Our vision at Glendale Area Schools Credit Union is to provide our members superior financial solutions, comprehensive products and an unparalleled service experience.

The trusted partnership you have with Glendale Area Schools Credit Union extends to Glendale Area Wealth Management and Insurance Service Center, through our broker dealer INVEST Financial.

Whether you’re looking for overall financial guidance, assistance with a specific financial goal, creating a comprehensive financial plan or just get a second opinion, we’re here to help.

Services include:

Reviewing Your Current Financial Plan
Retirement Planning
IRA, 401(k), 403(b), 457 plans, and TSP Rollovers
Tax Efficient Investments
Retirement Income Strategies
Education Funding
Life and Long Term Care Insurance

To learn more about creating a financial P.L.A.N., contact Dominick today to schedule a free, no-obligation appointment:

Call 818.658.2360 to speak with a Financial Advisor
Visit your local branch

Non-deposit investment products and services offered through INVEST Financial Corporation, a registered-broker dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered: are not insured by American Share Insurance (ASI) or any state agency or federally insured, and are not guarantees or obligations of the Credit Union, not deposits of and may involve investment risk including possible loss of principal. Investment Representatives are registered through INVEST. Glendale Area Schools Credit Union has contracted with INVEST to make non-deposit investment products and services available to its members.

Registered representatives of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are not affiliated with other entities named. Products and services offered through INVEST *Are not insured by any government agency *are not guaranteed by any Credit Union * may lose value. Not a deposit.

This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, or tax advice. You may wish to consult an attorney, tax advisor, or accountant regarding your specific situation. No representations are made as to the accuracy of the information contained herein or any information contained in any link provided herein. INVEST does not offer tax advice.

Important Consumer Information:
This site is for informational purposes only and is not intended to be a solicitation or offering of any security and;
1. Representatives of a broker-dealer (“BD”) or investment advisor (“IA”) may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, the state; or (b) are excluded or exempted from the state’s licensure requirements.
2. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve (a) affecting, or attempting to affect, transactions in securities; or (b) rendering personalized investment advice for compensation.

View INVEST Financial Corporation’s Privacy Policy

Consolidating Retirement Accounts

In or nearing retirement, everyone should begin to look closely at their Wealth Management. If you have an IRA, 401-k and/or pension plans scattered all over, you may want consider consolidating your accounts. At Glendale Area Wealth Management our Financial Advisor, Dominick Divine II, can help you, he is here to answer all your questions and possibly find ways to:

Potentially save money on annual fees
Create opportunities to allocate, diversify, and rebalance in one portfolio
Offer valuable estate planning features
Simplify required minimum distributions
Provide access to one easy consolidated statement

To learn more about consolidating retirement accounts, contact Dominick today to schedule a free, no-obligation appointment:

Call 818.658.2360 to speak with a Financial Advisor
Visit your local branch

View INVEST Financial Corporation’s Privacy Policy

Creating a Financial P.L.A.N.

The road to financial freedom can be short and sweet for those who follow a road map or a long and daunting path for those who fail to make a plan. Let Dominick Divine II our Financial Advisor, help you take the first steps toward building a confident financial future, by creating a road map to your financial freedom, and designing a P.L.A.N.

How to Create a Financial P.L.A.N.

Pay yourself first

Promise yourself to take advantage of your employer’s retirement plan, whether it’s a 401(k), a 403(b), or any other kind of contributory plan.
Consider Dollar Cost Averaging, instead of investing assets in a lump sum, this may help to spreads the cost basis out over several years, possibly providing insulation against changes in market price.

Dollar cost averaging does not assure a profit nor protect against loss in a declining market. It involves continuous investments in securities regardless of fluctuating price levels of such securities. Investors should consider their financial ability to continue their purchases through periods of low price levels.

Live within your means

Promise to pay off your credit cards. Credit card debt is the number one reason most people can’t get ahead, paying the minimum balance due on a $10,000 balance with an 11% interest rate could take 20 years to pay off.
It’s often more rewarding to save for something vs. putting it on the card and getting stuck with payments each month. If you can’t afford it, think twice about buying it.
Financial fitness is a commitment, a lifestyle, similar to going to the gym and eating right.

