TEG Scholarships Available

Roll of money with a graduation cap on.

The scholarship is named in honor of Joyce A. Betros, one of the founding members of the TEG Board of Directors and its scholarship program. Ms. Betros, a dedicated educator, spent 37 years as a teacher in the Wappingers Central School District. She retired from the TEG Board [...]

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Beware – Buy Smart When It Comes to Facebook Ads

Scam Alert

We have recently seen an uptake of debit card scams regarding items purchased through Facebook ads. While a few real companies do advertise, don’t trust everything you see on Facebook. If you are interested, it is always a good idea to practice your due-diligence research before making a [...]

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Timing Your Car Shopping

Couple driving

The year is getting nearer to the end. With such finality in view, how do we pass the time? How do we shift our thoughts to distract ourselves from another year gone by? A new car! Below you’ll find the best times to go car shopping to help [...]

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TEG Retirement & Advisory Services – Light at the End of the Brexit Tunnel

Light at the end of the Brexit Tunnel

The debate over the United Kingdom’s (U.K.) withdrawal from the European Union (EU), or Brexit, is reaching another milepost in what could be an action-packed week. Talks between the U.K. government and the EU have entered “tunnel” negotiation mode, in which all details of behind closed doors talks [...]

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TEG Retirement & Advisory Services – Essential Tax Tips for IRAs

Essential Tax Tips

Woe to the taxpayer who runs afoul of the numerous and confusing IRA rules. There are forms to file, contributions to make, distributions to take, and penalties to avoid. While corrections are possible, it’s best to avoid mistakes in the first place. Here’s what you need to know. [...]

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TEGFCU Retirement & Advisory Services- Can The Economy Predict The Next President?

Economy predicting president

“The economy, stupid” — Phrase campaign strategist James Carville used to help Bill Clinton get elected in 1992. As Carville noted ahead of the 1992 election, the recession in 1990 and 1991 was top of mind for many voters as they headed to the polls to vote for [...]

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TEG Retirement & Advisory Services – The Sandwich Generation: Juggling Family Responsibilities

The Sandwhich Generation: Juggling Family Responsibilities

At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses while at the same time looking after the needs of your aging parents. [...]

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TEG Retirement & Advisory Services – 10 Terms Every Investor Should Know

10 Terms Every Investor Should Know

If you're new to investing, you may encounter some unfamiliar jargon. Understanding the following terms may help you become a more confident investor. Portfolio An investment portfolio is a collection of investments owned by an individual or an institution. Typically, a portfolio comprises a mix of asset classes [...]

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TEG Retirement & Advisory Services – Cracking the Nest Egg: When Accumulation Becomes Distribution

Cracking the Nest Egg: When Accumulation Becomes Distribution

It’s a big transition when you leave the workforce to live off your savings, requiring an attitude adjustment in both you and your advisor. Here are the issues to consider when time, compounding, and conventional investment principles no longer work in your favor. Retirement planning is easy during [...]

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TEG Retirement & Advisory Services – Plan Ahead for the Holiday Budget Crunch

Plan ahead for the holiday budget crunch

Every year, millions of Americans celebrate the holidays with traditions such as throwing parties and buying gifts for family and friends. Unfortunately, many also participate in a tradition that lands them in debt -- spending more than they can afford. This year, break the buy-now, worry-later habit by [...]

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TEG Retirement & Advisory Services – Five Strategies for Tax-Efficient Investing

Five strategies for tax efficient investing

As just about every investor knows, it's not what your investments earn, but what they earn after taxes that counts. After factoring in federal income and capital gains taxes, the alternative minimum tax, and any applicable state and local taxes, your investments' returns in any given year may [...]

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TEG Retirement & Advisory Services – Is a Trade Deal Still Possible?


We’re a week into August, and trade tensions have been the biggest driver of U.S. stocks, as we predicted in our latest Weekly Market Commentary. Markets don’t like uncertainty, and we are getting a heavy dose of it now. On August 5, the S&P 500 Index notched its worst [...]

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TEG Retirement & Advisory Services – U.S. Yields and a Rate Cut


It could be a momentous week for U.S. monetary policy and the Treasury yield curve. The Federal Reserve (Fed) is expected to cut its policy interest rate for the first time in 10 years July 31. As shown in the LPL Chart of the Day, Investors Brace for [...]

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TEG Retirement & Advisory Services – Five Things to Do Before Meeting With an Advisor

5 things to do before meeting with an advisor

Americans' financial lives are increasingly complex. It's not unusual to have checking and savings accounts, a 401(k), IRAs, and other personal investments. Keeping track of all your savings and investments has prompted many individuals to seek guidance. If you are part of this growing majority, you may have [...]

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TEG Retirement & Advisory Services – Smart Financial Moves in Your 40s and 50s

smart financial moves in your 40's and 50's

These crucial years call for action. Today, retirement may seem nearer to you than it once did. The following moves might be worth making—and soon. Catch-up contributions to your retirement accounts. Starting in the year you turn 50, you may make a total of $1,000 in catch-up contributions [...]

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TEG Retirement & Advisory Services – Staying on Track with Your Retirement Investments

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and practicing. Investing for your retirement over the long [...]

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New Branch Block Party

Cupcake and Confetti

You're invited! Join us at our Crystal Run Branch on Thurs, April 25 from 4 - 6:30 pm  Have you heard the good news? TEG has opened the doors of our brand new branch located at 140 Crystal Run Road, Middletown, NY 10941. That’s right across from the [...]

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Free Shred Event

Box of shredded paper

Shred your unwanted papers at the Route 9 Branch on Saturday, April 20 from 9 AM - 12 PM Safeguard against identity theft and fraud by shredding your important documents that you no longer need. Date: Saturday, April 20, 2019 Location: Route 9 Branch 1145 Route 9 Wappingers Falls, NY [...]

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TEG to Award Three $1,000 Scholarships

College Girl

Students have a chance to win a $1,000 scholarship from TEG to help with their college education expenses. The TEG Joyce A. Betros Scholarship will be awarded to three high school seniors who have demonstrated high academic excellence and community service throughout their high school careers. The scholarships [...]

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Health Insurance for College Students

Mother and Son

Author Kimberly Lankford Young adults can stay on the family health policy until age 26. But if they go away to college and are outside the insurer's network of doctors, families need to reconsider their insurance options. Q: My son is about to graduate from high school and will [...]

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