Investment Services

Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.
  • Not NCUA Insured
  • No Credit Union Guarantee
  • May Lose Value
Northrop Grumman Federal Credit Union and Blue Heron Financial Group are not registered broker-dealers and are not affiliated with LPL Financial.

The professionals at LPL Financial located at Northrop Grumman Federal Credit Union may only discuss and/or transact securities business with residents of the following states: AL, AZ, CA, CO, CT, FL, GA, HI, ID, IL, IN, KS, KY, MD, MI, MO, MS, MT, NC, NM, NV, NY, OK, OR, SC, TX, UT, VA, WA, and WI.

The professionals at Blue Heron Financial Group may only discuss and/or transact securities business with residents of the following states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, MO, MS, NC, NJ, NY, OH, PA, PR, RI, SC, TX, VA, WA, 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.

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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