Financial Planning & Investment Services

You’re used to getting things done yourself. But when it comes to planning for your future, it makes sense to rely on seasoned help. Contact an Alaska USA Financial Planning and Investment Services Financial Professional. They can help you pursue your financial goals by learning what’s important to you, then designing a plan that aligns with your needs, experience, and time horizon. They can help you understand your individualized plan, which may include different account types and investments such as stocks, bonds, and mutual funds. Once your plan is put into action, your financial professional will continue to check in regularly to ensure that it is still working for you.

View the backgrounds of our investment professionals on BrokerCheck from the Financial Industry Regulatory Authority (FINRA).

Retirement

Retirement

Individual Retirement Accounts (IRAs) with tax advantages help you accumulate a nest egg for your retirement years.

Traditional IRA

With a traditional IRA, eligible contributions are tax deductible and are only taxed when withdrawn during retirement, often when you're in a lower tax bracket. There is no age restriction for Traditional IRAs, so anyone at any age can contribute if they are still working. Traditional IRAs are also subject to Required Minimum Distributions (RMDs) starting at age 72.

Roth IRA

With a Roth IRA, contributions are taxed. However, qualified distributions are tax-free, regardless of your tax bracket or income level. Roth IRAs are also subject to income limits, restricting how much you can contribute depending on your earnings and filing status. Additionally, Roth IRAs are not subject to RMDs, allowing funds to grow throughout your lifetime, and even transfer to beneficiaries.

Education Funding

Education Funding

Invest in a child's future and start saving early with education funding solutions.

529 Plans

Also known as "qualified tuition plans," 529 plans are tax-advantaged savings accounts designed to encourage saving for tuition and related fees and costs. There are two types of plans: pre-paid tuition plans and college savings plans. Depending on the type of plan, eligible expenses may include tuition, mandatory fees, books, computers, and room and board.

Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

Coverdell Education Savings Account

Commonly referred to as an "education savings account" or a "Coverdell ESA" these accounts are tax-advantaged investment accounts designed to encourage savings to cover future education expenses. Qualified expenses for these accounts include elementary and secondary education in addition to higher education expenses such as tuition and fees.

Insurance

Insurance

Investment and insurance products and services may help you plan for the future and protect what matters most.

Life Insurance

Life insurance may be an important part of your retirement, estate or business plan, or simply offer peace of mind. Life insurance provides income to beneficiaries in the event of a policyholder's death. With many different types of life insurance policies, including term life, whole life, and universal life, it is important to choose the right type of coverage for your needs.

Long Term Care

Long-term care insurance can be an important financial planning tool. It is designed to cover extended care costs which are not normally covered by health insurance, Medicare, or Medicaid. Qualified costs covered under the plan often include living assistance, therapy sessions, or nursing homes.

Disability Income Insurance

Often called "income protection", disability income insurance provides protection against the risk that a disability creates barrier for the insured to complete the core functions of their work. This type of insurance provides replacement income in the event the insured becomes disabled and suffers a loss to earnings.

Annuities

An annuity is a contract that guarantees a series of payments in exchange for a single lump sum investment or series of investments. The amount and frequency of your distribution payment can be tailored specifically to your needs. Annuities are often used to provide a steady stream of income during retirement.

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice.

Employer Sponsored Retirement Plans

Employer Sponsored Retirement Plans

Alaska USA Financial Planning and Investment Services offers employer sponsored retirement account options to fit an organization's goals. Attract and retain employees by offering them a way to invest in their retirement.

Simplified Employee Pension Plans

Often referred to as "SEPs," simplified employee pension plans can help provide retirement income by allowing employers to set aside money in retirement accounts for themselves and their employees. These plans are often simple to set up, have low administrative costs and provide employers flexibility with annual contributions.

Savings Incentive Match Plan

Often referred to as "SIMPLE IRAs" a savings incentive match plan allows employees and employers to contribute to traditional IRAs set up for employees. These plans are suited for small employers (usually sole proprietorships or partnerships) not currently sponsoring a retirement plan.

Investments

Investments

Alaska USA Financial Planning and Investment Services advisors can help you design a savings or retirement plan based on your specific goals. Your plan may include a balanced portfolio of funds and investments. Your advisor will show you how to allocate your resources based on your planning horizon, or the specific goal that you are trying to reach. Common investments include:

Stocks

If you choose to include stocks in your investment portfolio, this makes you a part owner, or shareholder, with a small stake in the companies that issue the stock. Many investment portfolios include a variety of stocks, to assure balance and diversification.

Bonds

Bonds are commonly referred to as fixed-income securities. Companies or governments raise money by issuing bonds to investors who then become debt holders. A balanced portfolio often includes a variety of bonds which have the advantage of a predictable, but typically lower, rate of return.

Mutual Funds

Mutual funds are professionally managed pools of investments that allow participation by a number of investors. Investors participate proportionally in the gains and losses of the fund. There are many kinds of mutual funds from which to choose, each one based on a set of investment guidelines. Mutual funds provide an opportunity for the average investor to participate in a broadly diversified portfolio of investments.

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. Alaska USA Federal Credit Union and Alaska USA Financial Planning & Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Alaska USA Financial Planning & Investment Services and may also be employees of Alaska USA Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Alaska USA Federal Credit Union or Alaska USA Financial Planning & 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

May Lose Value


CA Insurance License Information
Bryanna Gleason I Domicile: CA I 14250 7th St. Victorville, CA 92395 I CA Insurance #0H30143
John Gee I Domicile: WA I 1107 SW Grady Way, Suite 240 Renton, WA 98055 I CA Insurance #0K72825
Lance Sevier I Domicile: WA I 2401 4th Avenue, Suite 100 Seattle, WA 98121 I California Insurance #0H63213
Mike Klopfer I Domicile: AK I 500 W 36th Ave., Suite 410 Anchorage, AK 99503 I California Insurance #0L84918

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.