General Investing/Investment Planning
Invest with Purpose. Plan for What's Next.
Whether you're saving for retirement, building wealth, preparing for a major purchase, or creating a legacy for your family, a personalized investment strategy can help keep you on track. Our team can help you build an investment plan aligned with your goals, timeline, and comfort with risk.
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Why Investment Planning Matters
A thoughtful plan can help you:
- Build long-term wealth
- Prepare for retirement
- Save for education expenses
- Generate income during retirement
- Manage investment risk
- Stay focused during market fluctuations
For members seeking flexibility and long-term growth opportunities.
Including Traditional IRAs, Roth IRAs, and employer retirement account rollovers.
Investment strategies designed to help prepare for future educational expenses.
Professional investment management and ongoing guidance.
Solutions focused on balancing income needs with preserving assets.
We learn about your goals, priorities, and current financial picture.
We recommend an investment approach tailored to your objectives and risk tolerance.
We help put your investment plan into action.
We regularly review progress and make adjustments as your life and goals evolve.
- Retirement
- Major purchases
- College expenses
- Growing long-term wealth
- Creating passive income
- Estate and legacy planning
- Navigating life transitions
- Building a financial future for family members
- Personalized recommendations
- Local, relationship-based guidance
- Ongoing support and reviews
- Strategies aligned with your goals
- Convenient access through your trusted financial institution
Frequently Asked Questions
How much money do I need to start investing?
The amount needed to begin investing varies depending on your goals and the investment options you choose. Many investment solutions allow you to get started with a relatively modest amount. The most important step is developing a plan that aligns with your financial goals, timeline, and comfort with risk.
What's the difference between saving and investing?
Saving and investing both play important roles in a financial plan, but they serve different purposes. Savings accounts are typically used for short-term goals, emergencies, and funds you may need access to quickly. Investing is generally intended for long-term goals such as retirement, education, or building wealth over time. While investing offers the potential for higher returns, it also involves market risk and the possibility of loss.
How do I determine my risk tolerance?
Can I invest if I'm close to retirement?
Yes. Investment planning can remain an important part of your financial strategy even as you approach retirement. Depending on your goals, investments may help support income needs, manage inflation, preserve assets, and maintain growth potential throughout retirement. The right strategy will depend on your financial circumstances, timeline, and risk tolerance.
How often should I review my investment plan?
It’s generally a good idea to review your investment plan at least annually and whenever you experience a significant life event, such as a career change, marriage, retirement, inheritance, or the birth of a child. Regular reviews help ensure your investment strategy continues to align with your goals and changing financial needs.
Do I need an investment plan if I'm just getting started?
Yes. Having a plan can help you stay focused on your long-term goals and make informed investment decisions. A personalized investment strategy can provide direction, help manage risk, and give you greater confidence regardless of where you are in your financial journey.
A conversation today can help you better understand your retirement account choices and determine the option that aligns with your long-term goals.
*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. Consumers Credit Union and Consumers Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Consumers Investment Services, and may also be employees of Consumers Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Consumers Credit Union or Consumers Investment Services. Securities and insurance offered through LPL or its affiliates are:
Consumers 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.
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