Investment Products That Can Help Finance Your Future

Some hard-working people can't wait to retire so they can relax with a stack full of good books. Others envision active lifestyles that include extensive travel or opening a small business of their own.

Our LPL Investment Advisor Representatives can help you prepare for your golden years by discussing various savings options, the tax advantages they offer and how they fit in with your employer-provided retirement plans.

Schedule an appointment today to discuss your plans.

 

These days, college isn’t just a dream. It’s practically a requirement for anyone who wants a successful career. And it’s getting more and more expensive. The good news is there are several ways to help your children or grandchildren save so they can enjoy the advantages of higher education. Your LPL Investment Advisor Representative can help you determine the strategy that’s best for you.

  • Take advantage of tax benefits. Some college savings accounts allow your money to grow - and be withdrawn - tax-free.
  • Know how flexible your assets are. Some accounts let you withdraw money for non-tuition purposes in the event of an emergency. Others levy penalties for such non-educational uses.
  • Consider income restrictions and contribution limits. Be aware that certain education savings programs have contribution limits and income restrictions governing who can use the plan.

 

By now, you may have several savings and investment accounts. That's a good start, but it takes more than that to build a solid financial future. We can introduce you to our LPL Investment Advisor Representatives who have the experience and financial tools to help you create a comprehensive plan that will help you pursue your goals. Among the topics they can discuss are:

  • Estate planning strategies
  • Income and expenses
  • Assets and liabilities
  • Stocks and stock options
  • Federal and state taxes

Reap the benefits of first-rate research, performance and client service. Creating the investment strategy is easier with the help of our financial consultants. We'll explain your investment options and help you determine the right mix among IRAs, term certificates, mutual funds and annuities. Our LPL Investment Advisor Representatives can tailor a personalized plan that factors in your asset value, investment style and long-range objectives.

  • Financial consultants can help you Identify your financial needs and objectives
  • Set your short-term and long-term goals
  • Determine a plan to help reduce taxes
  • Understand the benefits of asset allocation
  • Develop a financial plan designed to work toward meeting your goals
  • Position your assets to work toward protecting your estate at death
  • Monitor your strategy and respond to changing lifestyles and market fluctuations

Learn about IRAs and other ways to work toward financial security.

Some hard-working people can't wait to retire so they can relax with a stack full of good books. Others envision active lifestyles that include extensive travel or opening a small business of their own. LPL Investment Advisor Representatives can help you prepare for your golden years by discussing various savings options, the tax advantages they offer and how they fit in with your employer-provided retirement plans.

  • Traditional IRAs
  • Roth IRAs
  • Small Business Simple IRAs
  • Simplified Employee Pension Plans

Mutual Funds are an affordable way to invest money into the markets. Benefit from a diversified portfolio managed by professionals.

Many people feel they should invest in the stock market, but aren't sure how. One approach to consider is to buy into mutual funds, which are pools of assets purchased by multiple investors. The funds usually involve holdings that are related in some way, such as being from the same industry, small companies or socially conscious businesses. Our LPL Investment Advisor Representatives can explain all the benefits and types of funds including:

  • Diversification
  • Professional Management
  • Liquidity

Investing in mutual funds involves risk, including possilbe loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Annuities are investment tools that can provide a guaranteed source of income. It can be an attractive addition to your retirement savings portfolio.

Annuities originate with insurance companies. They are contracts that call for you to pay a sum of money, called a premium, and then receive certain payments in the future in return. There are all sorts of annuities and they are used in a variety of ways, including by company pension plans. Many people make them part of a retirement portfolio because they can offer tax advantages. Our LPL Investment Advisor Representatives can help you decide what is right for you.

  • Immediate Annuities
  • Deferred Annuities
  • Single-Premium Annuities
  • Flexible-Premium Annuities
  • Fixed Annuities
  • Variable Annuities
  • Tax-Deferred Annuities

Annuities are suitable for long-term investing, such as retirement investing. Withdrawls prior to age 59 1/2 may be subject to tax penalties and surrender charges may apply. Variable annuities are subject to market risk and may lose value. Guarantees are based on the claims paying ability of the issuer.

Fixed-income investments are designed to produce a steady stream of income. Financial professionals can help you identify potential tax advantages. Not every investment carries a high degree of risk. Fixed-income tools such as Treasury bills and municipal, government and corporate bonds may offer solid returns. An LPL Investment Advisor Representative can help identify the suitable fixed-income tools for your portfolio.

  • Wide range of products backed by local, state and federal governments and corporations
  • Returns that may exceed rates on savings accounts
  • Interest payments made on regular basis
  • Potential tax advantages depending on the financial tool
  • Get professional advice on which financial instruments are right for your investing strategy

Government bonds and Treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value. The market value of corporate bonds will fluctuate, and if the bond is sold prior to maturity, the investor’s yield may differ from the advertised yield. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The terms “equities” and “stocks” both refer to having partial ownership in a publicly held company. If the company grows, so will the stock price or value. However, a stock can also lose value. American Eagle Financial Services typically sells equities through mutual funds or one of our many advisory accounts. In this way, you are receiving professional management and diversification of your stock portfolio.

  • Investments for those with above average risk tolerance
  • Potential benefits include long-term growth and capital appreciation
  • Investors benefit from professional portfolio management

Stock investing involves risk, including loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Build income through ownership of commercial properties. Diversify your portfolio by pooling resources with other investors. Most individual investors can't afford to buy apartment complexes, hospitals, office buildings, warehouses, hotels or shopping malls on their own. But by teaming up with other investors, you can reap the potential benefits of commercial property ownership.

An LPL Investment Advisor Representative with American Eagle Financial Services can explain the details of Real Estate Investment Trusts and help you decide if they're a good fit for your portfolio.

  • REITs generally include a wide range of properties and tenants
  • Provides diversification through the number of tenants who lease properties; the number of industries represented by the tenants; the varying length of lease terms; and the geographic locations of properties throughout the U.S.
  • Give investors the potential for tax-efficient income 
  • Can offer an alternative from the volatility of the stock market

​Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.

Make sure your family will always be provided for. Life Insurance policies can provide investment income as well as peace of mind.

The main purpose of life insurance, of course, is to ensure the long-term financial stability of your family. In the short term, however, policies can provide several other benefits, ranging from generating investment income to reducing taxes on estates. At American Eagle Financial Services, we're happy to guide you though the many carefully selected insurance products provided through LPL Financial. Some options are:

  • Term Life
  • Permanent Life
  • Whole Life
  • Universal Life
  • Variable Life
  • Irrevocable Life Insurance Trust

 

Creating the investment strategy is easier with the help of our financial consultants. We'll explain your investment options and help you determine the right mix among IRAs, term certificates, mutual funds and annuities. American Eagle Financial Services can connect you with an LPL Investment Advisor Representative who can tailor a personalized plan that factors in your asset value, investment style and long-range objectives.

  • Financial consultants can help you Identify your financial needs and objectives
  • Set your short-term and long-term goals
  • Determine a plan to help reduce taxes
  • Understand the benefits of asset allocation
  • Develop a financial plan designed to work toward meeting your goals
  • Position your assets to work toward protecting your estate at death
  • Monitor your strategy and respond to changing lifestyles and market fluctuations

Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. American Eagle Financial Credit Union and American Eagle Financial Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using American Eagle Financial Services, and may also be employees of American Eagle Financial Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of American Eagle Financial Credit Union or American Eagle Financial Services. The American Eagle Financial Services site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CT, MA, FL, NY, OK, TX and VT.  Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or
Any Other Government Agency
Not Credit Union
Guaranteed
Not Credit Union Deposits
or Obligations
May Lose Value