APCO Investment Services

• Planning assistance, whether you’re just getting started, ready to retire or retired now
• Retirement plan rollovers
• Individual Retirement Accounts (IRAs)
  • Roth IRAs
  • Spousal IRAs
  • Rollover IRAs
• Business retirement accounts
  • 401(k) plans
  • Simplified Employee Pensions (SEPs)
  • Savings Incentive Match Plan for Employees (SIMPLEs)
  • Tax-Sheltered Annuities (TSAs) and 403(b) plans
  • Non-qualified deferred compensation plans
  • Non-qualified accumulation plans

• Setting goals
• Creating a savings and investment plan
• Protecting your financial security
• Building your net worth
• Managing wealth
• Creating an income from your assets

• Life Insurance
• Long-Term Care Insurance
• Disability Income

• Planning assistance
• Education savings accounts
  • 529 savings plans
  • Coverdell education savings accounts
  • Roth IRAs

• Financial plans that provide comprehensive analysis and planning for financial goals, retirement and estate transfer
• Personal trust services**
  • Trusts created under wills
  • Living trusts
  • Retirement plan trusts
• Legacy planning**
  • Charitable giving strategies
  • Employee stock options

** Representative is neither a tax advisor nor attorney. For information regarding your specific tax situation, please consult a tax professional. For legal questions, including information about estate planning, please consult your attorney.

Investment Services Upcoming Webinars

Income For Life

Tuesday, March 28th at 5:00 PM Central/6:00 PM Eastern

You have retirement goals and plans for your future. Without a regular paycheck to count on, achieving a steady stream of retirement income will be an important part of the road ahead. Will Social Security be enough? What about your 401(k)?

Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation.

You’ll find out more about how to use annuities to help create a guaranteed income for life, including social security and your 401(k). You’ll learn the answers to your income for life questions, including:

• What sources of retirement income will you rely on?
• What retirement risks do you face now that you’re drawing on their savings?
• Which income strategies should you consider?
• How can you use annuities to guarantee income for life?

Reserve your virtual seat for March 28th. (Link to Zoom registration)

Social Security and Your Retirement

Tuesday, April 11th at 5:00 PM Central/6:00 PM Eastern

Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. But do you know the rules of the road when it comes to Social Security?

Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation:

• What are the rules for starting your Social Security benefits?
• How do spouses coordinate their benefits?
• Are there different routes to take that could potentially increase your benefits?
• How do you decide where Social Security fits within your retirement plans?

Reserve your virtual seat for April 11th. (Link to Zoom registration)

Women and Investing

Tuesday, April 25th at 5:00 PM Central/6:00 PM Eastern

There’s no denying the facts: Women tend to earn less than men and live longer than men. If you’re a woman who would like to retire one day, you may need to save more and invest more than men.

Do you want to become a successful lifelong investor? You can start now, by attending this valuable educational seminar on this important topic, at no cost and no obligation.

The seminar will focus on the importance of taking control of your own future through investing. You’ll also learn about:

• Key investment principles every woman should know
• Important opportunities like asset allocation
• Understanding investor behavior
• Differences between financial products like mutual funds and annuities

Reserve your virtual seat for April 25th. (Link to Zoom registration)

Three Transitions to Retirement

Tuesday, May 9th at 5:00 PM Central/6:00 PM Eastern

Are you ready to retire? You might be prepared for the financial transition, but you’ll experience lifestyle and emotional transitions as well. We can help you understand these upcoming changes and provide the information you need to better prepare for this exciting season of your life. Working together, we’ll gain clarity and confidence about your path to retirement.

Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation:

• How to confidently address the financial, lifestyle and emotional transitions to retirement
• How to guard against risks and manage those that are inevitable
• Whether you are ready for retirement

Reserve your virtual seat for May 9th. (Link to Zoom registration)

Income For Life

Tuesday, May 23rd at 5:00 PM Central/6:00 PM Eastern

You have retirement goals and plans for your future. Without a regular paycheck to count on, achieving a steady stream of retirement income will be an important part of the road ahead. Will Social Security be enough? What about your 401(k)?

Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation.

You’ll find out more about how to use annuities to help create a guaranteed income for life, including social security and your 401(k). You’ll learn the answers to your income for life questions, including:

• What sources of retirement income will you rely on?
• What retirement risks do you face now that you’re drawing on their savings?
• Which income strategies should you consider?
• How can you use annuities to guarantee income for life?

Reserve your virtual seat for May 23rd. (Link to Zoom registration)

Social Security and Your Retirement

Tuesday, June 6th at 5:00 PM Central/6:00 PM Eastern

Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. But do you know the rules of the road when it comes to Social Security?

Here’s an opportunity to attend a valuable educational seminar on this important topic, at no cost and no obligation:

• What are the rules for starting your Social Security benefits?
• How do spouses coordinate their benefits?
• Are there different routes to take that could potentially increase your benefits?
• How do you decide where Social Security fits within your retirement plans?

Reserve your virtual seat for June 6th. (Link to Zoom registration)

Women and Investing

Tuesday, June 20th at 5:00 PM Central/6:00 PM Eastern

There’s no denying the facts: Women tend to earn less than men and live longer than men. If you’re a woman who would like to retire one day, you may need to save more and invest more than men.

Do you want to become a successful lifelong investor? You can start now, by attending this valuable educational seminar on this important topic, at no cost and no obligation.

The seminar will focus on the importance of taking control of your own future through investing. You’ll also learn about:

• Key investment principles every woman should know
• Important opportunities like asset allocation
• Understanding investor behavior
• Differences between financial products like mutual funds and annuities

Reserve your virtual seat for June 20th. (Link to Zoom registration)

These workshops are educational only and are not investment advice.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Stephen Martin is a financial advisor with, and 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. APCO Employees Credit Union and APCO Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using APCO Investment Services, and may also be employees of APCO Employees Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, APCO Employees Credit Union or APCO Investment Services. 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, and may lose value.

• Retirement Savings Challenges for Women
• The Basics of Social Security Retirement Benefits

• Mutual Funds
• Stocks
• Bonds
• Options
• Unit Investment Trusts

Real Estate Investment Trusts (REITs)

Annuities

• Variable Annuities
• Fixed Annuities
• Fixed Index Annuities

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.

Investment Managers:

• CUNA Mutual
• American Funds
• Blackrock
• Fidelity
• JP Morgan
• Madison Mutual Fund
• Madison ETF
• Main Management
• Members Trust
• Morningstar MF Asset Allocation
• Morningstar Active/Passive Asset Allocation
• Morningstar Wealthbuilder Portfolios
• PIMCO
• Russell Investments
• SEI
• Vanguard