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Help Guide Me
The Help Guide Me tool can help you quickly and easily find the investment services
and products designed specific to help meet your unique financial needs.
- 1
Planning Goal
- 2
Current Progress
- 3
Time Horizon
- 4
Savings
- 5
Results
Savings
Roughly how much have you saved toward retirement so far?
Roughly how much have you invested so far for your child's education?
How much progress have you made toward your savings goal so far?
Savings is a required field
Results
Thanks for using the Help Guide Me tool. You are someone who:
- Is interested in retirement planning.
- Has already started saving toward retirement. Congratulations! You've
taken the first step.
-
Has not started saving toward retirement. Although you haven't started, it's never
too late to begin. Plus, you've just taken the first step in the planning process.
- Needs access to your savings
in less than 3 years. That's why creating a solid savings strategy now, can now
help you reach your short term goals.
- Does not need your retirement
savings in the near future. Great! Time is on your side.
- Has saved less than $25,000. You've started
making progress toward your retirement goal. Now, learn how to save even more with
a personalized plan.
- Has already saved more than $25,000. Good
job! You're making progress toward your retirement goals.
- Has saved more than $50,000. Great job! You've
already made progress toward your retirement planning goals.
- Has saved more than $200,000. Congratulations!
You've made significant progress toward your retirement goals.
- Has saved more than $1 million. Congratulations!
You've made significant progress toward your retirement goals.
Now that we understand where you are in the planning process, here are a few basic
recommendations based on your answers.
Charter One can help you plan for retirement by providing several product and service
options designed specifically to help you meet your goals including:
To learn more about how Charter One can help you with your retirement planning needs,
please call 1-888-411-8711 or you can visit your
local Charter One branch.
Start Over
Now that we understand where you are in the retirement planning process, here are
a few basic recommendations based on your answers.
A key to achieving your retirement planning goals is to ensure you have a strategy
in place that's designed to help meet your long-term planning needs.
A Charter One Investment Services Financial Consultant can create a personal retirement plan and customize
a portfolio based on your needs, which may include:
* One should consider the potential costs and fees associated with rolling over a 401(k) to Charter One Investment Services in addition to any features or benefits one may lose as a result of this action.
Contact a Financial Consultant
A Charter One Investment Services Financial Consultant can help you make smart investment decisions. To
schedule an appointment:
Fill out the following quick and easy form and we'll contact you:
Schedule an Appointment
You can also call 1-888-411-8711 or
visit a local branch
Want to learn more about investing? Check out our
Investing Basics section.
Start Over
Now that we understand where you are in the retirement planning process, here are
a few basic recommendations based on your answers.
A key to achieving your retirement planning goals is to ensure you have a strategy
designed to help meet your long-term planning needs. A Charter One Investment Services Financial Consultant can
create a personal retirement plan and customize a portfolio based on your needs,
which may include:
* One should consider the potential costs and fees associated with rolling over a 401(k) to Charter One Investment Services in addition to any features or benefits one may lose as a result of this action.
Or, if you prefer a more hands off approach to investing and you would like to have
someone manage the retirement planning process for you, schedule an appointment
about opening a Managed Account. There are many types and options available depending
on your needs. Your Financial Consultant will help to determine the applicable options
for you.
Contact a Financial Consultant
A Charter One Investment Services Financial Consultant can help you make smart investment decisions. To
schedule an appointment:
Fill out the the following quick and easy form and we'll contact you:
You can also call 1-888-411-8711 or
visit a local branch
Want to learn more about investing?
Check
out our Investing Basics section.
Start Over
Now that we understand where you are in the planning process, here are a few basic
recommendations based on your answers.
A key to achieving your retirement planning goals is to ensure you have a strategy
designed to help meet your long-term planning needs.
A Charter One Investment Services Financial Consultant can create a personal retirement plan and customize
a portfolio based on your needs, which may include:
* One should consider the potential costs and fees associated with rolling over a 401(k) to Charter One Investment Services in addition to any features or benefits one may lose as a result of this action.
