Financial Planning

Whether you are a first-time investor or an experienced pro, you will be able to find the information, products and help you need through the MEMBERS Financial Services Program at Premier Members CU.

Investment Strategies

Invest where you belong.

IRAs

Americans have over $4.2 trillion invested in Individual Retirement Accounts – almost half of all retirement assets.* An IRA is an investment account that belongs to you, to which you contribute. It can consist of stocks, mutual funds, bonds, annuities, certificates or other investment products. Gains grow tax deferred until they’re distributed. In some cases, they’re not taxed at all. Explore the features of both a Roth and Traditional IRA to see if an IRA is right for you. There is also an IRA calculator available to help you determine which type of IRA contribution is appropriate for you given your personal financial information, rate of return and years until retirement.

Get Started on Your IRA

Mutual Funds

With Mutual funds investors pool their money into a diversified, managed portfolio of securities. This gives ordinary Americans access to professional fund managers. These mutual fund managers decide the best time to buy and sell providing you the expertise of investment professionals. Funds are aggressive, conservative and places in between.*

*Before investing in a mutual fund, carefully consider its investment objectives, risks, fees, and expenses, which are included in the prospectus available from the fund. Read it carefully before investing.

See If Mutual Funds Are Right For You

Managed Accounts

Managed accounts are portfolios designed for individuals to match their specific financial needs with portfolio objectives, and managed by professional investment managers. Often these accounts offer an avenue for individuals to access investment managers that are generally available only to institutional-level investors.

Determine Whether Managed Accounts Fit Your Needs

Stocks and Bonds

Stocks and bonds can range from conservative to ultra aggressive.

When you invest in individual stocks, you become a part owner of the business, with all the ups and downs. You can vote at shareholder meetings and receive profits allocated to owners. You may get very high returns, but you may also lose money.

Find Out More About Stocks and Bonds


Insurance Products

Protection for what matters most.

You’ve worked hard to build the life you’ve wanted. Insurance can protect you and those you love from an unexpected death, illness and even from living longer than expected. By protecting yourself with life and long-term care insurance, and with an annuity, you can help yourself find peace of mind in knowing you’ve done the right thing.

Life Insurance

People buy life insurance to protect those left behind in the wake of an untimely death. Whether it’s to assure that a son or daughter goes to college or to assure the comfort and safety of a spouse, life insurance is essential to assure that your dreams become a reality – whether you’re here or not.

Find Out If Term Insurance Is Right For You

Long-Term Care

Your golden years could be very expensive or very well thought out.

The day may come when you need long-term care. It can be very expensive and Medicare doesn’t usually supplement that cost. Without a way to pay for the expenses associated with long-term care, your savings could be at risk as well as the financial security you planned on leaving your family.

Learn More About Long-Term Care


Financial Solutions / Investment Solutions / Annuities

Annuities are contracts with an insurance company that can help protect you against the risk of outliving your assets. Annuities provide future income in return for your contributions.

Annuities

You make payments and accrue interest and income over time. A “deferred annuity” allows you to accumulate funds tax-deferred and then establish a payout stream at a later date. An “immediate annuity” can provide a payout beginning immediately after an initial premium payment. Annuities offer an array of choices both during the deferral and payout periods to suit your needs and investment style.

Learn More About Annuities

The MEMBERS Financial Services Financial Advisor, located at Premier Members Credit Union can explain your investment and retirement options. Some of these options include mutual funds, variable annuities, life insurance, long-term care insurance, and brokerage.

Call Doug Jones at our Boulder Branch directly at 303.657.7594 or Matthew Paolucci at our 120th Branch in Westminster directly at 303.657.7167 to set up a no-cost, no-obligation appointment at our Arapahoe Branch location in Boulder.

Check the background of this investment professional on FINRA’s BrokerCheck.

FR-2086518.1-0418-0524


MEMBERS Financial Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members.

Not NCUA/NCUSIF/FDIC insured, May Lose Value, No financial institution guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.