Start Planning Now!
It’s never too early or too late to create a financial plan. At AmeriCU Investments, our professionals are here to help you plan and pursue your financial goals. Whether you’re just starting out or nearing retirement, we work together to develop a personalized plan that grows and changes with your family and your life.
We’re committed to improving your financial well-being. Let us put our experience, training and knowledge to work for you. It all starts with a no-cost, no obligation consultation. There’s no reason to wait.
Call 800.352.9699 to schedule a no-cost, no-obligation consultation now to get started.
Check the background of investment professionals associated with this site on FINRA’s BrokerCheck
AmeriCU Investments provides retirement planning and financial advising services through LPL Financial (LPL), a registered investment advisor broker-dealer (member FINRA/SIPC).
Why work with AmeriCU Investments’ Financial Professionals?
We study your basic information carefully and then prepare recommendations based on your financial foundation and the goals you are trying to reach.
- Wealth management isn’t just for the wealthy. We work with members of all ages, income levels and life stages.
- We work together, starting with a comprehensive analysis of your income, expenses and investments and answer the question, “Will I have enough money to…?”
- While specific goals are important, your plan considers all the angles. It spans from insurance and investments all the way to your financial legacy.
- We believe in clarity and transparency. We’ll help you understand everything involved with your money and how your plan aligns with your specific needs and priorities.
- Our commitment is ongoing. Creating your plan is just the beginning.
Financial Products and Strategies
- IRAs
- Mutual funds
- Annuities
- Long-term care insurance
- Life insurance
- Managed accounts
- Stocks and bonds
Financial Services
- Savings and investment strategies
- IRA rollover services
- Retirement income planning
- Investment management
- Insurance planning
- Tax-advantaged investment planning
- Estate conservation
- Education funding
- Asset accumulation and distribution strategies
- Charitable giving strategies
Meet Our Wealth Management Team
Raymond Acosta
Financial Advisor, LPL Financial | Offices located in Rome, Griffiss Park, North Utica, Oneida, and Cazenovia
Phone: 315.356.3000 ext. 3294
Sean Ryan
Financial Advisor, LPL Financial | Offices located in Fort Drum, Watertown, Lowville, Commercial Drive, Herkimer, and Cicero
Phone: 315.356.3000 ext. 6072
Steven Horyl
Financial Advisor, LPL Financial | Offices located in Auburn, Camillus, Fayetteville, Liverpool, and Syracuse
Phone: 315.356.3000 ext. 6040
David Brown
Financial Advisor, LPL Financial | Offices located in the Virtual Financial Center, Contact Center, Armory Square, Onondaga Hill, and Cortland
Phone: 315.356.3000 ext. 3316
Upcoming Webinars:
Income for Life
6:00 PM EST on 05.01.2024 at ZOOM
You’ll learn more about how to use annuities to help create a guaranteed income for life, including social security and your 401(k). You’ll learn the answers to your income for life questions, including:
- What sources of retirement income will you rely on?
- What retirement risks do you face now that you’re drawing on their savings?
- Which income strategies should you consider?
- How can you use annuities to guarantee income for life?
The Three Transitions to Retirement
6:00 PM EST on 05.29.2024 at ZOOM
You can attend this seminar at no cost and no obligation. This seminar will take place at 6:00 PM EST on 05/29/2024 at ZOOM. Travis Stanley from TruStage™ Annuities will answer your retirement questions and help you:
- More confidently address the financial, lifestyle, and emotional transitions to retirement.
- Guard against risks and manage the inevitable ones.
- Gauge when you’re ready for retirement.
Rollover Planning
6:00 PM EST on 06.11.2024 at ZOOM
You’ll get a clear understanding of the different options available to you when you leave an employer and have an employer-based retirement savings plan account balance to consider, including:
- Four major options for retirement plan balances when changing jobs
- Pros and cons of each option
- How a rollover works
- And more
Rethinking Diversification
6:00 PM EST on 06.25.2024 at ZOOM
You’ll learn more about how retirement savers face new challenges and new ways to manage investment risk. You’ll learn the answers to your investment questions, including:
- What is traditional portfolio diversification?
- How has the investment landscape changed?
- How can you achieve your goals with the least amount of risk?
- How can new annuity options help you rethink diversification?
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risk including possible loss of principal.
Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Variable annuities are subject to market risk and may lose value.
Is a fixed annuity right for you?
With interest rates hovering at historic lows, investors seeking security might think you have to settle for less. But with a fixed annuity, you could get similar benefits and potentially higher rates!
Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.
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. AmeriCU Credit Union and AmeriCU Investments are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using AmeriCU Investments, and may also be employees of AmeriCU Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, AmeriCU Credit Union or AmeriCU Investments. 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 of Obligations | May Lose Value |
Your 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 brokerage or advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html or scan the QR code below for more detailed information.
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.