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Work toward your financial goals.

Take a minute to consider your various financial goals, from sending your kids to college to purchasing adequate life insurance to retiring. We provide access to a range of products and services that can be tailored to your unique needs. Our APCO Investment Services Representatives can help:

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  • Plan your financial future
  • Manage your investments
  • Fund your children’s education
  • Retire more comfortably
  • Maintain your assets

Services We Offer

RETIREMENT SERVICES

  • Planning assistance, whether you’re just getting started, ready to retire or retired now
  • Retirement plan rollover services
  • Individual Retirement Accounts (IRAs)
    • Roth IRAs
    • Spousal IRAs
    • Rollover IRAs
  • Business retirement accounts
    • 401(k) plans
    • Simplified Employee Pensions (SEPs)
    • Savings Incentive Match Plan for Employees (SIMPLEs)
    • Tax-Sheltered Annuities (TSAs) and 403(b) plans
    • Non-qualified deferred compensation plans
    • Non-qualified accumulation plans

Financial Management

  • Setting goals
  • Creating a savings and investment plan
  • Maintaining your financial security
  • Building your nest egg
  • Managing wealth
  • Creating an income from your assets

Insurance Services

  • Life Insurance
  • Long-Term Care Insurance
  • Disability Income

Education Planning and Funding

  • Planning assistance
  • Education savings accounts
    • 529 savings plans
    • Coverdell education savings accounts
    • Roth IRAs

Wealth Management

  • Financial plans that provide comprehensive analysis and planning for financial goals, retirement and estate transfer
  • Legacy planning**
    • Charitable giving strategies
    • Employee stock options

** Representative is neither a tax advisor nor attorney. For information regarding your specific tax situation, please consult a tax professional. For legal questions, including information about estate planning, please consult your attorney.

Webinars and Events

Investment Services Upcoming Webinars 

Social Security and Retirement
Tuesday, December 3rd, at 5:00 PM Central/6:00 PM Eastern

Start finding answers at our Social Security and Retirement. This seminar will walk through specifics about Social Security and help you understand:

  • The rules for starting Social Security benefits
  • How spouses coordinate their benefits
  • Different things you can do to potentially increase your benefits
  • Where Social Security fits into your retirement plans

Click here to reserve your spot.

Understanding Medicare
Tuesday, December 17th, at 5:00 PM Central/6:00 PM Eastern

Medicare is a key part of planning your retirement journey. We’re here to help you understand the basics so you can make your choice with confidence. Attending the Understanding Medicare seminar is a great first step in this process.

You can attend this seminar at no cost and no obligation.This seminar will  answer your Medicare questions and help you understand:

  • Key differences between Medicare parts A, B, C and D 
  • Tips for choosing your coverage 
  • How to enroll in Medicare
  • How to plan your retirement income with health care costs in mind

Click here to reserve your spot. 

These workshops are educational only and are not investment advice.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

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. Variable annuities are subject to market risk and may lose value.

 

Investment Products We Offer Access To

INVESTMENTS

  • Mutual Funds
  • Stocks
  • Bonds
  • Options
  • Unit Investment Trusts

Real Estate Investment Trusts (REITs)

Annuities

  • Variable Annuities
  • Fixed Annuities
  • Fixed Index Annuities

MANAGED ACCOUNTS

Managed accounts are portfolios designed for individuals to match their specific financial needs with portfolio objectives, and managed by professional investment managers. Often these accounts offer an avenue for individuals to access investment managers that are generally available only to institutional-level investors.

    APCO Investment Services Representative Stephen Martin, CRPC, AWMA

    Picture of Stephen Martin Sitting at a DeskStephen Martin is the financial advisor* exclusively serving the Credit Union’s membership. He is especially qualified to provide Credit Union Members professional assistance, quality financial strategies and dependable service. Stephen is a Registered Representative of LPL Financial (LPL), and a financial advisor with 13 years in the financial industry. He is available to meet with individuals and families.

    For a no-cost, no-obligation appointment, contact Stephen Martin by email at Stephen.Martin1@lpl.com or by phone at 205-226-6866.

    Located at:
    APCO Employees Credit Union
    750 17th Street North
    Birmingham, Alabama 35203

    BOOK an Appointment

    We provide a range of products and services that can be tailored to your unique needs.

    Financial strategies to help you discover what’s best for you.

    Calculators to help clarify your short- and long-term goals.

    Account Access easy access to your account and information on markets, quotes, and financial news.

    BrokerCheck to find a broker, investment or financial advisor.

     

    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. APCO Employees Credit Union and APCO Investment Services are not registered as broker-dealer or investment advisor. Registered representatives of LPL offer products and services using APCO Investment Services and may also be employees of APCO Employees Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, APCO Employees Credit Union or APCO Investment Services. Securities and insurance offered through LPL or its affiliates are:
    *The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
    APCO Employees Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.
    Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

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