Looking forward starts now.

Schedule a Financial Planning introductory call and follow-up appointment by clicking the button below. Follow-up meetings can be in-person, over the phone, or online via video chat. We can't wait to get to know you and help you build a retirement plan that aligns with your values and helps you reach your goals.

Retire like you mean it.

Picture your dream retirement. Whether you’re sipping a cold beverage on a warm beach, surrounded by giggling grandchildren in your family home, or checking cities off your bucket list one-by-one, getting there starts right here. Our financial planning staff, who are registered representatives of Infinex Investments, Inc.,* can guide you steadily toward that ideal future with retirement budgeting strategies you can put in motion now.

Fortera & Infinex: Teaming up to make your dreams a reality

In order to offer our members thoughtful and customized retirement solutions, we have partnered with Infinex Financial Group. Our licensed and experienced Financial Planning staff, who are registered representatives of Infinex Investments, Inc., offer impartial, thoughtful advice tailored to your situation and goals, and are always here to help you navigate big life decisions with confidence. Talk to us today and get started on building a bright future.

We have three different strategies to help save for retirement. You can dive into one or combine two (or more) — that part is up to you. Explore our IRA's, 401(k)'s, and Income Strategies.


Option 1

An IRA, short for Individual Retirement Account, is a long-term investment and savings account that helps you put away funds for retirement. With an IRA, you can build up your own independent nest egg, whether or not you have access to an employer-funded 401(k). That’s what we call taking your future into your own hands.

Compare Roth vs. Traditional

Roth IRA

May be appealing if you don’t qualify for tax-deductible contributions to a Traditional IRA, or if you feel strongly about minimizing taxes and preserving your assets during retirement.

Traditional IRA

The Traditional IRA is a great option if you’re interested in keeping your yearly tax bill lower while you’re still working.

Not sure?

That's ok. That's why we are here. Email our team your questions and we can help you build your own retirement roadmap. Members should consult a tax advisor for additional tax information.


Option 2

If your employer offers a 401(k) plan, you can choose to redirect a portion of your income to the 401(k) for retirement savings. The money you put toward your 401(k) won’t be taxed until you start to receive payments from the plan — usually once you’re enjoying your retirement.

What happens to my 401(k) if I leave my job?

Generally, when you leave your employer, you forfeit all employer-made contributions to your 401(k) that are not yet vested. Contributions from your employer become “vested,” aka become all yours, over a period of time, typically around six years of service. However, all of the money you contribute yourself is vested from the get-go (win), so no matter how long you plan to stay with your employer, taking advantage of your 401(k) right away — especially if the employer matches any percentage of your contributions — is a smart move.

Whether you stay at your job for 30 years or leave early, our team can help you maximize the value of your 401(k).

Income Strategies

Option 3

While IRAs and 401(k)s are designed to help you put away money for retirement, you can also prepare for the future — and make the most of your retirement — with Income Strategies. An Income Strategy is a plan to configure your income, savings (retirement savings included), and assets so they can support you during your retirement.

To create an income strategy, our financial planning staff, who are registered representatives of Infinex Investments, Inc., can help you:

  • Assess your current and planned expenses

  • Evaluate future sources of income (including retirement plans)

  • Identify and account for potential gaps between income and expenses

  • Anticipate essential and nonessential expenses in retirement

  • Position your assets to generate income

  • Uncover new sources of income, both passive and active

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We believe money management guidance should be holistic, free, and personal. If that sounds like what you are looking for, give us a call at 931.431.3315 (please note, this number is voice only and does not accept text messages).

What's New

* Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Fortera Wealth Management is a trade name of Fortera Credit Union. Infinex and Fortera Credit Union are not affiliated. Products and services made available through Infinex are not insured by NCUA or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including possible loss of value. For more information, please visit or

Members should consult a tax advisor for additional tax information.