If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


May is Older American Month: Financial Steps to Ensure You Retire Successfully

May is a time of renewal and warm spring breezes. It’s also a month dedicated to celebrating our older Americans who have laid the foundation for the communities we cherish. As we honor them and their contributions, it’s essential to consider the financial steps necessary to ensure a comfortable and secure retirement. Whether you’re nearing retirement age or planning ahead, taking the right financial steps can make a world of difference in your golden years.


It's never too late or early to begin planning for retirement.

For more retirement financial resources visit consumercredit.com.

Understanding Your Retirement Needs

The first step in planning for a successful retirement is understanding your financial needs. This involves assessing your current expenses and predicting future ones. Start by creating a comprehensive budget that includes housing, healthcare, food, transportation, and leisure activities. Consider inflation and how it might affect your expenses over time. Remember, it’s better to overestimate and have extra funds than to underestimate and fall short.


Building a Robust Savings Plan

Once you have a clear picture of your financial needs, the next step is to establish a robust savings plan. If you haven’t already, open a retirement savings account such as a 401(k), IRA, or Roth IRA. These accounts offer tax advantages that can help your savings grow more efficiently. Aim to contribute the maximum amount allowed each year and take advantage of any employer matching contributions if available.


Maximizing Social Security Benefits

Social Security is a crucial component of most retirement plans. Understanding how to maximize your benefits can significantly impact your financial stability in retirement. You can start receiving Social Security benefits as early as age 62, but the longer you wait (up to age 70), the larger your monthly benefit will be. Delaying benefits can result in a significant increase in your monthly income, so consider your options carefully.


Managing Debt Wisely

Carrying debt into retirement can be a significant burden. Strive to pay off high-interest debts, such as credit card balances, before you retire. If you have a mortgage, consider whether it makes sense to pay it off early or to continue making payments. Reducing or eliminating debt can free up more of your retirement income for other essential expenses and provide peace of mind. Consider contacting a non-profit organization American Consumer Credit Counseling (ACCC) for debt help.


Healthcare and Long-Term Care Planning

Healthcare is one of the most significant expenses in retirement. As you age, the likelihood of needing medical and long-term care increases. Enroll in Medicare as soon as you are eligible and consider additional coverage options like Medigap or Medicare Advantage plans to cover out-of-pocket costs. You might also wise to look into long-term care insurance, which can help cover the cost of services like nursing homes, assisted living, and in-home care.


Staying Informed and Flexible

Retirement planning  requires ongoing attention and adjustments as your circumstances change. Stay informed about changes in tax laws, Social Security regulations, and investment opportunities. Regularly review your retirement plan and make adjustments as needed to stay on track with your goals. You also need to keep track of your budget, adjusting it when necessary. If you need more assistance Financial advisors specialize in helping individuals create and implement retirement plans tailored to their unique needs and goals.


Embracing a Hopeful Future

As we celebrate Older American Month this May, let’s take the time to honor the achievements and wisdom of our senior community. By taking proactive financial steps today, you can ensure a secure and enjoyable retirement for yourself or your loved ones. Remember, it’s never too early or too late to start planning for your future. With careful planning, informed decisions, and a hopeful outlook, you can look forward to a retirement filled with peace, security, and joy.


If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/may-is-older-american-month-financial-steps-to-ensure-you-retire-successfully
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=may-is-older-american-month-financial-steps-to-ensure-you-retire-successfully
Loaded Template: single.php