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Understanding the Basics

Basic Guidelines
  1. The quicker you get your estate and financial affairs in order, the better off you'll be. The sooner you put time and money on your side, the more income you'll have working for you later on.
  2. You may still have to save during retirement. Don't forget that inflation erodes your purchasing power. You don't want your retirement savings to run out.
  3. Growth should still be a part of your investment portfolio. Keeping all your financial assets in purely income-producing savings or investments may unnecessarily limit their potential for growth.
  4. Maximize your income... eliminate unnecessary expenses. Carefully review how you spend your money. If you can reduce or cut certain expenses, you'll have more money to spend on the things you really want.
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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. Premier America Credit Union and Premier America Investment & Retirement Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Premier America Investment & Retirement Services, and may also be employees of Premier America Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Premier America Credit Union or Premier America Investment & Retirement Services. CA Insurance License #0759204, TX Insurance License#1643255.

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