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

Women and Investing
May 17th 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.

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. (Link to Zoom registration)

Income for Life
May 31st 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.

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. (Link to Zoom registration)

Rethinking Diversification
June 14th at 5:00 PM Central 6:00 PM Eastern

In today’s volatile market, retirement savers face new challenges. Traditional portfolio diversification may no longer be the answer to growing your savings without the risk of losing it all. Luckily, there are new ways to manage investment risk.

Here’s an opportunity to attend a valuable educational seminar on this important topic.

You’ll find out more how retirement savers are facing new challenges, and the new ways to manage investment risk. You’ll learn the answers to your investment questions, including:

• What is traditional portfolio diversification?
• How has the investment landscape changes?
• How can you achieve your goals with the least amount of risk?
• How can new annuity options help you rethink diversification?

Reserve your virtual seat. (Link to Zoom registration)

Social Security and Your Retirement
June 28th 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?

Determining when to begin benefits could be one of the biggest financial decisions you face, and there are key issues to consider. Here’s an opportunity to attend a valuable educational seminar on this important topic.

You’ll find out more about your Social Security benefits and discuss the role they play when setting a clear direction for your financial future. You’ll learn the answers to your Social Security questions, including:

• 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. (Link to Zoom registration)

These workshops are educational only and are not investment advice.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers.

• 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