Set yourself up for a successful future. Explore high-yield savings options with Ascend to start building your emergency fund at ascend.org/accounts. 

Life doesn't always go according to plan. A job loss, medical emergency, natural disaster, or unexpected family change can happen when we least expect it and at seemingly the worst possible time. While we can't predict the future, we can take steps today to feel more confident about whatever comes next. 

Preparation isn't about expecting the worst. It's about creating peace of mind. By taking small actions now, you can help protect your loved ones and the things you love. 

Establish an Emergency Fund 

One of the most important ways to prepare for the unknown is by building an emergency fund. Unlike everyday savings, which may be used for vacations, holidays, or planned expenses, emergency savings are meant for life's unexpected moments. We recommend saving enough to cover three to six months of essential expenses.  

If you need help getting started on an emergency fund, let technology help you. Look at your budget and identify if you can move a portion of your paycheck each month to your emergency fund. It doesn’t have to be a lot — any amount helps. Then, automate those transfers so you don’t have to remember to do them monthly.  

Having the right account that keeps your money accessible while earning a higher dividend rate can also help while you build your emergency fund. An Ascend High-Yield Money Market account can give you a higher dividend rate than other savings accounts, helping you earn more while your funds are ready to use in case of emergencies. 

Create an Estate Plan 

Another important step is creating an estate plan. Many people assume wills and trusts are only for the wealthy or retirees, but every adult can benefit from having a plan in place.  

A will outlines how you want your assets distributed and can name guardians for minor children. A trust can provide additional control and flexibility over how assets are managed. Having these documents helps ensure your wishes are clear and can reduce stress for loved ones during difficult times.  

This October, Ascend members can save 30% on creating a will or trust through our partner, Trust & Will. Create a will for just $139 or a trust for $349 with the limited-time offer. 

Review Your Beneficiary Information 

As an adult, it's a good idea to review your beneficiaries and important documents regularly. Major life events like marriage, divorce, the birth of a child, or the loss of a loved one are good reminders to review and update your information. Keeping important documents organized and accessible can save valuable time when it's needed most. 

Ensure You’re Insured 

If you haven’t done so in a while or if you’ve had a major life change, you should take some time to review yourinsurance coverage. Life, health, disability, homeowners, and renters’ insurance all play a role in protecting your financial well-being. 

Life’s what-ifs may be unavoidable, but being prepared can make them easier to navigate. By taking a few proactive steps today, you can set yourself up for a successful future. 

Federally insured by NCUA. 

Trust & Will is offering a limited time 30% discount on the initial purchase of estate plans specifically for Ascend Federal Credit Union members. No promo code required; the 30% discount is automatically applied at checkout to the initial purchase of a Will or Trust-based estate plan. Subsequent upgrades aren't eligible for discount. This limited time offer begins on October 1, 2026 at 12am PST and ends on October 31, 2026 at 11:59:59 PST. Offer valid only on an initial purchase of an estate plan, and does not apply to shipping, taxes, Attorney Support or estate settlement offerings.   

Ascend is not a law firm and does not provide legal or tax advice. The information provided by Ascend is for general informational purposes only and should not be construed as professional advice. For guidance specific to your situation, please consult a qualified tax advisor or legal professional.