Service 1st Retirement & Investment Center

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join us! | estate planning seminarWhat do you need in your estate planning toolbox? Join us Thursday, November 12, from ...
10/23/2026

join us! | estate planning seminar

What do you need in your estate planning toolbox? Join us Thursday, November 12, from 6–8 pm at The Links at Hemlock Creek in Bloomsburg for an Estate Planning Seminar hosted by the Service 1st Retirement & Investment Center.

Special guest Marianne Kreisher, Certified Elder Law Attorney, will lead a discussion on wills, trusts, power of attorney and more.

Hearty hors d’oeuvres will be served immediately following the seminar.

RSVP by Thursday, October 29, at https://mbr411.com/bitpu.

For more information, contact Addie Felice, Financial Services Coordinator, at 800.562.6049 ext. 7597.

life insurance | consider your liquid assetsIf you are looking for a more accurate estimate of your life insurance needs...
09/29/2026

life insurance | consider your liquid assets

If you are looking for a more accurate estimate of your life insurance needs, consider completing a “DNA test.” A DNA test, or Detailed Needs Analysis, takes into account a wide range of financial commitments to help better estimate insurance needs.

The first step is to add up your needs and obligations. Next, subtract all current assets available.

Any assets that can be redeemed quickly and for a predictable price are considered liquid. Generally, houses and cars are not considered liquid assets since time may be required to sell them. Also, remember that selling a home may adjust a family’s current standard of living.

Needs and obligations minus liquid assets can help you get a better idea of the amount of life insurance coverage you may need. While this exercise is a good start to understanding your insurance needs, a more detailed review may be necessary to better assess your situation.

The cost and availability of life insurance depend on factors such as age, health, and the amount of insurance purchased.

To learn more, contact Jeffrey H. McKinnon, CFP®, CRC®, CRC conferred by InFRE® or Matt Defalco, Financial Advisors at the Service 1st Retirement & Investment Center at 800.562.6049 Ext. 7597 or visit Retirement & Investment Center | Service 1st.

life insurance | consider new obligationsDetermining how much life insurance you may need involves considering your curr...
09/24/2026

life insurance | consider new obligations

Determining how much life insurance you may need involves considering your current financial commitments as well as potential new obligations.

What additional expenses may arise in the future? What family considerations will need to be addressed, especially if there are young children? Will aging parents need some kind of support? How about college costs?

Factoring in potential new obligations allows for a more accurate picture of ongoing financial needs.

The cost and availability of life insurance depend on factors such as age, health, and the amount of insurance purchased.

To learn more, contact Jeffrey H. McKinnon, CFP®, CRC®, CRC conferred by InFRE® or Matt Defalco, Financial Advisors at the Service 1st Retirement & Investment Center at 800.562.6049 Ext. 7597 or visit Retirement & Investment Center | Service 1st.

life insurance | consider your long-term needsDetermining how much life insurance you may need involves considering a wi...
09/22/2026

life insurance | consider your long-term needs

Determining how much life insurance you may need involves considering a wide range of financial commitments, including your family’s long-term needs.

How much will it cost to maintain your family’s standard of living? How much is spent on necessities, like housing, food, and clothing? Also, consider factoring in expenses, such as travel and entertainment.

Ask yourself, “What would it cost per year to maintain this current lifestyle?”

The cost and availability of life insurance depend on factors such as age, health, and the amount of insurance purchased.

To learn more, contact Jeffrey H. McKinnon, CFP®, CRC®, CRC conferred by InFRE® or Matt Defalco, Financial Advisors at the Service 1st Retirement & Investment Center at 800.562.6049 Ext. 7597 or visit Retirement & Investment Center | Service 1st.

life insurance | consider your short-term needsDetermining how much life insurance you may need begins with adding up yo...
09/18/2026

life insurance | consider your short-term needs

Determining how much life insurance you may need begins with adding up your needs and obligations. A “DNA test,” or Detailed Needs Analysis, takes into account a wide range of financial commitments to help better estimate insurance needs.

