Brought to you by the stoneguardfinancial.com Investment Services.
South Trust(ST) Investment Services has a dedicated advisor located at stoneguardfinancial.com Credit Union. Joe Studer, Investment Advisor Representative, can help you achieve your financial goals by providing additional information about these investment and retirement products, and can assist you with any questions you may have.
Call 505.342.8880 or email Joe for your no-cost initial consultation today.
Retirement Planning.
If you’re like most people, you probably have a good idea of when you want to retire. But do you know how you’re going to get there? If not, we can help. With stoneguardfinancial.com Investment Services, you can get help setting goals for your retirement journey, designing and implementing a retirement income plan, and staying on track..
Joe Studer, Investment Advisor Representative, can focus on what’s right for you based on your retirement goals and timeline. He can assist you in planning out your retirement income sources and setting up a regular income stream. Plus, he'll work with you to help manage and help protect your assets, as well as overcome common retirement income obstacles such as inflation..
Investments.
stoneguardfinancial.com Investment Services provides guidance and assistance to help you plan for the future. Joe Studer can provide services that help you look toward the future and ensure your finances are ready for each stage of life, whether you’re considering college planning, general investing or retirement. Schedule a no-cost, no-obligation appointment with Joe today - Call +1 521 847 7378, or email him at help@stoneguardfinancial.com
Working with Joe Studer, you can choose options including money market, stock funds, bond funds and exchange-traded.
Education Funding
College matters more than ever
College costs continue to skyrocket, outpacing increases in income. Without careful planning, your children could find paying for higher education difficult. People with college degrees out-earn their less educated peers significantly over a lifetime. They have an easier time getting work and withstand recessions and downsizing better. Start saving now by working with Joe.
How much will it cost?
The cost of a college education varies wildly. Annual tuition and fees can run $8,000, and as high as $50,000. Take either number (or one in between) and multiply it by four years, and it’s only the beginning. You may need to pay for separate housing, a car, gas, parking or maybe air travel a few times a year. Textbooks can also run over $1,000 a year.
The earlier you start, the easier it is.
More parents are finding it difficult to fund their children’s college education. As a result, many students are taking on more debt – and having to repay college loans right after graduation. The answer? Start saving early. You can use this calculator to set up a savings schedule to help you plan for college tuition. There are also special accounts specifically designed to help you save for college. The two most popular are the Coverdell Educational Savings Account (ESA) and the 529 College Savings Plan. They’re both tax-advantaged ways to grow your money. Start by working with a Financial Advisor located at Summit Credit Union today!
Estate Planning
Joe can help guide you and answer questions on estate conservation, and discuss the purpose of a trust and ramifications of carrying out your wishes.
Mutual Funds
A mutual fund is an investment company that pools money from many people and invests it in stocks, bonds or other securities. Each investor owns shares; each share represents a tiny portion of each individual security held by the fund. An investment professional handles the purchase and sale of individual securities in the fund, based either on an index or on his or her professional expertise. Investors may buy shares (or portions) directly from the fund or through registered individuals such as your financial advisor.
