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 Western International Securities.
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 Trevor or Mike 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 Western International Securities, Inc, 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 Western International Securities. Glendale Area Schools Credit Union has contracted with Western International Securities to make non-deposit investment products and services available to its members.
Registered representatives of Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities *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. Western International Securities 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 Western International Securities, Inc’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 Advisors, Trevor Kleineahlbrandt or Michael Hefner, can help you, they 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 Trevor or Mike 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 Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities *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. Western International Securities does not offer tax advice.
View Western International Securities, Inc’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 Trevor Kleineahlbrandt or Michael Hefner our Financial Advisors, 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 Trevor or Mike 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 Western International Securities, Inc, 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 Western International Securities. Glendale Area Schools Credit Union has contracted with Western International Securities to make non-deposit investment products and services available to its members.
- Registered representatives of Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities *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. Western International Securities does not offer tax advice.
View Western International Securities, Inc’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 Advisors, Trevor Kleineahlbrandt or Michael Hefner, can help you, they are 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 Trevor or Mike 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 Trevor or Mike today to schedule a free, no-obligation appointment:
Non-deposit investment products and services offered through Western International Securities, Inc, 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 Western International Securities. Glendale Area Schools Credit Union has contracted with Western International Securities to make non-deposit investment products and services available to its members.
Registered representatives of Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities *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. Western International Securities does not offer tax advice.
View Western International Securities, Inc’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 Advisors, Trevor Kleineahlbrandt or Michael Hefner, 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 Western International Securities, Inc, 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 Western International Securities. Glendale Area Schools Credit Union has contracted with Western International Securities to make non-deposit investment products and services available to its members.
- Registered representatives of Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities *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. Western International Securities does not offer tax advice.
View Western International Securities, Inc’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 Trevor Kleineahlbrandt or Michael Hefner, our Financial Advisors 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 Trevor or Mike 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 Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities*Are not insured *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. Western International Securities 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 Western International Securities, Inc’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 Advisors, Trevor Kleineahlbrandt or Michael Hefner, 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 Trevor or Mike 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 Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities*Are not insured *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. Western International Securities 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 Western International Securities, Inc’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 Western International Securities.
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 Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities*Are not insured *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. Western International Securities 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 Western International Securities, Inc’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 Advisors, Trevor Kleineahlbrandt or Michael Hefner, 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 Trevor or Mike 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 Western International Securities, Inc, member FINRA/SIPC. Western International Securities 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 Western International Securities*Are not insured *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. Western International Securities 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.