Transform your financial habits to prepare for the future

Your 50s are a good time to take stock of the asset allocation of your portfolio and evaluate your position relative to your retirement plans. For an accurate estimate, consider at what age you would like to retire and the lifestyle you plan to have... will you travel, have a vacation home, take up an expensive hobby? Project a budget, keeping in mind that some costs, such as health insurance, may increase and others, like your mortgage payment, may disappear.

Once you have estimated your living expenses, then estimate how much your assets will be worth at retirement, and how long they are likely to last. You can do this with KS Bank, Inc.'s retirement calculator. Also estimate your Social Security income. With all this information at hand, you may want to increase your retirement contributions.

1. Take advantage of our interest-bearing checking account for our customers 50 years old and above

2. Conserve time, money, and paper with KS Bank's convenient Checking Accounts with free online banking & bill pay

Start online banking and bill pay when you open your KS Bank Checking account.  You'll reduce the time it takes to pay your bills and save on the expense of printed paper checks and postage while helping the environment as well.

Free KS Bank ATM services and no charge cash withdrawals at all CashPoints ATMs for KS Bank customers.

Premier Checking

Classic Checking   


3. Plan and budget for upcoming vacations and for Christmas expenditures

4. Catch up on your IRA or other retirement plan

After age 50, you are qualified to boost your plans with “catch-up” contributions. Contact your local financial counselors for more details.

Individual Retirement Accounts       


5. Establish an estate plan and/or trust (not FDIC Insured)

KS Trust representatives can help you plan for the special needs of your children, aging parents, or the responsibilities of higher education and more. Our financial planning professionals can help you in the areas of trust administration and estate planning to grow your assets, save on taxes and protect and manage your property.

KS Trust       


  • Become aware of opportunities to reduce your lifestyle costs, e.g., downsizing vehicles or your home may provide convenience while lowering the costs and time of maintenance.
  • Determine your financial priorities, make a list with deadlines and start accomplishing them.
  • Start the decision-making process about where you want to live during retirement and figure all the associated costs.
  • Spend time doing what you plan to do at retirement to help yourself determine if you’re ready.

For help determining the best accounts and products for sound and productive money management during your Pre-Retirement Life Stage, please contact us at 1-888-KSBANK or email us at