Investment Products and Services

 Our services and strategies include:

• Retirement planning
• Business strategies
• Investment planning
• Small business strategies
• Estate planning
• Insurance
• Education planning
• Risk management
• Tax strategies
• Gifting strategies

Whether you’re a seasoned saver and investor or just getting started, we’re ready to help you.

 Check the background of investment professionals       associated with this site on FINRA's BrokerCheck.

There is no guarantee that an investment strategy will yield positive outcomes. Investing involves risk, including loss of principal.

Client-Focused Wealth Management

AAACU and Investment Services focus on you and the unique set of financial circumstances you and your family face. Getting to know you and understanding your personal needs allows us to create a customized wealth management strategy aligned with your short- and long-term objectives. By building a lasting, personal relationship with you, we’re able to help you anticipate needs and plan for the future.

Strategies for Your Wealth Management Needs

We help you create a personalized financial strategy based on your lifestyle goals. Using our discovery process, we work with you to build an appropriate plan that supports your objectives, and then monitor it to help you stay on track.

Our Approach to Your Personalized Plan

We use a client-centric process focused on pursuing specific milestones we create together. Our comprehensive, three-step planning process is designed to help identify your needs, implement your strategy, and monitor it to help you stay on course.

1. Assessing Your Needs and Finances

We begin by asking you to complete a confidential personal profile that will help us gain a deep understanding of your current financial situation and goals.

2. Preparing Your Plan

 We provide a detailed analysis of your finances, develop a variety of customized strategies, and offer recommendations to address your future needs.

3. Implementing and Monitoring Your Strategy

Once you select the best approach, we put your personalized plan into action. We then consistently communicate with you, carefully monitoring your portfolio and adjusting when necessary.

                  Meet Your Advisor              Contact Us

AAACU and Investment Services are supported by the resources of LPL Financial, the nation’s largest independent broker/dealer.*  This relationship provides us with thorough research and a comprehensive array of tools, resources and technology. Because LPL Financial has no proprietary products to sell, we have the freedom to offer you thoughtful financial guidance and investment recommendations.

*As reported by Financial Planning magazine, June 1996-2023, based on total revenue.

We invite you to call AAACU Investment Services at 989-354-1697 and ask for Gary Altman, LPL Financial Advisor, to schedule a consultation and discover how we can help you pursue your financial goals.

The LPL Financial registered representative associated with this website may discuss/and or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any residents of any other state.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates.  Alpena Alcona Area Credit Union and AAACU Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using AAACU Investment Services, and may also be employees of Alpena Alcona Area Credit Union.  These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Alpena Alcona Area Credit Union or AAACU Investment Services. Securities and insurance offered through LPL, or its affiliates are:

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.