You may also be interested opening an investments Managed Account -- which offers
more of a hands off approach to investing, as someone will manage the retirement
planning process for you, schedule an appointment to learn more.
Contact a Financial Consultant
A Charter One Investment Services Financial Consultant can help you make smart investment decisions. To
schedule an appointment:
Call 1-888-411-8711
You can also visit a local branch, or
we’ll contact you when you fill out the following quick and easy form:
Want to learn more about investing?
Check
out our Investing Basics section.
Start Over
Now that we understand where you are in the planning process, here are a few basic
recommendations based on your answers.
Based on your answers, we understand your investing and banking needs may be more
intricate than most.
That's why we would like the opportunity to talk with you about our Charter One Private Bank & Trust
program.
Some of the key benefits of Charter One Private Bank & Trust include:
Investing and Retirement Guidance
- Create a customized investment strategy to meet your long-term needs.
- Acquire comprehensive Investment Management services and strategies.
- Receive help with other services including estate planning, personal trusts, charitable
planning and more.
Specialized Banking Services
- One-on-one attention and counsel from a dedicated advisor.
- Around the clock private wealth management solutions–anytime, anywhere.
- Highly personalized banking products featuring our best rates.
To learn more about Charter One Private Bank & Trust and other products and services,
speak to a Client Advisor. They can help you make smart investment decisions for
your future-24 hours a day. To schedule an appointment:
Fill out the following quick and easy from and we'll contact you:
Schedule an
Appointment
You can also call 1-888-411-8711 or visit a local
branch
Want to learn more about investing?
Check
out our Investing Basics section.
Start Over
- Is interested in education planning.
- Has already started saving towards your child's education plan. Congratulations!
You've taken the first step.
-
Has not started saving towards your child's education. Although you haven't started,
it's never too late to begin. Plus, you've just taken the first step in the planning
process.
- Has a need to access the savings
in less than 3 years. That's why creating a solid savings strategy now, can
help you reach your short term goals.
- Does not need your education savings
in the near future. Great! Time is on your side.
- Has saved less than $25,000. You're starting
to make progress toward your goal. Now, learn how to save even more with a personalized
plan.
- Has already saved more than $25,000. Good
job! You're making progress toward your education planning goals.
- Has saved more than $50,000. Great job! You've
already made progress toward your education planning goals.
- Has saved more than $200,000. Congratulations!
You've made significant progress toward your education planning goals.
Now that we understand where you are in planning for your child's education, here
are a few basic recommendations based on your answers.
Charter One can help you with your education planning by providing several product
and service options designed specifically to help you meet your goals including
the following savings programs:
To learn more about how Charter One can help you with your education planning needs,
please call 1-888-411-8711 or you can
visit your local Charter One branch.
Start Over
Now that we understand where you are in planning for your child's education, here
are a few basic recommendations based on your answers.
The key to achieving your education planning goals is to ensure you have a strategy
designed to meet your long-term planning needs.
A Charter One Investment Services Financial Consultant can create a personal, customized education plan
for you which may include the following:
- State-sponsored
529 plans* are one of the most popular and tax-advantaged ways to save for your
child's college and graduate school with great perks including:
- Tax-free withdrawals if used for primary education purposes including paying for
tuition, fees, room and board, books, supplies and equipment.
- Funds can be used at any accredited college in the U.S.
- No federal income tax on any investment earnings.
*One should consider the investment objectives, risks, charges and expenses carefully before investing in municipal fund securities.
More information about municipal fund securities is available in the issuer's official statement. The official statement should be read carefully before investing.
- Custodial
Accounts are an easy way for parents, family members and guardians to transfer
their wealth to a minor with the following benefits:
- Tax benefits. Up to $12,999 per beneficiary, per donor, per year will not be subject
to a gift tax.
- All assets are considered a gift with no limitations on how much you can entrust
to the minors.
- Easier and less expensive to set up than a trust account.
