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Long-Term Planning - Rollovers - Distribution Strategies
College Funding - Portfolio Review - Fee-Based Investments
Full Service Brokerage - Online Investing

There are many ways to invest your hard earned money and a wide range of investment products to choose from. Western can help determine which is best for you, whether you're looking for a complete needs analysis and financial plan, a fine-tuning of an existing plan, or just a second opinion.

For more information, please email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.

Long-Term Financial and Retirement Planning

Long-Term Financial and Retirement Planning will help you determine how much money you will need to fund retirement or pay college tuition, and design the investment strategy needed to meet your goal. Our top priority is to help you with your long-term investment goals.

For more information about specific retirement accounts click here, email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.

Rollovers - 401(k), 403(b), or IRA

A Rollover involves the movement of funds from one retirement plan to another. For example, when a person retires, a 401k may be rolled-over into an IRA or other form of retirement plan.

A rollover is tax-free provided the entire rollover is made directly to the new IRA or retirement plan. Any amount distributed to you is treated as a withdrawal and taxable in the year distributed. There may also be early distribution penalties. To avoid penalties and taxes, you have 60 days to re-deposit the funds into an IRA.

Handling retirement plans can be very complex. Our experienced Financial Consultants can help guide you through the many choices surrounding your financial future. If you're in a position to rollover your earnings from a former employer's retirement plan or an existing IRA, we can help determine the method that's right for you.

For more information about specific retirement accounts click here, email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.

Pension and Lump Sum Distribution Strategies

A Lump Sum Distribution can come from a variety of sources. Individuals retiring from, or leaving, a company may receive a Lump Sum Distribution equal to the value of their pension, salary reduction, or profit-sharing plan. Beneficiaries of life insurance policies, on the other hand, may receive a death benefit in a lump sum.

Individuals who receive a lump-sum payment from their company's pension, profit-sharing, or salary reduction plan, due to retirement or other termination of employment, may rollover the amount into an IRA investment plan within 60 days.

If you are the recipient of a lump sum distribution, or need to select a distribution method, our experienced Financial Consultants can help you through the bewildering array of choices.

For more information about specific retirement accounts click here, email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.

College Funding Investment Planning

When it comes to planning for your child's college education, time can be your greatest ally. The more time you have, the more aggressively you can afford to invest to reach your goal. Whether it's a single-sum or monthly installment, investing early allows you to reap the benefits of compounded earnings. A college education is expensive, but a good financial advisor and a smart strategy can make it possible.

For more information about specific retirement accounts click here, email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.

Periodic Portfolio Review

A Periodic Portfolio Review will help you stay on track with your financial goals. Your portfolio consists of all your diversified investments and should be reviewed on a regular basis with your Financial Consultant to maximize your growth potential and minimize risk. If your current investment professional is not giving you the kind of attention you deserve or you want a second opinion, let us help.

For more information about specific retirement accounts click here, email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.

Fee-Based Investments

Fee-Based Investment accounts offer a consolidated, simplified approach to managing your investments. These accounts, also known as "wrap" accounts, bundle a wide range of investments, services, and advice into one account. Transactions are generally made without a charge to your account. Instead, a simple fee, generally between one and three percent, is levied based on the size of the account. The key benefits of a fee-based investment include:

  • Customized services
  • Comprehensive portfolio reviews
  • Assets consolidated into one simplified service
  • No transaction or sales charges

For more information about this service, please email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.

Full Service Brokerage

Your Financial Consultant can establish a full service brokerage account for you and even link it to your Western Checking or Savings account.

For more information about this service, please email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.

Online Investing

Western and XCU Capital Corporation, Inc. have contracted with Ameritrade to offer online investing services. With an attractive fee schedule, Ameritrade allows you to take charge of your finances using our customizable charts, real time account viewing, and quotes. You can choose from a variety of stock reports, market research, and individual stock alerts that enable you to track changes in the marketplace and your portfolio. This service offers free-streaming real-time quotes for qualified accounts. Click here for more information, or call 310-536-5042 or 877-254-9328, option 6

Securities and annuities transactions are offered through XCU Capital Corporation, Inc., member NASD, SIPC. Insurance is offered through Focus Insurance Agency, Inc., a wholly owned subsidiary of XCU Corporation, Inc., license number in California is #0727864.
Investment and insurance products are not credit union deposits, are not insured by the NCUA or any federal government agency, are not obligations of or guaranteed by Western, or XCU Capital Corporation, Inc., or Focus Insurance Agency, Inc., and subject to investment risks, including possible loss of principal amount invested.

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