Retirement Income Planning
- How can I assure I don't run out of money in retirement?
- How much money each month can I expect in retirement and where will it come from?
Investment & Retirement Center (IRC)
Looking for a more robust investment strategy? Turn to American Heritage's Investment & Retirement Center (IRC) for the guidance and services you need. Your IRC representative will listen to your needs, review your goals and make recommendations. Educational workshops, including online video workshops, are also offered.
- Investment Planning
- IRAs (Traditional and Roth)
- Life Insurance
- Rollover Services / IRA Transfers
- Retirement
- Fixed and Variable Annuities
- Mutual Funds
- Conservative Investments CD Alternative
Interested in setting up an appointment with one of our qualified Advisers?
SET UP A COMPLIMENTARY CONSULTATION TODAY!
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The American Heritage Investment & Retirement Center program is offered through LPL Financial (LPL).
Special Annuity Program
If you are saving for retirement, nearing retirement, or living in retirement, an annuity can help. Annuities allow you to receive a steady income for your entire life, starting now or during retirement. Certain annuities even give you the option to grow your money first. With annuities you can manage, defer and reduce taxes.*** A death benefit payment also offers protection for your family.
Questions about your financial future? We're here to help.
401K & Pension Rollover Services
- When I retire or change jobs, what do I need to do to make sure my retirement plans are positioned for my future?
- What are the tax rules and ramifications associated with my retirement accounts?
IRA's
- What are the different types of IRAs and which one is right for me?
- Am I able to contribute to a plan while also adding to my retirement plan through my employer?
Tax Advantage Investing
- How can I proactively reduce taxes/seek to keep my taxes down by placing my money in the correct accounts?
- How can I make sure I reduce my taxes in retirement by saving money in the right places while I'm working?
Legacy Planning
- How do I proactively establish a plan to assure that my wealth is passed to the right people?
- How do I assure that my family receives the efficient transfer and use the funds for their benefits?
Education Planning
- What are the various vehicles to save for my children's or grandchildren's education in the future?
- How much money will I need to save or spend in the future based on the inflation in the cost of education over time?
Our experienced professionals are here to help you:
- Build your base by evaluating your insurance protection needs
- Accumulate assets for the future
- Save and invest for retirement
- Save and invest for education
- Manage wealth
- Create a retirement income
- Plan your legacy
Meet Your IRC Team
Meet Your IRC Team
Rick Whitmire, CRPC**
Vice President, Wealth Management
Benjamin Schleicher, CRPC**
Vice President, Wealth Management
486844-01-02
Important Disclaimers
* 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. American Heritage Credit Union and The American Heritage Investment & Retirement Center are not registered as a broker-dealer or investment advisor. Registered representative of LPL offer products and services using American Heritage Investment & Retirement Center, and may also be employees of American Heritage Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, American Heritage Credit Union or American Heritage Investment & Retirement Center. 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 |
The LPL Financial registered representative(s) associates 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.
**CRPC® is a registered service marks of the College for Financial Planning®.
***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. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
Your 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.