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Work toward 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 access to 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
  • Maintain your assets

Services We Offer

RETIREMENT SERVICES

  • Planning assistance, whether you’re just getting started, ready to retire or retired now
  • Retirement plan rollover services
  • 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
  • Maintaining your financial security
  • Building your nest egg
  • 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
  • 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

Social Security and Your Retirement

Tuesday, September 26th 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 September 26th (Link to Zoom registration)

The Return of Conservative Investing

Tuesday, October 10th 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.

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 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 October 10th (Link to Zoom registration)

Women and Investing

Tuesday, October 24th 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 October 24th (Link to Zoom registration)

    Understanding Your Rollover Options

    Tuesday, November 7th at 5:00 PM Central/6:00 PM Eastern

    Changing jobs is a common experience for most U.S. workers. But, what’s the right thing to do with your retirement savings plan account from a previous employer? What are your options, and how can your decision impact your long-term retirement savings?

    Here’s an opportunity for you to get a clear understanding of your different options, and how each one can affect your progress toward your retirement savings goals — at no cost and no obligation.

    You’ll get a clear understanding of the different options available to you when you leave an employer and have an employer-based retirement savings plan account balance to consider, including: 

    • Four major options for retirement plan balances when changing jobs
    • Pros and cons of each option
    • How a Rollover works
    • And more

    Reserve your virtual seat for November 7th (Link to Zoom registration)

    Rethinking Diversification

    Tuesday, November 21st 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, at no cost and no obligation.

    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 for November 21st (Link to Zoom registration)

    Women and Investing

    Tuesday, December 5th 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 December 5th (Link to Zoom registration)

    Social Security and Your Retirement

    Tuesday, December 19th 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 December 19th (Link to Zoom registration)

    These workshops are educational only and are not investment advice.

    There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

    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. Variable annuities are subject to market risk and may lose value.

     

    Investment Products We Offer Access To

    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.

      APCO Investment Services Representative Stephen Martin, CRPC, AWMA


      Stephen Martin is the financial advisor* exclusively serving the Credit Union’s membership. He is especially qualified to provide Credit Union members professional assistance, quality financial strategies 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 to find a broker, investment or financial advisor.

       

      Securities and advisory services are offered through LPL Financial (LPL), a registered 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 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:
      *The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
      APCO Employees Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.
      Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.