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. Northrop Grumman Federal Credit Union (NGFCU) and Blue Heron Financial Group are not registered as a broker/dealer or investment advisor. Registered representatives of LPL may offer products and services using the name Blue Heron Financial Group, and may also be employees of NGFCU.
These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of NGFCU or Blue Heron Financial Group. 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
This site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states:
Alan Sweeten: AZ, CA, FL, KS, LA, MI, NV, and TX
Marjorie Kosmerl: AL, AZ, CA, CO, CT, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, NY, NC, OH, PA, PR, RI, SC, TX, VA, WA, and WI
Membership in Northrop Grumman Federal Credit Union means co-ownership in one of the strongest credit unions in the country.
Investment Services offered
through LPL Financial
Wealth Accumulation
The secret to long-term investing is time, not timing. To the extent possible put time on your side and let it work for you. Along the way, be watchful of the problems that plague most investors: taxes and inflation.
How to accumulate wealth is not a mystery. It simply takes time and patience. Because most of us do not have thousands of dollars to invest when we begin, these six steps are suggested:
Start immediately.
Invest systematically/regularly.
Diversify your holdings.
Take advantage of tax reduction strategies.
Stay the course.
From a tax perspective, we suggest you look at potential investment opportunities from three different points of view: taxable, tax-deferred, and tax-free. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Taxable
Direct ownership of any number of assets, including stocks, corporate bonds, and mutual funds. Mutual funds are simply professional management portfolios which may invest in either stocks, bonds, or a combination of the two. Investing in mutual funds involves risk, including possible loss of principal.
Tax-Deferred
Investment accounts which have been specifically designed to attract long-term investment dollars by offering the inducement for tax-deferral. By postponing the taxes, you are able to keep more of your earnings invested in pursuit of your financial goals. Examples include IRA accounts, 401(k)s, and annuities (insurance company sponsored investment alternatives). Withdrawals from tax-deferred accounts are generally subject to limitations and restrictions.
Federally Tax-Free
Practically speaking, the only federally "tax-free" investment alternative still available today is the municipal bond. Municipal bonds are debt obligations issued by cities, counties, and state governments for the common good--to finance such projects as schools, hospitals, bridges, and roads. However, please note that these earnings may be subject to other taxes such as state, local or alternative minimum tax.
We encourage you to talk with an informed professional before embarking on any investment course. You are invited to talk to an LPL investment representative (without cost or obligation) in Southern California or the Baltimore area.
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.
If you are using a screen reader and need assistance using this website, please call 800-633-2848.
Mailing Address
Box Number 47009
Gardena, CA 90247-6809
Call Center
800-633-2848
Monday - Friday
Available 24/7
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The use of these calculators is no guarantee of
a payment amount or interest rate.
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