Invest in Your Future

The best time to invest in your future is now. By starting early, you have time on your side to save for all the things in life you want. From a fully funded retirement to college savings, having a plan of action can help get you where you want to go.

 

Woman sitting on sofa while looking at mobile phone
Woman sitting on sofa while looking at mobile phone

Investments & Wealth Management

There’s a lot to know when it comes to investments and wealth management. Even the most seasoned investors can expose themselves to risk. Let one of our Financial Advisors help you to mitigate risk while working to create generational wealth for your loved ones.

Woman sitting on sofa while looking at mobile phone
Woman sitting on sofa while looking at mobile phone

Investments & Wealth Management

There’s a lot to know when it comes to investments and wealth management. Even the most seasoned investors can expose themselves to risk. Let one of our Financial Advisors help you to mitigate risk while working to create generational wealth for your loved ones.

Elderly couple sitting on lake pier looking at view
Elderly couple sitting on lake pier looking at view

Annuities & Income

Annuities and income can be an intricate web of information. When you’re not sure about the difference between a fixed-index annuity and a variable-rate annuity, let one of our financial specialists navigate the waters for you. They can help guide you to pursuing an income stream that provides financial independence and confidence.

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. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index.

Elderly couple sitting on lake pier looking at view
Elderly couple sitting on lake pier looking at view

Annuities & Income

Annuities and income can be an intricate web of information. When you’re not sure about the difference between a fixed-index annuity and a variable-rate annuity, let one of our financial specialists navigate the waters for you. They can help guide you to pursuing an income stream that provides financial independence and confidence.

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. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index.


Calculators


 

Outlook 2022: Passing the Baton

LPL Research "Outlook 2022: Passing the Baton" features LPL Research's economic and market forecasts for 2022 and beyond.

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. The economic forecasts may not develop as predicted. Please read the full Outlook 2022: Passing the Baton publication for additional description and disclosure. This research material has been prepared by LPL Financial LLC.

 

 

Outlook 2022: Passing the Baton

LPL Research "Outlook 2022: Passing the Baton" features LPL Research's economic and market forecasts for 2022 and beyond.

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. The economic forecasts may not develop as predicted. Please read the full Outlook 2022: Passing the Baton publication for additional description and disclosure. This research material has been prepared by LPL Financial LLC.

 

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Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

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The financial advisors of Orange County's Retirement & Investment Services are registered with and offer securities and advisory services through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/ SIPC). Insurance products are offered through LPL or its licensed affiliates. Orange County's Credit Union and Orange County's Retirement & Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Orange County's Retirement & Investment Services, and may also be employees of Orange County's Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Orange County's Credit Union or Orange County's Retirement & Investment Services. 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 or Obligations May Lose Value

 

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, tax, or legal advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.