CONTACT US
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Richia Allen
Financial Advisor
WCCU Wealth Managemet
Located at Westerly Community Credit Union
122 Granite Street, Westerly, RI 02891
Phone: 401-637-4487
Email: richia.allen@lpl.com
You’ve worked hard to become a high-earning millennial, and to stay there, you continue to do so. Sadly, working long hours may keep you from planning for your financially secure future, but that would be a mistake.
How can you avoid financial mistakes? Recognize that you cannot do it all, so seek professional guidance.
Tax allocation of your retirement assets— Consider how much income tax you’ll pay in retirement when choosing where to invest now. Investigate Roth and traditional 401(k) plans and IRAs if you qualify. You may want to consider taxable investments once you’ve maxed out qualified retirement investments.
Charitable giving— When it comes to charitable giving, consider potentially tax-saving strategies such as donor-advised funds or bunching charitable donations into one year for tax purposes.
Insurance strategies— Carrying adequate insurance on your home, car, valuables, and loved ones can provide comfort in knowing your family is protected. Life insurance may also avail you of future tax-free funds for medical care and help facilitate charitable giving.
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Richia Allen is a financial advisor with, and 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. Westerly Community Credit Union and WCCU Wealth Management are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using WCCU Wealth Management, and may also be employees of Westerly Community Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of, Westerly Community Credit Union or WCCU Wealth Management. Securities and insurance offered through LPL or its affiliates are:
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