Managing Your Investments And Your Future

Planning and saving for your future requires patience and attention…and often the help of someone you know. That’s why working with a financial professional at NIHFCU Wealth Advisors in this increasingly complex environment makes sense. Your unique needs are put first by someone dedicated to making your financial planning and investing experience both rewarding and satisfying.

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Find Appropriate Investment Options*

There’s never a better time to start saving for the future than now. And with a number of different investment options, you can find a better path for you.

IRAS
An IRA, or individual retirement account, is like a home for your investments – it can hold stocks, mutual funds, and more – that makes it easy to manage your money, with options to contribute either pre-tax or after-tax dollars.

Mutual Funds
Whether you’re looking for low-risk and conservative growth, or high-risk, high reward potential, the right combination of mutual funds can help you invest your money in a way that may guide you to your goals. They’re professionally managed and stick to the investment strategy of your choosing.

Managed Accounts
Managed accounts are portfolios maintained by professional investment managers. They come in several structures depending on your preferences, with some focused on generating income and others on growth.

Stocks and Bonds
When you buy stock, or shares, you own part of a company. With bonds, you’re loaning money to a company or gov’t entity that will be pay it back with interest. Both offer the opportunity to diversify your investing portfolio with an eye towards the future, whether they’re conservative or aggressive.
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Expectant couple saving for future child
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Preparing For the Future

With a professionally managed portfolio, you can match your financial planning needs to an appropriate investment.

Saving Money for Retirement
Consistent savings over time, with the right long-term investments can help your money seek growth to last through retirement.

Living in Retirement
There’s more to retirement than just your savings. The best retirement is about getting the most out of your Social Security, and understanding your options with any potential pension plans, 401(k) plans and IRAs.

Saving for College
As costs rise, smart financial planning for higher education becomes more important. With early saving, you can get ahead of tuition and fees, and reduce the need for student loans.
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Insuring What You Have

You can help protect those you love with the right coverage for where you are in your life.

Life Insurance
Whether a whole life insurance or term life insurance policy is the best fit for you, you can have peace of mind knowing that the people you love most will be taken care of.

Long-term Care
An options that can help guard your savings and assets in the long run, long term care gives you the funds to pay for care expenses that would otherwise be coming out of your pocket.

Annuities
Annuities are contracts with an insurance company that safeguard you against potentially outliving your assets. There are options from a Fixed, Variable, Indexed or Single Premium annuity, that depend on your goals, level of risk and income.
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Family focused on home improvement with NIHFCU Home Equity Loan
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Work With Someone You Know!

Helping you pursue your financial goals is our honor and highest priority. Starting with your specific needs, experience and time horizon, you can begin working toward your long and short-term objectives.  Regardless of where you are in life, we have access to tools and financial products that, along with your collaboration, we can combine into an appropriate assessment for you. It’s easy to get started. Please contact us today!

HOPE E. MADSEN

Registered Representative, LPL Financial

  • Call me at 301-296-0678

  • Send me an email

  • Located at the Nat’l Institutes of Health, 9000 Rockville Pike, Bldg. 31, Bethesda, MD 20892 (by appointment only) get directions

DAN M. CAMPANELLI

CFS® CRPC®, conferred by College for Financial Planning, CFP® Vice President – Wealth Management

  • Call me at 732-594-3514

  • Send me an email

  • Located at the Nat’l Institutes of Health, 9000 Rockville Pike Bldg. 31, Bethesda, MD 20892 (by appointment only) get directions

CA Insurance License #: 4111171
Budgeting with NIHFCU on Computer
* All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
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. NIH Federal Credit Union and NIHFCU Wealth Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using NIHFCU Wealth Advisors, and may also be employees of NIH Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NIH Federal Credit Union or NIHFCU Wealth Advisors. Securities and insurance offered through LPL or its affiliates are:
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 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
Not Insured by NCUA or Any other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
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.
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.
LPL Financial Form CRS