Contact a Financial Consultant
A Charter One Investment Services Financial Consultant can help guide you to make investment decisions designed
to meet your goals. To schedule an appointment:
Fill out the following quick and easy form and we'll contact you:
You can also call 1-888-411-8711 or visit a local
branch
Want to learn more about investing? Check out our
Investing Basics section.
Start Over
Now that we understand where you are in planning for your child's education, here
are a few basic recommendations based on your answers.
The key to achieving your education planning goals is to ensure you have a strategy
designed to meet your long-term planning needs.
A Charter One Investment Services Financial Consultant can create a personal, customized education plan
for you which may include the following:
- State-sponsored
529 plans* are one of the most popular and tax-advantaged ways to save for your
child's college and graduate school with great perks including:
- Tax-free withdrawals if used for primary education purposes including paying for
tuition, fees, room and board, books, supplies and equipment.
- Funds can be used at any accredited college in the U.S.
- No federal income tax on any investment earnings.
- Custodial
Accounts are an easy way for parents, family members and guardians to transfer
their wealth to a minor with the following benefits:
- Tax benefits. Up to $12,999 per beneficiary, per donor, per year will not be subject
to a gift tax.
- All assets are considered a gift with no limitations on how much you can entrust
to the minors.
- Easier and less expensive to set up than a trust account.
*One should consider the investment objectives, risks, charges and expenses carefully before investing in municipal fund securities.
More information about municipal fund securities is available in the issuer's official statement. The official statement should be read carefully before investing.
Or, if you prefer a more hands off approach to investing and you would like to have
someone manage the education planning process for you, schedule an appointment about
opening a Managed Account. There are many types and options available depending
on your needs. Your Financial Consultant will help to determine the applicable options
for you.
Contact a Financial Consultant
A Charter One Investment Services Financial Consultant can help you make smart investment decisions. To
schedule an appointment:
Call 1-888-411-8711
You can also visit a local branch, or we'll contact
you when you fill out the following quick and easy form:
Want to learn more about investing?
Check
out our Investing Basics section.
Start Over
Now that we understand where you are in planning for your child's education, here
are a few basic recommendations based on your answers.
The key to achieving your education planning goals is to ensure you have a strategy
designed to meet your long-term planning needs A Charter One Investment Services Financial Consultant can
create a personal, customized education plan for you which may include the following:
- State-sponsored
529 plans* are one of the most popular and tax-advantaged ways to save for your
child's college and graduate school with great perks including:
- Tax-free withdrawals if used for primary education purposes including paying for
tuition, fees, room and board, books, supplies and equipment. Funds can be used
at any accredited college in the U.S.
- No federal income tax on any investment earnings.
- Custodial
Accounts are an easyway for parents, family members and guardians to transfer
their wealth to a minor with the following benefits:
- Tax benefits. Up to $12,999 per beneficiary, per donor, per year will not be subject
to a gift tax.
- All assets are considered a gift with no limitations on how much you can entrust
to the minors.
- Easier and less expensive to set up than a trust account.
*One should consider the investment objectives, risks, charges and expenses carefully before investing in municipal fund securities.
More information about municipal fund securities is available in the issuer's official statement. The official statement should be read carefully before investing.
Or, if you prefer a more hands off approach to investing and you would like to have
someone manage the education planning process for you, schedule an appointment
about opening a Managed Account. There are many types and options available depending
on your needs. Your Financial Consultant will help to determine the applicable options
for you.
Contact a Financial Consultant
A Charter One Investment Services Financial Consultant can help you make smart investment decisions. To
schedule an appointment:
Call 1-888-411-8711
You can also visit a local branch, or we'll contact
you when you fill out the following quick and easy form:
Want to learn more about investing?
Check
out our Investing Basics section.
Start Over
- Is interested in General Investing.
- Has already started saving. Congratulations! You've taken the first
step.
-
Has not started saving. Although you haven't started, it's never too late to begin.
Plus, you've just taken the first step in the planning process.
- Needs access to your savings in
less than 3 years. That's why creating a solid savings strategy now, can now help
you reach your short term goals.
- Does not need your retirement savings
in the near future. Great! Time is on your side.
