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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Protect Your Wealth and Start Paying Yourself

1. Use Easy Money Checking

This account 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.

2. Conserve time and money

With convenient Online Banking and Bill-Pay you can stay on top of your finances anywhere, anytime. You’ll reduce the time it takes to pay your bills and save on the expense of printed paper checks and postage while helping the environment as well.

3. Improve funds availability and save time with Direct Deposit

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

This is a fire and theft-proof place to store important items that would be difficult or impossible to replace.  Blackhawk Bank’s Safe Deposit Boxes offer privacy and in most cases, greater security than keeping your valuables and important documents elsewhere.  Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's Safe Deposit Vault instead of at home.

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. Relieve your family from making difficult decisions

Decisions about the disposition of your estate, a living will, burial and funeral arrangements can be made now so your wishes will be known and your family will be relieved of making important decisions under duress. Preplanning can begin at any time, most often in conjunction with the establishment of other financial and legal documents such as wills or powers of attorney.

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.