Investment Services
Financial planning can take many forms. We are committed to helping you understand the wide range of financial products available. We will work closely with you to create a robust and tailored plan that aligns with your specific needs and goals. Let us help you plan your financial future.
Read below about common investment vehicles and insurance products.
Investment Products
Roth and Traditional IRAs are both retirement savings accounts with distinct tax advantages. Traditional IRAs allow you to contribute pre-tax income, potentially lowering your taxable income for the year, while withdrawals in retirement are taxed as income. Roth IRAs, on the other hand, are funded with after-tax dollars, but withdrawals in retirement, including earnings, are tax-free, making them advantageous for those expecting to be in a higher tax bracket in retirement.
Do you have money sitting in a 401(k) from your former employer? You have options for those funds – whether it’s leaving them in the existing plan, moving to a new employer plan, rolling over into an IRA, or take a full cash distribution.
Types of plans we can assist you with:
- Pension
- 401(k)
- 401(k) Roth
- 403(b)
- TSA
- 401(a)
- 457
- PERS
- SERS
- FERS
- SEP
- Simple
- TSP
- Defined Benefit Plan
- Deferred Compensation
Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 may result in a 10% IRS penalty tax in addition to current income tax.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
Mutual funds pool money from multiple investors to invest in a portfolio of stocks, bonds, or other securities overseen by professional fund managers. Investors purchase shares of the mutual fund, which represent ownership in the fund's assets. Mutual funds offer diversification, management, and liquidity, making them popular investment vehicles for individuals seeking to spread risk, and utilize the expertise of professional fund managers.
Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective
Managed accounts are personalized investment portfolios managed by professional portfolio managers or investment advisors on behalf of individual investors. These accounts typically offer a higher level of customization and individual attention compared to mutual funds or exchange-traded funds (ETFs). Managed accounts aim to meet the specific investment goals, risk tolerance, and preferences of each investor while providing ongoing monitoring and adjustments as needed
Annuities are financial products designed to provide a steady income stream during retirement. They are typically purchased through insurance companies and can be structured in various ways, such as immediate or deferred annuities. Annuities offer the potential for guaranteed income for life or a specific period, making them attractive for individuals seeking to supplement their retirement savings with a viable source of income.
Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
Stocks represent ownership in a company and offer investors the potential for capital appreciation and dividends. They are traded on stock exchanges and their value can fluctuate based on market conditions and the performance of the issuing company. Bonds, on the other hand, are debt securities issued by governments or corporations, where investors lend money in exchange for periodic interest payments and the return of the principal amount at maturity, providing a more stable income stream compared to stocks.
Stock investing includes risks, including fluctuating prices and loss of principal.
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.
College savings plans, such as 529 plans, are tax-advantaged accounts designed to help families save for future education expenses. These plans allow contributions to grow tax-free and can be used to cover qualified expenses like tuition, room and board, and textbooks. Additionally, many states offer tax incentives to encourage participation in these plans, making them a popular choice for saving for higher education.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.
Insurance Products
Life insurance is a financial product that provides a payout to beneficiaries in the event of the policyholder's death. It offers peace of mind by helping to replace lost income, pay off a mortgage, cover funeral expenses, and support dependents financially. Life insurance policies come in various forms, each with different features and benefits.
This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice.. Guarantees are based on the claims paying ability of the issuing company.
Securities and advisory services are 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. Mid Oregon Credit Union (MOCU) and Mid Oregon Wealth Management Retirement and Investment Planning (MOWM) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using MOWM, and may also be employees of MOCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, MOCU and MOWM. Securities and insurance offered through LPL or its affiliates are:
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Not Insured by NCUA or Any Other Government Agency |
Not Credit Union Guaranteed |
Not Credit Union Deposits or Obligations |
May Lose Value |
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