- Has saved less than $25,000. You've started
making progress toward your goal. Now learn how to save even more with a personalized
plan.
- Has already saved more than $25,000. Good
job! You're making progress toward your goal.
- Has saved more than $50,000. Great job! You've
already made progress toward your goal.
- Has saved more than $200,000. Congratulations!
You've made significant progress toward your goal.
- Has saved more than $1 million. Congratulations!
You've made significant progress toward your goal.
Now that we understand where you are in the planning process, here are a few basic
recommendations based on your answers.
Charter One can help you plan to meet your goal by providing several product and
service options designed specifically to help you including:
To learn more about how Charter One can help you with your savings needs please
call 1-888-411-8711 or you can visit your
local Charter One branch.
Start Over
Now that we understand where you are in the planning process, here are a few basic
recommendations based on your answers.
The key to achieving your long-term planning goals is to ensure you have a strategy
designed to help meet your needs.
A Charter One Investment Services Financial Consultant will recommend various investment products based
on your personal financial goals which may include a combination of :
- Stocks.
Enables you to own an actual percentage (shares) of a company.
- Bonds: A
bond is a debt or loan that a company takes out to raise capital–usually with a
defined term, or maturity date, after which the bond is redeemed.
- Mutual funds:
Mutual funds are professionally managed securities that pools together the money
of many investors and invests the assets into a fund with a set objective.
A Charter One Investment Services Financial Consultant can help guide you to make investment decisions designed
to meet your goals. To schedule an appointment:
Fill out the following quick and easy form and we'll contact you:
Call 1-888-411-8711 or visit a local branch
Want to learn more about investing?
Check
out our Investing Basics section.
Start Over
Now that we understand where you are in the planning process, here are a few basic
recommendations based on your answers.
The key to achieving your long-term planning goals is to ensure you have a strategy
designed to help meet your needs. A Charter One Investment Services Financial Consultant will recommend various
investment products based on your personal financial goals which may include a combination
of :
- Stocks.
Enables you to own an actual percentage (shares) of a company.
- Bonds: A
bond is a debt or loan that a company takes out to raise capital–usually with a
defined term, or maturity date, after which the bond is redeemed.
- Mutual funds:
Mutual funds are professionally managed securities that pools together the money
of many investors and invests the assets into a fund with a set objective.
Or, if you prefer a more hands off approach to investing and you would like to have
someone manage the investment planning process for you, schedule an appointment
about opening a Managed Account. There are many types and options available depending
on your needs. Your Financial Consultant will help to determine the applicable options
for you.
Contact a Financial Consultant
A Charter One Investment Services Financial Consultant can help you make smart investment decisions. To
schedule an appointment:
Call 1-888-411-8711
You can also visit a local branch, or we'll contact
you when you fill out the following quick and easy form:
Want to learn more about investing?
Check
out our Investing Basics section.
Start Over
Now that we understand where you are in the planning process, here are a few basic
recommendations based on your answers.
The key to achieving your long-term planning goals is to ensure you have a strategy
designed to help meet your needs. A Charter One Investment Services Financial Consultant will recommend various
investment products based on your personal financial goals which may include a combination
of :
- Stocks.
Enables you to own an actual percentage (shares) of a company.
- Bonds: A
bond is a debt or loan that a company takes out to raise capital–usually with a
defined term, or maturity date, after which the bond is redeemed.
- Mutual funds:
Mutual funds are professionally managed securities that pools together the money
of many investors and invests the assets into a fund with a set objective.
You may also be interested opening an investments Managed Account -- which offers
more of a hands off approach to investing, as someone will manage the retirement
planning process for you, schedule an appointment to learn more.
Fill out the following quick and easy from and we'll contact you:
Schedule an Appointment
You can also call 1-888-411-8711 or visit a local
branch
Want to learn more about investing?
Check
out our Investing Basics section.
Start Over
Now that we understand where you are in the planning process, here are a few basic
recommendations based on your answers.
Based on your answers, we understand your investing and banking needs may be more
intricate than most.
