if you find you need one printed, simply choose to do so at home. 

If there's any aspect of online or mobile banking that you'd like help with, stop by.  Have a cup of coffee and relax while we get you pointed in the right direction. We're here to help!

3. Direct Deposit gives you fast access to your cash

With Direct Deposit, your funds are available and your money begins working for you right away. Plus, you’ll have added safety with no chance of your check being lost in the mail or stolen. Most companies offer payroll Direct Deposit, and all new Government checks are now direct-deposited.

4. Rent a Safe Deposit Box

Safe Deposit Boxes are a fire and theft-proof vault in which you can store important items that would be difficult or impossible to replace.  Blackhawk Bank’s Safe Deposit Boxes offer privacy and greater security than keeping your valuables and important documents almost anywhere else.  Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's Safe Deposit Vault instead of at home - check with your agent.  We offer several different Box sizes at a variety of banking centers.  Call 800.209.2616 to ask about availability. 

5. Leave a legacy

We can help you create the legacy you want, and administer your assets according to your wishes.  An extensive range of investment advisory services are available through the advisors at Blackhawk Investment Group, and are offered through Raymond James Financial Services Advisors, Inc.

Blackhawk Bank and Blackhawk Investment Group are independent of Raymond James Financial Services. Securities are offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are not insured by FDIC, any other government agency, or any other bank insurance, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the loss of principal.

6. Let's talk about it - elder care, estate planning checklist & more

Your retirement years may be a time of life when you're caring for elderly parents. And often, taking care of them means that you're dealing with their finances while also taking care of your own. It can be overwhelming, to say the least.  Blackhawk Bank has compiled a booklet titled  Living Beyond Retirement that offers many helpful tips, whether you're caring for others or just yourself.   We invite you read it here, or stop by a Banking Center for your complimentary copy. 

Decisions about the disposition of one's estate, burial and funeral arrangements can be made now, relieving family members of making important decisions under duress. Pre-planning can begin at any time, most often in conjunction with the establishment of financial and legal documents such as wills or powers of attorney. Consider it a 'love letter' to your family to have everything in order and written down.  


Tips for Effective Financial Management

  • Take advantage of senior discounts wherever you can, and don’t be shy in asking for them.
  • Do not invest with someone you don't know.  Scams targeted at retirees abound.  Your investment opportunities should be carefully researched and verified by reputable professionals.
  • Be informed.  From your investments to your insurance you’ll want to audit your current portfolio and policies and make the necessary changes to reflect your needs and preferences as a retiree.
  • Create a complete and detailed listing of your financial, investment, insurance and trust products and put a copy in your safe deposit box.

For help determining the best accounts and products for sound and productive money management during your Retirement Life-Stage, please call a Personal Banker or Financial Advisor at 800.209.2616, or stop by any office. 

Raymond James Financial Advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered.  Therefore, a response to a request for information my be delayed.  Please note that not all of the investments and services mentioned are available in every state.  Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Blackhawk Investment Group and Blackhawk Bank are independent of Raymond James Financial Services.  Investment Advisory services offered through Raymond James Financial Services Advisors, Inc. Raymond James Privacy Notice  Blackhawk Investment Group | 400 Broad Street, Beloit, WI 53511