Assure your families stability

Write or update your will. Wills are not just for the rich. Regardless of how much or how little money you have, a will ensures that whatever personal belongings and assets you have will go to beneficiaries you designate.
If you have children, a will allows you to appoint a guardian for them in the event of your death.
Life events such as buying a home or having a child could change the amount of coverage a family needs, work with financial professional to assess the amount of coverage you and your family may need.

Never stop learning

Write down your financial goals, this is your road map to financial freedom. The road can be short and sweet for those who plan and who follow a road map or it can be a long and daunting path for those who fail to make a plan.
Working with a financial advisor can keep your up to date with new investment opportunities available to you and your family.
Regular reviews can help keep your investment choices on pace with you and your needs based on risk tolerance and time horizon.

To learn more about creating a financial P.L.A.N., contact Dominick today to schedule a free, no-obligation appointment:

Call 818.658.2360 to speak with a Financial Advisor
Visit your local branch
Non-deposit investment products and services offered through INVEST Financial Corporation, a registered-broker dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered: are not insured by American Share Insurance (ASI) or any state agency or federally insured, and are not guarantees or obligations of the Credit Union, not deposits of and may involve investment risk including possible loss of principal.Investment Representatives are registered through INVEST. Glendale Area Schools Credit Union has contracted with INVEST to make non-deposit investment products and services available to its members.
Registered representatives of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are not affiliated with other entities named. Products and services offered through INVEST *Are not insured by any government agency *are not guaranteed by any Credit Union * may lose value. Not a deposit.
This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, or tax advice. You may wish to consult an attorney, tax advisor, or accountant regarding your specific situation. No representations are made as to the accuracy of the information contained herein or any information contained in any link provided herein. INVEST does not offer tax advice.

View INVEST Financial Corporation’s Privacy Policy

Estate Planning

Estate planning can be a crucial part of financial planning. You have to think not only about your goals today, but also for future generations. Once you have planned retirement and invested wisely, it’s time to focus on how your assets will be managed after your death.

At Glendale Area Wealth Management our Financial Advisor, Dominick Divine II, can help you, he is here to answer all your questions about funding your estate plan so you can feel confident your assets are distributed the way you desire.

Whether your estate is large or small, there are many issues to consider in creating an estate plan, let Dominick help you uncover:

What are your assets and their approximate value?
Where will your assets go when you pass away? Who will take care of your finances when you are no longer able to do so?
Who should be responsible for taking care of your minor children if you become unable to care for them yourself?
Who should make decisions on your behalf you become unable to care for yourself?
What do you want done with your remains after you die?

To learn more about estate planning and protecting your family’s assets, contact Dominick today to schedule a free, no-obligation appointment:

View INVEST Financial Corporation’s Privacy Policy

Income Strategies in Retirement

Millions of Americans in retirement may be scrambling to find ways to make ends meet without the income from a full-time job in an effort to recover from recent market volatility.

Fortunately, there are several possible solutions available for those looking to increase their income during their non-working years. At Glendale Area Wealth Management, our Financial Advisor, Dominick Divine II, can help you overcome several retirement income challenges and create a predictable income stream by:

Designing a retirement plan
Uncovering your basic expenses and discretionary expenses
Evaluating current sources of retirement income
Identifying potential gaps between income and expenses
Anticipating fixed and discretionary expenses in retirement
Positioning assets to generate income
Uncovering new sources of income
Non-deposit investment products and services offered through INVEST Financial Corporation, a registered-broker dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered: are not insured by American Share Insurance (ASI) or any state agency or federally insured, and are not guarantees or obligations of the Credit Union, not deposits of and may involve investment risk including possible loss of principal.Investment Representatives are registered through INVEST. Glendale Area Schools Credit Union has contracted with INVEST to make non-deposit investment products and services available to its members.
Registered representatives of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are not affiliated with other entities named. Products and services offered through INVEST *Are not insured by any government agency *are not guaranteed by any Credit Union * may lose value. Not a deposit.
This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, or tax advice. You may wish to consult an attorney, tax advisor, or accountant regarding your specific situation. No representations are made as to the accuracy of the information contained herein or any information contained in any link provided herein. INVEST does not offer tax advice.

View INVEST Financial Corporation’s Privacy Policy

Life Insurance

Has your insurance kept up with the changes in your life? If you’re like most people, you probably already own some life insurance…through your employer or insurance you’ve purchased on your own. But it is still enough to cover all your needs? Have you thought about Long Term Care Insurance and Disability insurance to cover you in case you’re sick or hurt and can’t work?