That's why we would like the opportunity to talk with you about our Charter One Private Bank & Trust
program.
Some of the key benefits of Charter One Private Bank & Trust include:
Investing Guidance
- Create a customized investment strategy to meet your long-term needs.
- Acquire comprehensive Investment Management services and strategies.
- Receive help with other services including estate planning, personal trusts, charitable
planning and more.
Specialized Banking Services
- One-on-one attention and counsel from a dedicated advisor.
- Around the clock private wealth management solutions–anytime, anywhere.
- Highly personalized banking products featuring our best rates.
To learn more about Charter One Private Bank & Trust and other products and services,
speak to a Client Advisor. They can help you make smart investment decisions for
your future-24 hours a day. To schedule an appointment:
Fill out the following quick and easy from and we'll contact you:
Schedule an Appointment
You can also call 1-888-411-8711 or visit a local
branch
Want to learn more about investing? Check out our
Investing Basics section.
Start Over
Did You Know?
- Only 1 out of every 10 Americans today is
financially prepared to retire when they reach the age of 65. (Source: U.S.
Census Bureau, www.census.gov)
- Social Security benefits will replace only
16% of the income of married couples earning $50,000 to $100,000 and only 9.5% of
the income of married couples earning $100,000-plus. (Source: Office of Research
and Economic Analysis, Pension and Welfare Administration. www.dol.gov/ebsa/)
- The average retirement age in America is
62, which has gradually decreased for nearly 100 years. The average length of retirement
is 18 years, which has gradually increased for nearly 100 years. (Source:
U.S. Census Bureau, www.census.gov)
- The typical bachelor’s degree recipient can
expect to earn 66% more than a high-school graduate during a 40-year working life.
(Source:Collegeboard.com, Education Pays, The Benefits of Higher Education
for Individuals and Society)
- 47% of all undergraduate college students
attend a four-year college that has published charges of more than $9,000 per year
for tuition and fees, and the costs seem to rise each year. (Source: collegeboard.com,
What it costs to go to college)
- Students pay an average of $900 per year
on textbooks for college. (Source: The Scranton Times Tribune, Time to play
buy the book)
- Two out of three households in America—an estimated
65 million households—will probably fail to realize one or more of their major life
goals because they haven’t developed a comprehensive financial plan. (Source:
The Facts on Saving and Investing, pdf file, www.sec.gov)
- From 1959 to 1995, Americans placed an average
of 7.5% of their income into some sort of personal savings acount. From 1995 to
2010, the average has dropped to 3.4%. (Source: U.S. Department of Commerce
statistics, www.commerce.gov)
- 48% of workers have no stocks or stock mutual
funds, either inside or outside of a workplace retirement savings plan. (Source:
Employee Benefit Research Institute, www.ebri.org)
Consider your insurance protection needs
Statistics show that more than 50% of Americans ages 65 and older will eventually
need some type of long-term care insurance services. Consider speaking with a Charter One
Financial Consultant about our
insurance solutions. ( Source: P. Kemper, H.L. Komisar and L. Alecxih,
Long-Term Care Over an Uncertain Future: What Can Retirees Expect?, 2005/2006)
According to Health Affairs journal, unexpected illnesses and injuries cause more
than 350,000 personal bankruptcies each year. Protect your family and your investments,
in the event of death or disability. Consider speaking with a Charter One Financial
Consultant about our insurance
solutions. ( Source: Health Affairs, the Policy Journal of the
Health Sphere, 2 February 2005)
According to Health Affairs journal, unexpected illnesses and injuries cause more
than 350,000 personal bankruptcies each year. Protect your family and your investments,
in the event of death or disability. Consider speaking with a Charter One Financial
Consultant about our insurance
solutions. ( Source: Health Affairs, the Policy Journal of the
Health Sphere, 2 February 2005)
Results may vary with each use and over time.
IMPORTANT – The projections or other information generated by the “Help Guide Me” tool regarding the likelihood of various outcomes are hypothetical in nature, do not reflect actual results and are not guarantees of future results.
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