IRA

 If you’re planning your future retirement, you may choose to invest in a Alpha FinancialBank Individual Retirement Account (IRA). We offer Traditional and Roth IRAs that earn market rate of interest. Additional tax benefits may apply.

Fixed & Variable Annuities

With tax-deferred growth of earnings, annuities can give you a way to ensure a stream of income during or after retirement.

• Fixed annuities offer a guaranteed rate of income for a specified period of time. This simple option is a popular choice.
• Variable annuities invest in a range of investment options, typically mutual funds, and the value of the account varies, allowing for greater earnings. Other features of the variable annuity include a death benefit payable directly to your beneficiaries and optional living benefits that provide certain protections for payouts and withdrawals against losses.

Mutual Funds

Mutual funds offer a combination of opportunity and stability while investing in the financial markets.  Each investor owns shares, which represent a portion of the holdings of the fund.  We will help you choose from the available funds, each tailored to meet specific investment objectives and time horizons. 

Advisory Accounts

Advisory accounts can save you time and allow you the comfort of knowing a professional is managing your investments. The key difference between an advisory account and a traditional brokerage accounts is how you pay for the services – an advisory fee based upon the value of your account or a commission. Advisory accounts give you the opportunity to:

• Consult with a personal investment professional
• Receive advice on investments
• Buy and sell investments where an annual fee is charged, not commissions

As part of the advisory process, your financial advisor will work with you to determine the right asset allocation for your risk tolerance and investing timeframe, and will regularly monitor your account, re-balancing when necessary to maintain the proper allocations. Your advisor will also guide you through a four-step process for defining, developing, implementing and monitoring your personalized portfolio-management plan.

Stocks & Bonds

At United, you can also purchase stocks and bonds through one of our experienced financial advisors. We can help you choose between stocks, which represent an ownership interest in a corporation; or bonds, which are a fixed-income security that provides a return in the form of fixed periodic payments and the eventual return of principal at maturity.

Life Insurance

It’s something we all need, but never want to think about: Insurance. Alpha FinancialBank offers a number of personal insurance options and expert advice to provide peace of mind for today – and tomorrow:

• Life insurance protects your dependents in the case of death and the resulting loss of income, and includes both term and permanent options.
• Long-term care insurance reimburses you a daily amount for services to assist you with activities of daily living such as bathing, dressing and eating.  It also protects your nest egg and allows you to take control of your own health care decisions.
• Disability insurance can help you maintain your standard of living and provide financial security for your family with partial replacement of income until you can get back on your feet.

College Savings Plans

Choosing a College or University is one of the hardest decisions a person can make. Paying for that decision shouldn’t be. Alpha FinancialBrokerage Services, Inc., offers a variety of investment options to help you plan and save for college, whether it’s for you or a family member.

• 529 plans are one of the most popular ways of saving for secondary education. They are sponsored by a state or state agency where savings can be used for tuition, books, and other education-related expenses at most accredited two- and four-year colleges and universities, U.S. vocational-technical schools, and eligible foreign institutions. Any earnings grow federal income tax deferred and may also be eligible for state tax deductions. Distributions for qualified higher education expenses are federal income tax free.