Flashhead
Cost

Pam

Pam begins saving $2000 per year at age 25, saves for 10 years, and then stops completely at age 35.

Michael

Michael delays saving until he turns 35 and then begins saving $2000 per year for 30 years until age 65.

Karen

Karen begins saving $2000 per year at age 25 and saves for 40 years until age 65.

*Assumes a seven percent rate of return and tax-deferred compounding.

UPAL was founded in 1985 by five professionals who envisioned a cooperative group of professionals that would collectively develop programs and services to reduce personal costs and business overhead through group leverage.

Today, the Association has nearly 650 member professionals in 18 states and offers more than 30 programs to its members. These programs and services range from financial services to office equipment and from payroll services to electronic data interchange vendors and make up the UPAL Member Advantage.

As a member of UPAL, you have the Advantage of participating in the UPAL Retirement Program and the many other programs and services listed in this web site. Please review this information to find out how the UPAL Member Advantage can benefit you, your employees and family.

We believe our first responsibility is to our clients who use our products and services. To meet their needs, everything we do must be of high quality. Our level of service must be personal and unmatched. We must constantly strive to reduce our costs in order to maintain reasonable prices. Our service providers must have an opportunity to make a fair profit.

We are responsible to our employees. We respect their dignity and recognize their merit and contributions to the success of our organization.

Our final responsibility is to our owners. We must operate in an ethical and fiscally responsible manner. We must observe the privacy of personal information we receive. We must experiment with new ideas. We must create new products and develop new services. Reserves must be created for adverse times.