Retirement Planning

It’s never too late. Begin preparing and saving for your retirement today!


When it comes to planning for retirement, the most important step is the first step.  By beginning now, even the small amount you set aside for the future can really add up over time.  See how your money can grow with our Compound Savings Calculator.

How do you envision your retirement to be like?  How much money will you need to live that lifestyle?  Fact is that you need to set clear goals before you can start the planning process.  Estimate how much income you’ll need in your golden years with our Retirement Income Calculator.


Development and implement a sound plan with a systematic approach to investing will help you take a big step forward toward a successful retirement.  However, it’s important to remember that change is a natural part of life and when it does, you’ll need to make adjustments in your approach to retirement planning.


  • Review your plan periodically
  • Reassess your risk tolerance
  • Rebalance your portfolio
  • Adapt to market conditions
  • Coordinate strategies with your retirement horizon


You’ve dreamed of it, planned for it and now the time has come to enjoy it.  The moment has arrived for you to sit back and relax.  But will you have enough money to cover your daily living expenses and still be able to live the lifestyle you worked so hard to achieve?

This is where professional expertise can be incredibly valuable.  A good financial advisor understands each individual’s unique situation and will really listen and help guide you through retirement planning and provide sound advice based upon your concerns.

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XCEL FCU is a credit union serving members in New Jersey, New York and across the country.

We are licensed in the following states.  If you are a legal resident of one of these states, please proceed.  We are sorry if we are unable to offer you our services at this time.

  • Securities: Arizona, Florida, New Jersey, New York, Texas

Lincoln Financial Advisors and its registered representatives do not give legal or tax advice.  Roy Schoenfeld is a registered representative of Lincoln Financial Advisors Corp.  Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker-dealer (Member SIPC) and registered investment advisor.  Insurance offered through Lincoln affiliates and other fine companies.  Lincoln Financial Advisors has formed a strategic alliance with XCEL Federal Credit Union.  XCEL Federal Credit Union is not affiliate of Lincoln Financial Advisors Corp.  While the two firms will work together to provide you with the best service possible, each firm is independently responsible for the services offered.

Non-deposit investment products and services are offered through Lincoln Financial Advisors, a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor.  Products offered through Lincoln Financial Advisors are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the XCEL Federal Credit Union, and may involve investment risk including possible loss of principal

  • Insurance: Arizona, Connecticut, Florida, New Jersey, New York, Pennsylvania, Texas

Unless otherwise identified, Associates on this website are registered representatives of Lincoln Financial Advisors Corp.  Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer and a registered investment advisor.  Member SIPC. Insurance offered through Lincoln affiliates and other fine companies and state variations thereof.  Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Firm disclosure information available at

See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary is available here for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things.  LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here.

  • Note:  Associated persons of Lincoln Financial Advisors Corp. who hold a JD and/or CPA license do not offer tax or legal advice on behalf of the firm.