Investments Plan for your financial future. Find your path to financial security. Explore your options Talk to your financial representative. Log in to the member website. Life Insurance Annuities Investments All Products By planning ahead, you increase the likelihood you will have adequate financial resources to meet your important financial goals. Your investing plan should match your personal financial goals. A wide variety of investment products are available through MWA Financial Services Inc., a wholly owned subsidiary of Modern Woodmen of America. Investments may be suitable for people who are willing to accept more risk in exchange for better potential long-term performance. Financial representatives have the tools and experience to help you put together a strategy that is appropriate for your risk tolerance and goals. Mutual funds Mutual funds give you the ability to invest in a diversified portfolio of stocks, bonds, cash equivalents or other investments without requiring you to invest a large amount of money. Your share in a mutual fund represents one piece of all the fund’s holdings. As the value of the securities in the mutual fund fluctuates, so does the fund’s share value, although the volatility of a mutual fund is generally less than that of the individual securities that make up the mutual fund. Mutual funds: Are professionally managed so you don’t have to worry about selecting the investments within the mutual fund. Are liquid investments that may be conveniently bought or sold any day the market is open. Share prices are determined by the value of the underlying securities in the mutual fund as of the close of the market at the end of the day. May be held within a retirement account, such as a Traditional IRA or Roth IRA. Our registered representatives have access to many different mutual fund families, including: Diversification does not assure a profit and is not a guarantee against loss. Consider the investment objectives, risks, and charges and expenses of the investment company carefully before investing. Investments in mutual funds are subject to market risks, including the potential loss of principal. For this and other information about the investment company, obtain a prospectus from your Modern Woodmen representative. Read it carefully before you invest or pay money. Brokerage accounts Brokerage accounts allow you to invest in a wider array of securities products, including: Mutual funds. Stocks. Bonds. Exchange-traded funds. A brokerage account may appeal to investors who want to: Invest in individual securities, like stocks and bonds. Consolidate mutual funds held with multiple mutual fund families. Consolidate different types of investments within one account. Have a comprehensive asset management account that combines your brokerage, check-writing, money market fund and Visa debit card activity into one package and reported to you on a single consolidated statement. Brokerage accounts are established through Pershing, LLC, a subsidiary of BNY Mellon. Explore your options Life insurance Annuities 529 plans Saving for college is a priority for many families today, and a 529 plan gives you the ability to save for higher education expenses while receiving tax benefits not found in other investment options. 529 plans are state-sponsored savings plans. They are usually invested in mutual funds, so you have the ability to decide the level of risk you're willing to accept to achieve your college-savings goals. Here are some reasons why you may want to use a 529 plan for your college savings goals: Depending on the state you reside in and the plan you enroll in, your contributions may qualify for a state income tax deduction. Any earnings will grow tax-deferred. Withdrawals used to pay for qualified educational expenses may be received income-tax free. Many can be started with as little as $25 a month. Money may be transferred from one eligible family member to another eligible family member without experiencing any adverse tax consequences. Savings Saving as a College Student Ready to get started? Talk to your financial representative. 401(k) plans A 401(k) plan is an employer-sponsored retirement plan that offers several income tax benefits for those looking to save for retirement. Some of the possible income tax benefits include: Income tax-deductible employer contributions. The employer may qualify for an income tax credit of up to $500 per year for the first three years of the plan. Pretax employee contributions. After-tax Roth employee contributions have the potential for income tax-free withdrawals after attaining age 59½.* 401(k) plans are usually invested in mutual funds, so each plan participant will have the ability to decide the level of risk he/she is willing to accept to achieve savings goals. 401(k) plans are available for businesses of all sizes, including the self-employed. Employee salary deferral contribution limits** Age as of Dec. 31 of the calendar year Tax year 2021 Under 50 $19,500 Age 50 or older $26,000 *The Roth 401(k) permits participants to take qualified distributions tax-free if withdrawn after five years of first Roth 401(k) contributions and attainment of age 59½, death or disability. Nonqualified withdrawals may be subject to a 10 percent early withdrawal penalty, and the earnings portion of nonqualified withdrawals may be subject to income taxes. Tax issues involving Roth 401(k)s can be complex. Please consult with your tax or legal advisor before making any decisions. **These amounts are subject to indexing by the Internal Revenue Service and may increase in the future. Retirement distribution Rev Up for Retirement Ready to get started? Talk to your financial representative. Members with stories like yours Savings The Heim family’s story The Heims introduced their three daughters to a strong work ethic and basic financial principals at an early age. And now, the oldest is in college with no concerns of how to pay for it. Read the full story Josh Oberley FINANCIAL REPRESENTATIVE Retirement distribution Let's plan together for ... Life's moments Protection Savings Retirement planning Retirement distribution Estate planning Business planning Employee benefits Life's moments Select a financial goal from the drop-down menu to find helpful tips and articles. Your financial representative Meet a Modern Woodmen representative in your community and begin to explore how shared values can work for you. Find a rep near you Connect with us Need help? Contact us Phone: 309-558-3077 or 800-447-9811 Member login How we use your information Notice of collection for California residents Looking for a meaningful career? Grow with Modern Woodmen! As a financial representative, you can make a positive impact for your family and your community. Learn more © 2021 Modern Woodmen of America. All Rights Reserved. Terms of Use | Your Privacy | ONLINE PRIVACY POLICY How We Use Your Information Notice of Collection for California Residents MWA Financial Services Inc. Securities offered through MWA Financial Services Inc., a wholly owned subsidiary of Modern Woodmen of America, 1701 1st Avenue, Rock Island, IL 61201, 309-558-3100. Member: FINRA (opens in new tab), SIPC (opens in new tab). Check the background on either the firm or the representative on FINRA's BrokerCheck (opens in new tab). For more information, see the MWAFS Best Interest page. Products are available in most states. Individual representatives may not be licensed to sell all products.