Investment Services

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, TX, and UT

Margaret Kosmerl: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MO, MS, NC, NJ, NY, OH, PA, PR, RI, SC, TX, VA, WA, and WI

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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 Preservation

Once you have gathered financial assets and earmarked them for the fulfillment of a long-term dream or goal, your concern inevitably shifts to the issues of preservation and distribution.

Preservation involves the management of your assets from taxes and inflation, and extends to ensuring cost-effective transfer to your heirs. To adequately manage your assets, it's important to evaluate and adjust your investment goals, and ensure your investments are appropriate for your financial situation. Consequently, proper handling of company pension plans, 401(k) programs, IRA rollovers, and life insurance is critical, particularly in light of secondary goals you might establish for yourself and your family.

Distribution involves the handling of your assets in retirement, ill health, or upon your death (i.e., your estate plan). After a lifetime of saving and investing, you'll want to enjoy the fruits of your labor as well as focus on the conversion of assets for income generation. Should your health deteriorate, long-term care decisions may become critical for you and your family. And upon your death, the proper handling of your estate via probate or living trust may facilitate your wishes for your heirs and beneficiaries.

Regardless of the stage of your financial life, each decision you make significantly impacts the next stage. As a result, consultation with a professional is important to help you work toward a sound financial future. You are invited to talk to one of our investment representatives (without cost or obligation) at LPL Financial in Southern California and Margaret Kosmerl, Blue Heron Financial Group, in Maryland and Virginia.

This information is not intended to be a substitute for specific individualized legal advice. We suggest that you discuss your specific situation with a qualified legal advisor.

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

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