Lifetime Investment Solutions
Financial Calculators
Worksite Presentations and Seminars
Order Savings Bonds and Securities
You and Your Credit Score
Insurance Products Available
Lifetime Investment Solutions
Confused about your financial options? You're not alone! Financial Planning, Retirement, Investments... so many options! Help is close at hand through the experts of Lifetime Investment Solutions! They will help you tailor your financial program to your own individual needs. Call Joel Jellesed at (541)461-4052 or write him an e-mail for more information.
Joel Jellesed, proprietor, is a registered representative specializing in business and personal need analysis and solution development. He is a well qualified professional that enjoys his work. The goal of Lifetime Solutions is to help you gain financial independence and peace of mind.
Lifetime Investment Solutions is in a unique position to contribute to
the financial success of our clients and our community - while taking
full advantage of superior back-office support, regulatory expertise
and oversight.
Technological support is provided by Linsco/Private Ledger, one of the nation's leading independent brokerage firms. These advantages are passed on to our clients in the form of better and more personalized service.
Choosing the right resources to manage your wealth is one of the most consequential decisions you will ever make. With increasing uncertainty in today's financial markets, these are times when you most need unbiased advice.
Financial Seminars
We periodically offer seminars at our downtown branch at 1075 Oak Street, in Eugene. There is no charge for attending, and you can park free in the lot behind the credit union. Space is limited to 25 attendees per seminar. Register by calling (541)461-4052 or e-mail Joel Jellesed, Lifetime Investment Solutions Financial Advisor.
Our Portfolio of Products and Services Includes:
Insurance and Financial Products:
- Life insurance
- Annuities
- Mutual Funds
- Stocks and Bonds
Funding for:
- Charitable Giving
- College Expenses
- Retirement Needs
- Estate Planning
Business Needs Funding:
- Employee Benefit Plans
- Executive Benefit Plans
- Deferred Compensation Plans
- Key Person Insurance
- 401 (K) Plans
- SIMPLE, SEPs/IRAs
Call Lifetime Investment Solutions Today!
(541)461-4052
or click here to
e-mail
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Financial Calculators
Our java financial calculators have dynamic graphs and create fully customizable reports. Give them a try!
Work Site Presentation Option
PCFCU can come to your work site
with presentations on:
- Financial Planning - whether you plan to buy a house,
fund a college education or your retirement, you will benefit
from the information presented by Joel Jellesed of Lifetime
Investment Solutions.
- How to Stick to a Budget - Get helpful tips on how to set
up a budget and live within it. The credit union has many services
to help you manage your money: periodic payments, bill payment service, and separate account names.
- Car Buying - Learn the answer to these and other questions about buying your next car:
- What does 'pre-approved' mean?
- What should I expect to happen when I walk into a dealership?
- What should I expect to pay over and above the wholesale cost?
- Can I refinance a new auto loan I just got?
- Financing Your First Home - How good does my credit need to be to buy a home? How do I know how much house I can afford? What's my monthly payment going to be? What out of pocket costs do I have to pay? We'll work with examples that you can understand and give you a Home Buyer's Handbook.
Order Savings Bonds or Securities Online
This site is the Federal Reserve's on-line outlet.
It allows you to buy, redeem and manage your
federal investments.
You and Your Credit Score
Any more, many organizations rely on your credit score
to determine whether you will be approved for a loan, offered a service, and may determine how much you will pay. Your credit score is a number that reflects your payment history, your credit history, how much you owe, and many other factors. It can be customized to the company that requests it - for instance, your score at an auto dealer's establishment may be somewhat different from the score you get at a mortgage broker's.
The typical credit score ranges from 500 to 850. Generally, the higher the score, the more confidence the organization has that the new debt or payment will be made, and will be made on time. The score is a product of your history. You can control it in several ways, by how you pay your bills, and how you use your credit.
It's a good idea to check your credit reports periodically, to check accuracy, and to guard against identity theft. You can get a free credit report every year, one from each of the major credit bureaus. For immediate results, click here, for www.annualcreditreport.com. If you'd rather request them by phone, call 1(877)322-8228. You will go through a verification process over the phone, then your reports will be mailed to you. The free credit reports will not include your credit score, but will include the information that goes into it, so it's best to make sure it's correct!
For more complete information about your score, click on this link to My Fico, a division of fairisaac. You'll find booklets that you can view or print with thorough and easy to understand explanations of credit scoring, what it means to you, and how you can improve it.
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Insurance Products available through PCFCU and Cuna Mutual
This website offers to our members Life and Disability Insurance coverage as well as many other helpful resources like calculators, retirement planning strategies, education investments, asset protection and much more.
