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Reach your financial goals.

Take a minute to consider your various financial goals, from sending your kids to college to purchasing adequate life insurance to retiring. We provide a range of products and services that can be tailored to your unique needs. Our APCO Investment Services Representatives can help:

  • Plan your financial future
  • Manage your investments
  • Fund your children’s education
  • Retire more comfortably
  • Protect your assets

Services We Offer

RETIREMENT 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

Financial Management

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

Insurance Services

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

Education Planning and Funding

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

Wealth Management

  • 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.

Webinars and Events

Investment Services Upcoming Webinars


The Return to Conservative Investing

Tuesday, November 29th at 5:00 PM Central/6:00 PM Eastern

Market volatility. Low interest rates. Retirement risks. All of these headwinds are making it tougher than ever to know where to invest your retirement savings. In this seminar, you’ll learn how conservative investments like certificates of deposit (CDs) and annuities can help get your financial plan back on track.

You’ll find out more about where to invest your retirement savings and learn about conservative investments. You’ll learn the answers to your Conservative Investing questions, including:

  • How can conservative investments help you face today’s economic risks?
  • What are the differences between CDs and annuities?
  • What are the different types of annuities?

How do you decide which conservative investment is right for you?

Reserve your virtual seat for November 29th. (Link to Zoom registration)


A Clear Direction on the Road to Retirement

Tuesday, December 13th at 11:00 AM Central/12:00 PM Eastern

There’s a big difference between not working and not worrying. But for millions of Americans, the worrying begins after the working ends. If you only have a hit-or-miss plan for generating retirement income, you may not enjoy the stress-free retirement journey you’ve worked so hard for. Don’t let this happen to you. Here’s an opportunity to attend a valuable educational seminar on this important topic.

You’ll find out more about your Retirement income and discuss the role it plays when setting a clear direction for your financial future. You’ll learn the answers to your Retirement income questions, including:

  • How do I get the most from my pension and Social Security?
  • How should I invest to generate income during my retirement?
  • How can I make sure that I can meet my health care needs?
  • What sources of income should I draw upon and when?

Reserve your virtual seat for December 13th. (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.

 

Investment Products We Offer

INVESTMENTS

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

Real Estate Investment Trusts (REITs)

Annuities

  • Variable Annuities
  • Fixed Annuities
  • Fixed Index Annuities

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.

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

    APCO Investment Services Representative Stephen Martin, CRPC, AWMA


    Stephen Martin is the AIS financial advisor* exclusively serving the Credit Union’s membership. He is especially qualified to provide Credit Union members professional assistance, quality financial solutions and dependable service. Stephen is a Registered Representative of LPL Financial (LPL), and a financial advisor with 11 years in the financial industry. He is available to meet with individuals and families.

    For a no-cost, no-obligation appointment, contact Stephen Martin by email at Stephen.Martin1@lpl.com or by phone at 205-226-6866.

    Located at:
    APCO Employees Credit Union
    750 17th Street North
    Birmingham, Alabama 35203

    We provide a range of products and services that can be tailored to your unique needs.

    Financial strategies to help you discover what’s best for you.

    Calculators to help clarify your short- and long-term goals.

    Account Access easy access to your account and information on markets, quotes, and financial news.

    BrokerCheck – Find a broker, investment or financial advisor (finra.org)

     

    *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.

    *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.