Early planning combined with prudent savings and investment strategies can have a significant impact on your lifestyle. To assist members with this very important process, experts are available on Saturdays to provide in-depth explanations on banking, housing, pension, and legal information. The 12-hour Pre-Retirement Planning Seminars offered in March and October are highly recommended for the new members. If you're ready to begin the home-buying process, this four-hour Home Ownership Seminar offered in January and May is for you.