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. Schedule an appointment with an Alaska USA Financial Planning and Investment Services advisor. Our advisors can help you reach 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 advisor will continue to check in regularly to ensure that it is still working for you.
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Individual Retirement Accounts (IRAs) with tax advantages help you safely accumulate a nest egg for your retirement years.
With a traditional IRA, eligible contributions are made tax-free and are only taxed when withdrawn during retirement, often when you're in a lower tax bracket. Additionally, anyone with earned income under age 70 ½ can contribute to a traditional IRA, regardless of earnings of filing status. Traditional IRAs are also subject to Required Minimum Distributions (RMDs) starting at age 70 ½.
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, effectively fund education, and even transfer to beneficiaries.
Qualified Retirement Plan Rollovers
Qualified Retirement Plan rollovers are tax-free transactions in which your balance in a tax-qualified employer-sponsored retirement plan – such as a 401(k), tax-sheltered annuity 403(b), or governmental 457(b) plan – is rolled over to another tax-qualified account such as an IRA. When done properly, a rollover will preserve the tax-sheltered status of the retirement assets.
- Education Funding
Invest in a child's future and start saving early with education funding solutions.
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.
Coverdale 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.
Investment and insurance solutions may help you plan for the future and protect what matters most.
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.
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.
- 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 including 401(k) and 403(b) plans, as well as Simplified Employee Pension Plans and more. Attract and retain employees by offering them a way to invest in their retirement.
401(k) & 403(b) Plans
401(k) and 403(b) plans allow employees of private companies and non-profit organizations to save for retirement through tax-advantaged investment programs. Contributions are tax-free and are automatically taken out of the employee's paycheck. Companies and organizations can make additional contributions, often matching a percentage of an employee's contributions.
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.
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:
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 are commonly referred to as fixed-income securities. Companies or governments raise money by issuing bonds to investors who then become debtholders. A balanced portfolio often includes a variety of bonds which have the advantage of a predictable, but typically lower, rate of return.
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.
*Alaska USA Financial Planning and Investment Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC Insured, May lose value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.