Landmark Credit Union’s IRA & Investment Options

The world is changing faster than ever. Inflation, geopolitical tensions, and market volatility have left many wondering how to protect and grow their wealth. If you’re looking for a trusted partner to help you navigate these challenges, Landmark Credit Union offers a range of IRA and investment options designed to secure your financial future—no matter what the global economy throws your way.

Why Investing with Landmark Credit Union Makes Sense

In an era where big banks prioritize profits over people, credit unions like Landmark stand out. As a member-owned financial cooperative, Landmark Credit Union is committed to helping you achieve your long-term financial goals with personalized service, competitive rates, and low fees.

The Power of IRAs in Today’s Economy

Individual Retirement Accounts (IRAs) remain one of the most effective tools for building wealth over time. With tax advantages that can save you thousands, IRAs are a smart choice whether you’re just starting your career or nearing retirement.

Traditional IRA: Tax-Deferred Growth for Long-Term Stability

• Tax Deductible Contributions – Reduce your taxable income now.
• Tax-Deferred Earnings – Your investments grow without annual tax drag.
• Ideal for Those Expecting Lower Taxes in Retirement

Roth IRA: Tax-Free Withdrawals for Future Flexibility

• Pay Taxes Now, Withdraw Tax-Free Later – Perfect for younger investors or those anticipating higher future tax rates.
• No Required Minimum Distributions (RMDs) – Keep your money growing as long as you want.
• Emergency Fund Backup – Contributions (not earnings) can be withdrawn penalty-free.

Beyond IRAs: Diversified Investment Strategies

While IRAs are a cornerstone of retirement planning, diversification is key to weathering economic storms. Landmark Credit Union provides multiple investment avenues to help you build a resilient portfolio.

Certificates of Deposit (CDs): Safety in a Volatile Market

With interest rates fluctuating, CDs offer a secure way to earn steady returns. Landmark’s CD options include:
- Short-Term (3-12 months) – For those needing liquidity soon.
- Long-Term (3-5 years) – Higher yields for patient investors.
- Bump-Up CDs – Flexibility to increase rates if market conditions improve.

Mutual Funds & ETFs: Growth Potential for Every Risk Tolerance

Whether you prefer conservative bonds or aggressive stocks, Landmark offers professionally managed funds to match your strategy:
- Index Funds – Low-cost exposure to broad market performance.
- Sector-Specific ETFs – Target high-growth industries like tech or renewable energy.
- ESG Investing – Align your portfolio with your values by supporting sustainable companies.

Financial Planning Services: Expert Guidance for Uncertain Times

The world doesn’t come with a roadmap—but a certified financial planner can help. Landmark’s advisors provide:
- Retirement Projections – Will your savings last?
- Tax Optimization Strategies – Keep more of what you earn.
- Estate Planning – Ensure your legacy is protected.

How Geopolitical Risks & Inflation Impact Your Investments

From supply chain disruptions to rising interest rates, global instability affects every investor. Here’s how Landmark’s options can help:

Inflation-Proofing Your Portfolio

• Treasury Inflation-Protected Securities (TIPS) – Adjust with inflation.
• Real Estate & Commodity Funds – Tangible assets tend to hold value.
• Dividend Stocks – Generate passive income that outpaces inflation.

Hedging Against Market Volatility

• Dollar-Cost Averaging – Invest consistently to smooth out market swings.
• Balanced Funds – Mix of stocks and bonds for steady growth.
• Laddered CDs – Stagger maturities to reinvest at higher rates.

Getting Started with Landmark Credit Union

Whether you’re opening your first IRA or rebalancing an existing portfolio, Landmark makes it easy:
1. Schedule a Consultation – Free, no-obligation advice.
2. Choose Your Accounts – IRA, brokerage, or both.
3. Automate Contributions – Set it and forget it.
4. Monitor & Adjust – Regular check-ins to stay on track.

In a world full of uncertainty, taking control of your financial future has never been more important. Landmark Credit Union’s IRA and investment options provide the tools, expertise, and security you need to thrive—no matter what lies ahead.