Investments and Retirement
Whether it be the career you’ve worked so hard at, or the time you spend with your family, getting the most out of life requires you to make smart decisions about your financial future. And that’s why we offer a range of investment and retirement services. Advisors are securities licensed in CA, NC, SC, TX, VA and WV.
Advisors
IRAs

Advisors

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Investment Services
Welcome to Alliance Credit Union’s Investment Services* offered through CUSO Financial Services L.P. Our Investment Advisors* are focused on your investment needs and helping you make smart financial decisions, no matter what the goal.

Quang Phan,
Investment Advisor

California
      
Denis J. Ingalls,
Investment Advisor

North Carolina

Some of the services with which our Investment Advisors can assist:
  • Financial planning
  • Retirement planning and retirement plan rollovers
  • 401(k) investment consultation
  • Estate planning
  • Mutual funds
  • Brokerage services
  • Insurance
  • College education planning
  • Individual Retirement Accounts (IRA)
Wealth News As an Alliance Credit Union member, access to our Investment Advisors' expertise is complimentary. You do not pay for their time or advice. So, what are you waiting for? Make an appointment today!

Quang Phan
California
CurtnerMondays, Wednesdays & Fridays
Blossom ValleyTuesdays
SunnyvaleThursdays
Saturday by appointment
Contact Quang Phan408.979.2478
 
Denis J. Ingalls
North Carolina
RacineTuesdays
Glen MeadeWednesdays
RacineThursdays & Fridays
Saturday by appointment
Contact Denis Ingalls910.793.2232

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Alliance Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
IRAs
It’s quick, it’s easy, and there’s no time like today to start saving for retirement. To learn more about IRAs or to open an IRA online, please visit our IRA Service Center. If you would like to talk to someone about opening an IRA, you can always give us a call at 800.232.8669 or stop by any Alliance financial center.

It’s a well-known fact that IRAs are one of the best savings tools available today. More people than ever before are now eligible to benefit from the saving and tax advantages1 provided through IRA investments.

Alliance Credit Union offers three types of IRAs: Traditional, Roth, and Coverdell Education Savings Accounts.

Traditional IRA
A Traditional IRA is an individual savings plan. Contributions are allowed up to a specified limit with the contribution generally being tax deductible1. Anyone under age 70 who has earned income, or is filing jointly with a spouse who has earned income, may contribute. Money invested in (and earned from) a traditional IRA is subject to income taxes at the time of withdrawal. Withdrawals can be made without penalty at age 59 ½. Withdrawals must begin no later than age 70 ½.

This IRA allows up to $5,000 in contributions for the current tax year. In addition, a $1,000 annual catch-up contribution may apply to those individuals who attain age 50 before the end of the taxable year.

Roth IRA
A Roth IRA is also an individual savings plan. Contributions can be made up to a specified limit like a traditional IRA but on a non tax-deductible basis. However, all withdrawals, including earnings, are generally tax fee if the account has been open for at least five years and the account holder is 59 ½ or older. Unlike a traditional IRA, contributions to a Roth IRA can continue at and past age 70 ½.

Coverdell Education Savings Accounts
This account allows you to save for elementary and secondary education, in addition to higher education expenses, by investing up to $2,000 per year per child under the age of 18. Contributions are not tax deductible, but earnings grow tax free.

Visit the IRA Service Center to learn more about IRAs, open a new IRA, or service an existing account.

You may choose either an IRA Share Account or IRA Share Certificate. Both offer competitive rates and no annual maintenance fees. IRAs with Alliance Credit Union are federally insured up to $250,000 separately from your other accounts by the NCUA.

[1] Be sure to consult your tax advisor regarding the advantages, disadvantages and limitations of various IRAs as they relate to your tax situation.
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