White paper for credit union leadership
Built Inside: Why Credit Unions Must Lead the Retirement Health Transition
By Justin Valenzuela, Warren Barhorst, and David Hollingsworth. Sixteen pages on the member every credit union is about to lose at 65, and the model that keeps them.
When a credit union is silent at 65, someone else speaks.
What’s inside
Heavily marketed, poorly advised.
More than 11,000 Americans turn 65 every day. Most get their Medicare guidance from a television commercial or a call center, and only one in four feels confident about the decision. What that costs the member, and what it costs the credit union.
Why this is a credit union obligation.
Guidance at 65 belongs beside fraud education and financial counseling. The 65-year-old member holds the deposits, the certificates, and the next generation. Whoever guides them through Medicare is positioned for everything that follows.
Built inside, not sold into.
Eight years of operating a licensed agency inside one of Pennsylvania’s largest credit unions: 300 or more turning-65 appointments a month, roughly 15,000 Medicare members served, and what the data taught us about how members actually decide.
How the model works, and what it costs.
No build, no staff, no technology spend, no core access. A dedicated licensed advisor under your brand. Resilience by design. And an appendix on what partnership looks like from signature to the first member served.
What credit union CEOs are saying
“When our members look back on life’s important milestones, we want them to be able to say, ‘Patriot helped me with that.’ Turning 65 and navigating Medicare is one of those pivotal moments.”
“They should not have to figure it out alone with a stranger from a TV commercial. This program puts real guidance inside their credit union, where it belongs.”
Get the white paper
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Prefer a conversation first? Twenty minutes is enough to know whether this belongs in your credit union. Schedule with Justin.