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Securities
offered through
Linsco/Private Ledger
Member NASD/SIPC
Mutual funds, annuities and other investments available through
Linsco/Private Ledger are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.
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Section contents:
Once you have gathered financial assets and earmarked them for the fulfillment
of a long-term dream or goal, your concern inevitably shifts to the issues
of preservation and distribution.
Preservation involves the protection of your assets from taxes and inflation,
and extends to ensuring cost-effective transfer to your heirs. To adequately protect your assets, it's important to evaluate
and adjust your investment goals and ensure your investments are appropriate
for your financial situation. Consequently, proper handling of company pension plans, 401(k) programs,
IRA rollovers, and life insurance is critical, particularly in light of
secondary goals you might establish for yourself and your family.
Distribution involves the handling of your assets in retirement, ill health,
or upon your death (i.e., your estate plan). After a lifetime of saving
and investing, you'll want to enjoy the fruits of your labor as well as
focus on the conversion of assets for income generation. Should your health
deteriorate, long-term care decisions may become critical for you and your
family. And upon your death, the proper handling of your estate via probate
or living trust may save thousands of dollars for your
heirs and beneficiaries.
Regardless of the stage of your financial life, each decision you make significantly
impacts the next stage. As a result, consultation with a professional is
important to help you work toward a sound financial future. You are invited to talk to one
of our investment representatives (without cost or obligation) in Southern
California or the Baltimore area. |