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?

Once you reach age 72, the IRS requires you to start taking money from certain types of retirement plans. You must receive these withdrawals ... whether you need the money or not.

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?

Taking the correct required minimum distribution can be daunting and confusing. If you fail to take the correct distribution, you will incur a 50 percent 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.

Plus Modern Woodmen will calculate your required minimum distribution for you each year. If the total value of your withdrawals during the tax year is less than your required minimum distribution, Modern Woodmen will automatically send the difference to you at the end of the year. With Modern Woodmen’s help, you won’t have to worry about the 50 percent 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

Talk to a representative to see what's best for you.

​Brokerage accounts

​Brokerage accounts

Brokerage accounts allow you to invest in a wider array of securities products, including: Mutual funds, Stocks, Bonds, Exchange traded funds.