Stocks & BondsTax Efficient InvestmentsIndividual Retirement Accounts (IRAs)Mutual FundsBusiness Retirement Plans (SEP, SIMPLE)AnnuitiesLife, Disability, & Long Term Care Insurance
A unique balance of investments for your goals
You have specific financial needs and goals that don’t fit into a one-size-fits-all solution, but developing a comprehensive investment plan can be difficult on your own. Many investors find the correct balance by relying on a financial professional who has the time, tools and resources to deliver a customized, comprehensive plan.
We offer thoughtful, unbiased investment guidance and can create a well-balanced investment plan to help you comfortably pursue your objectives. Identify quality investments for your short- and long-term goalsDevelop a diversified investment strategy with a comfortable level of riskPeriodically realign your investment portfolio to keep you on trackProvide advice that can help you keep your bearings in volatile markets
No matter what your personal goals and situation, we can deliver the investment guidance needed to develop a well-balanced investment plan.
Your financial consultant can also help you use insurance to help secure your quality of life or that of a family member.
Are you prepared to meet future health care costs? Long-term care insurance pays for the care you may need if you are no longer able to care for yourself independently. There are flexible coverage and premium payment options that allow you to tailor the policy and payments to your specific situation. Today’s policies offer a variety of optional features that can even include a return of premium rider for unused premium dollars. With people living longer and the cost of care on the rise, these policies offer the peace of mind of knowing you will be able to afford the care you need.
Have you considered the effects of losing your income? Long-term disability is insurance designed to replace a percentage of your gross income on a tax-free basis should a disability prevent you from earning an income in your occupation. If you are the primary wage-earner, imagine for a minute what life would be like if that income were no longer there to support your household. With that image in mind, it should not be hard to envision the difference long-term disability could make in your ability to sustain your family’s quality of life.
Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing. Guarantees are based on the claims paying ability of the issuing insurance company.
To learn more about these and other investment or insurance strategies, schedule an appointment with an LPL Financial Advisor.
Securities and advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance Products offered through LPL Financial or its licensed affiliates. AmeriServ Financial and AmeriServ Financial Services are not registered broker/dealers and are not affiliated with LPL Financial.
The investment products sold through LPL Financial are not insured AmeriServ Financial Bank deposits and are not FDIC insured. These products are not obligations of AmeriServ Financial Bank and are not endorsed, recommended or guaranteed by AmeriServ Financial Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
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