This may sound like its all gloom and doom, but it just takes a few minutes to uncover if you and those you love have enough coverage, let Dominick divine II, our Financial Advisor at Glendale Area Wealth Management help to ensure your family is protected:

Personal Needs:

Death before loan/debt repayment can be finished
Spouse outliving a life only pension plan
Death before reaching personal goals the client wants funded
Retirement funding for spouse, child’s education
Tax-free income
Disability Insurance
Long-Term-Care Insurance

Family Needs:

Death of a primary income earner
Final expenses
Dependent income
Education
Family goals
Support of parents
Wealth transfer/preservation

Business Needs:

Death of a partner or co-shareholder
Death of a key employee
Loss of a key employee to a competitor
Illiquidity of the business in the event of an owner’s death
Special situations (e.g. stock repurchases, fund retirement benefits)

To learn more about life insurance and protecting your family, contact Dominick today to schedule a free, no-obligation appointment:

Call 818.658.2360 to speak with a Financial Advisor
Visit your local branch

Registered representatives of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are not affiliated with other entities named. Products and services offered through INVEST*Are not insured *are not guaranteed by any Credit Union * may lose value. Not a deposit.

View INVEST Financial Corporation’s Privacy Policy

Retirement Planning

Many of us look forward to the day when we’ll be spending time with the Grandkids and not time sitting in traffic on the way to the office. However, retirement does not simply begin at 65; it’s a journey that begins today.

At Glendale Area Wealth Management, our Financial Advisor, Dominick Divine II, will meet with you to uncover your needs and long-term goals, and then build a complimentary financial plan, that will help you to uncover:

Which investment strategy is appropriate for you, your family, and your future
Review the investment vehicles used to build a retirement nest egg
Discuss risk assessment, time horizon and review various asset allocation models
Help you understand the ups-and-downs of the market and how they may affect your long and short-term goals

To learn more about retirement planning, contact Dominick today to schedule a free, no-obligation appointment:

Call 818.658.2360 to speak with a Financial Advisor
Visit your local branch

Registered representatives of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are not affiliated with other entities named. Products and services offered through INVEST*Are not insured *are not guaranteed by any Credit Union * may lose value. Not a deposit.

View INVEST Financial Corporation’s Privacy Policy

Meet Your Advisor

As a member of Glendale Area Schools Credit Union you have access to a Financial Advisor available through our broker-dealer INVEST Financial.

In today’s market, it’s essential to work with a Financial Advisor who can provide you insight and guidance based on an understanding of your unique situation.

Whether it’s developing sound solutions for your retirement or for small business retirement plans, our Advisor is here to:

Listen to your financial needs
Provide impartial advice to help you make informed decisions
Be dependable and responsive

If you would like to learn more about these services, feel free to call 818.658.2360 or stop by your local branch to schedule an appointment.

Registered representatives of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are not affiliated with other entities named. Products and services offered through INVEST*Are not insured *are not guaranteed by any Credit Union * may lose value. Not a deposit.

View INVEST Financial Corporation’s Privacy Policy

Saving for College

Whether they want to grow up to be a farmer or a firefighter, as parents and grandparents we want to support them and their dreams, as best we can.

Glendale Area Wealth Management and our Financial Advisor, Dominick divine II, can help you; help your children and grandchildren by:

Discussing the different plans available and uncovering what’s best for your family:

529 Plans**
Coverdell Education Savings Accounts
UGMA & UTMA Custodial Accounts for Minors

Answer frequently asked questions by Grandparents

Will Medicaid count my Grandchild’s 529 plans as a part of my assets?
Can I access the money in the event of an emergency?
Can a 529 plan affect my grandchild’s chance of receiving Financial Aid?

To learn more about higher education planning needs, contact Dominick today to schedule a free, no-obligation appointment:

Call 818.658.2360 to speak with a Financial Advisor
Visit your local branch

Registered representatives of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services, and certain insurance products and are not affiliated with other entities named. Products and services offered through INVEST*Are not insured *are not guaranteed by any Credit Union * may lose value. Not a deposit.

View INVEST Financial Corporation’s Privacy Policy