Which funds will need to be available for final expenses? These may include the costs of a funeral, final medical bills, and any outstanding debts, such as credit cards or personal loans. How much to make available for short-term needs will depend on your individual situation.

The cost and availability of life insurance depend on factors such as age, health, and the amount of insurance purchased.

To learn more, contact Jeffrey H. McKinnon, CFP®, CRC®, CRC conferred by InFRE® or Matt Defalco, Financial Advisors at the Service 1st Retirement & Investment Center at 800.562.6049 Ext. 7597 or visit Retirement & Investment Center | Service 1st.

life insurance | a general rule of thumbOne widely followed rule of thumb for estimating a person’s insurance needs is b...
09/15/2026

life insurance | a general rule of thumb

One widely followed rule of thumb for estimating a person’s insurance needs is based on income. One broad guide suggests a person may need a life insurance policy valued at five times their annual income. Others recommend up to ten times one’s annual income.

If you are looking for a more accurate estimate, consider completing a “DNA test.” A DNA test, or Detailed Needs Analysis, takes into account a wide range of financial commitments to help better estimate insurance needs.

The cost and availability of life insurance depend on factors such as age, health, and the amount of insurance purchased.

To learn more, contact Jeffrey H. McKinnon, CFP®, CRC®, CRC conferred by InFRE® or Matt Defalco, Financial Advisors at the Service 1st Retirement & Investment Center at 800.562.6049 Ext. 7597 or visit Retirement & Investment Center | Service 1st.

life insurance | assessing your needsIf your family relies on your income, it’s critical to consider having enough life ...
09/11/2026

life insurance | assessing your needs

If your family relies on your income, it’s critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an overlooked aspect of personal finances.

In fact, according to a 2025 study conducted by Life Happens and LIMRA, which closely tracks life insurance trends, nearly 50 percent of Americans report having no life insurance coverage at all, and 40 percent say they don’t have enough life insurance coverage.

Realizing the role life insurance can play in your family’s finances is an important first step. A critical second step is determining how much life insurance you may need.1

The cost and availability of life insurance depend on factors such as age, health, and the amount of insurance purchased.

To learn more, contact Jeffrey H. McKinnon, CFP®, CRC®, CRC conferred by InFRE® or Matt Defalco, Financial Advisors at the Service 1st Retirement & Investment Center at 800.562.6049 Ext. 7597 or visit Retirement & Investment Center | Service 1st.

1. LIMRA.com, 2025

09/11/2026

we remember | september 11

Today, we remember the lives lost on September 11, 2001, and honor the courage of the first responders, service members and everyday individuals who stepped forward to help others. We also reflect on the strength and unity shown by communities across our nation in the days that followed.

coverage! | life insurance awareness monthFor value, you need different insurance at different ages and life stages. A f...
09/02/2026

coverage! | life insurance awareness month

For value, you need different insurance at different ages and life stages. A financial professional can help you align insurance with your financial strategy.

Learn more about your life insurance options, today. Contact the Service 1st Retirement & Investment Center by calling 570-271-7597 or visiting www.service1.org.

prioritize your next dollar | pay off low interest debtAnd we’ve made it to our last goal – Pay off low interest debt! E...
08/06/2026

prioritize your next dollar | pay off low interest debt

And we’ve made it to our last goal – Pay off low interest debt! Even low interest debt like a low-cost mortage or home equity loan can be a burden when you are older and not working. By periodically making extra payments, you could pay off those loans much faster than you thought. You might be surprised at how satisfying it is to work on becoming debt-free. Gaining control of your finances gives you and your family the opportunity to realize many more of your dreams for the future.

To learn more, contact Jeffrey H. McKinnon, CFP®, CRC®* or Matt Defalco, Financial Advisors at the Service 1st Retirement & Investment Center at 800.562.6049 Ext. 7597 or visit Retirement & Investment Center | Service 1st.

Address

861 Bloom Road
Danville, PA
17821

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 4pm
Wednesday 8:30am - 4pm
Thursday 8:30am - 4pm
Friday 8:30am - 6pm

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