Premier Members CU Sign In Menu FINANCIAL PLANNING The MEMBERS Financial Services program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit cunabrokerage.com. Whether you are a first-time investor or an experienced pro, you will be able to find the information, products and help you need through the MEMBERS Financial Services Program at Premier Members CU. INVESTMENT STRATEGIES Invest where you belong. IRAS Americans have over $4.2 trillion invested in Individual Retirement Accounts – almost half of all retirement assets.* An IRA is an investment account that belongs to you, to which you contribute. It can consist of stocks, mutual funds, bonds, annuities, certificates or other investment products. Gains grow tax deferred until they’re distributed. In some cases, they’re not taxed at all. Explore the features of both a Roth and Traditional IRA to see if an IRA is right for you. There is also an IRA calculator available to help you determine which type of IRA contribution is appropriate for you given your personal financial information, rate of return and years until retirement. GET STARTED ON YOUR IRA MUTUAL FUNDS With Mutual funds investors pool their money into a diversified, managed portfolio of securities. This gives ordinary Americans access to professional fund managers. These mutual fund managers decide the best time to buy and sell providing you the expertise of investment professionals. Funds are aggressive, conservative and places in between.* *Before investing in a mutual fund, carefully consider its investment objectives, risks, fees, and expenses, which are included in the prospectus available from the fund. Read it carefully before investing. SEE IF MUTUAL FUNDS ARE RIGHT FOR YOU MANAGED ACCOUNTS Managed accounts are portfolios designed for individuals to match their specific financial needs with portfolio objectives, and managed by professional investment managers. Often these accounts offer an avenue for individuals to access investment managers that are generally available only to institutional-level investors. DETERMINE WHETHER MANAGED ACCOUNTS FIT YOUR NEEDS STOCKS AND BONDS Stocks and bonds can range from conservative to ultra aggressive. When you invest in individual stocks, you become a part owner of the business, with all the ups and downs. You can vote at shareholder meetings and receive profits allocated to owners. You may get very high returns, but you may also lose money. FIND OUT MORE ABOUT STOCKS AND BONDS INSURANCE PRODUCTS Protection for what matters most. You’ve worked hard to build the life you’ve wanted. Insurance can protect you and those you love from an unexpected death, illness and even from living longer than expected. By protecting yourself with life and long-term care insurance, and with an annuity, you can help yourself find peace of mind in knowing you’ve done the right thing. LIFE INSURANCE People buy life insurance to protect those left behind in the wake of an untimely death. Whether it’s to assure that a son or daughter goes to college or to assure the comfort and safety of a spouse, life insurance is essential to assure that your dreams become a reality – whether you’re here or not. FIND OUT IF TERM INSURANCE IS RIGHT FOR YOU LONG-TERM CARE Your golden years could be very expensive or very well thought out. The day may come when you need long-term care. It can be very expensive and Medicare doesn’t usually supplement that cost. Without a way to pay for the expenses associated with long-term care, your savings could be at risk as well as the financial security you planned on leaving your family. LEARN MORE ABOUT LONG-TERM CARE FINANCIAL PLANNING / INVESTMENT STRATEGIES / ANNUITIES Annuities are contracts with an insurance company that can help protect you against the risk of outliving your assets. Annuities provide future income in return for your contributions. ANNUITIES You make payments and accrue interest and income over time. A “deferred annuity” allows you to accumulate funds tax-deferred and then establish a payout stream at a later date. An “immediate annuity” can provide a payout beginning immediately after an initial premium payment. Annuities offer an array of choices both during the deferral and payout periods to suit your needs and investment style. LEARN MORE ABOUT ANNUITIES The MEMBERS Financial Services Financial Professional, located at Premier Members Credit Union can explain your investment and retirement options. Some of these options include mutual funds, variable annuities, life insurance, long-term care insurance, and brokerage. Call Doug Jones at our Arapahoe Ave Branch directly at 303.657.7594 or Dustin Hicklin at our 120th Ave Branch in Westminster directly at 303.657.7103 to set up a no-cost, no-obligation appointment at our Arapahoe Ave Branch location in Boulder. Check the background of this investment professional on FINRA’s BrokerCheck. FR-3700975.1-0821-0923 INFORMATION CENTER Tools & Calculator Branch & ATM Locator The MEMBERS Financial Services program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit cunabrokerage.com. *MEMBERS Financial Services Financial Professionals are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. 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. Premier Members CU © 2021 Premier Members Credit Union. All Rights Reserved If you are using a screen reader and are having problems using this website, please call 303.657.7000 for assistance. EXPLORE Search Become a Member Personal Rates About Us Careers Contact Us Sitemap Disclosures ACCOUNT SERVICES 303.657.7000 info@pmcu.org Routing #: 307074535 Facebook LinkedIn Twitter YouTube Accounts federally insured up to $250,000 by the National Credit Union Administration (NCUA), the strongest government insurance fund in the country. NMLS#416701