Just as your lifestyle and goals are unique, so are your financial needs. But there is one need that everyone has in common—a financial roadmap.
Whether you’re just beginning a family, paying for a child’s education, or nearing retirement, VyStar’s Investment Services LPL Financial Advisors are ready to help you map out a plan and make choices that will get you where you need to go. We offer individualized services and are experienced in working directly with credit union members.
At no cost or obligation, you can benefit from a financial analysis and services that will help you develop a plan for all of life’s big journeys.
Financial Management Services
Plan
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- Build a long-term strategy toward financial security
- Consider all aspects of life’s stages, including your first home, saving for children’s college expenses, retirement planning and overall wealth management
- Access the experience of a professional retirement coach
- Stay current with changes in investment opportunities—and what is right for you
- Strive to ensure you won’t outlive your income
- Ensure your estate documents are in place and kept current (Will, Power of Attorney, Living Will/Health Surrogate, Living Trust)
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Fund
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- Contribute through Traditional IRAs, Roth IRAs and other investment options
- Explore options and arrange funding for education expenses
- Set aside funds for short-term needs and emergencies
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Grow
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- Invest in a variety of securities to provide a greater opportunity for potential growth
- Create a balanced and diversified portfolio of investments
- Set realistic expectations for performance based on timeframes and risk tolerance
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Protect
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- Monitor your plan regularly and make adjustments as necessary
- Purchase life insurance to help your family manage risk
- Arrange for long-term care insurance to assist you later in life
- Ensure lifetime income streams are secure
- Plan for an efficient distribution of your estate at death
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Investment Products and Services & Insurance
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Description |
IRAs
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An individual retirement arrangement (IRA) offers tax benefits for the purpose of saving toward retirement. Even if you are investing through a retirement plan at work, you should consider investing through an IRA. Various types are available, depending on your income and specific needs. |
Mutual Funds
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A mutual fund pools the money of many investors to purchase securities. The fund’s manager buys securities to pursue a stated investment strategy. By investing in the fund, you’ll own a piece of the total portfolio of securities, which could be anywhere from a few dozen to hundreds of stocks. This provides you with a convenient way to obtain instant diversification that would be harder to achieve on your own.
More about Mutual Funds
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Fixed and Variable Annuities
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An annuity is a contract between you (the purchaser or owner) and an insurance company. n its simplest form, you pay money to an annuity issuer, and the issuer then pays an income stream back to you or to a named beneficiary. Annuities are generally used to provide income in retirement.
More about Annuities |
Securities Trading
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A security is a type of investment that may represent ownership in a company (stock) or represent a creditor relationship (bond). Securities have financial value and are negotiable. Depending on your personal long-term financial plan, it may be appropriate to consider a variety of securities as part of your portfolio. |
Asset Allocation
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This is an investment strategy that attempts to manage risk by diversifying investments among asset classes according to key factors, including an investor’s goals, risk tolerance and investment timeframe. This strategy seeks to reduce volatility in a portfolio of investments by investing in assets that are not necessarily closely correlated. Asset allocation does not ensure a profit or protect against a loss. |
Insurance
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A variety of life insurance options are available to help take care of your family, depending on your individual needs. In addition, our Financial Advisors are available to speak with you about your long-term care needs to help ensure you have the financial assistance you may need for your personal care down the road. |
Contact a VyStar Investment Services Financial Advisor today by phone (904) 908-2495 or email VISMarketing@vystarcu.org.
Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.
Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. VyStar Credit Union and VyStar Investment Services are not registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured VyStar Credit Union deposits and are not NCUA insured. These products are not obligations of VyStar Credit Union and are not endorsed, recommended or guaranteed by VyStar Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. This site is designed for U.S. residents only. The services offered within this site are available through our U.S. Investment Representatives. LPL Financial’s U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all investments and services mentioned are available in every state.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly. The information provided is not intended to be a substitute for specific individualized tax planning or legal advice. We suggest that you consult with a qualified tax or legal advisor. LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.