About Us

Since 1883, Modern Woodmen of America has brought people together, supported families and strengthened communities.

About Us
Modern Woodmen of America, Rock Island, IL

Looking for a meaningful career?

Grow with Modern Woodmen! As a financial representative, you can make a positive impact for your family and your community.

Financial Planning

We can help you meet your current needs, achieve your future dreams and plan for all stages of life.

Planning for Life
Stories of strength from our history
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Persevering Through Uncertain Times

Our Products

Modern Woodmen maintains a portfolio of high-quality financial products that can help you meet a wide range of life needs.

Our Products
Don't know where to start?
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Financial planning

Browse our helpful tips and articles to understand what’s important to you and your loved ones.

My Membership

When you join Modern Woodmen, you become a member of the organization. You trust us with your financial needs. And you have the opportunity to access fraternal member programs and impact your community.

My Membership
Member Website
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Member Website Overview

Make a payment, update your address, and access account information, online forms and fraternal programs from the member website.

​What are Required Minimum Distributions?

Keep your hard-earned dollars working for you.  

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Retirement distribution
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Retirement distribution

In discussions involving retirement, you may have come across the phrase "required minimum distributions" or "RMDs." But what are they?

The IRS requires you to start taking money from certain types of retirement plans once you reach a specified age. You must receive these withdrawals ... whether you need the money or not.

Starting in 2023, the age at which retirement account owners must begin taking RMDs increased from 72 to 73. (If you turned 72 in 2022 or earlier, you must continue to take your RMDs as scheduled.)

What can I do with my distribution?

Realistically, you have two options when you receive a required minimum distribution. You can spend the money. It’s yours, of course. Or you can keep your hard-earned dollars working for you. For example, you can use your RMDs to fund:

  • Life insurance.
  • Annuities.
  • Mutual funds.

Confused about how much to withdraw or what to do?

Figuring out the correct required minimum distribution to take can be daunting, and doing so incorrectly could cost you money. You’ll incur a 25% IRS penalty on any amount of the RMD you fail to take.

One solution? Consolidate your retirement accounts with Modern Woodmen. Your Modern Woodmen representative will walk you through the steps to combine your retirement accounts. That can mean:

  • Fewer financial statements to review.
  • Fewer 1099 income tax forms to handle.
  • Less worry about incurring an IRS penalty.

Call a Modern Woodmen representative today to find out more!

Your financial representative

Meet a Modern Woodmen representative in your community and begin to explore how shared values can work for you.

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Need help finding a representative?

If you’re unable to find a Modern Woodmen representative in your community, we’d like to help.

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Cameron Cameron
Phone: 000-000-0000
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Additional products and services

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401(k) plans

401(k) plans

A 401(k) plan is an employer-sponsored retirement plan that offers several income tax benefits for those looking to save for retirement.