Jax Federal Investment Services

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Jax Federal Investment Services can be your partner as you plan your financial dreams – from saving for college to planning retirement. By forming a relationship with us, we’ll discover where you want to go and how you want to get there.

Our recommendations are aimed at benefiting you first and foremost, and we promise you’ll always learn something about the financial world and how it impacts you. And, because Jax Federal Investment Services is owned and managed by Jax Federal, you can be sure the service that you receive will reflect the same quality you expect from the credit union.

Download Our White Paper: Working with an LPL Financial Advisor: The Choice Between Advisory Services and Brokerage Services

Investment Services

  • Retirement, Education, and Estate Planning: Long-term strategies to help you pursue financial goals
  • Fee-Based Asset Management
  • Risk Management: Seeking growth with an emphasis on preserving capital
  • 401(k) Advising: Work toward maximizing investments inside your company plan
  • Life Insurance Review: Policies reviewed for fit and affordability
  • Fixed Income Investments: Bond portfolios built to your specifications
  • Mutual Funds, Stocks, and IRAs
  • Term & Permanent Life Insurance
  • Long-Term Care

Meet Our Team

T. Vance Walker, AWMA

T. Vance Walker, AWMA

LPL Financial Advisor, Director of Investment Services

Vance Walker is a graduate of Presbyterian College, and began his professional career in the financial services industry as an Intern at PaineWebber in 1996. Prior to becoming the Director of Investment Services of Jax Federal Credit Union in 2005, Vance was a Financial Advisor with UBS and Wachovia Securities.

Thomas Langer

Thomas Langer

LPL Financial Advisor

Thomas joins Jax Federal Credit Union after a little over five years in the retail banking and investment advisory divisions for Wells Fargo and Fifth Third Bank. A graduate of the University of South Carolina, and enjoys spending time on the beach with his wife, Laura.

Susie Clauson

Susie Clauson

Investment Services Coordinator

Susie Clauson is a graduate of Lewis University with a degree in project management. She has a broad background working on projects for municipal and international companies.

Frequently Asked Questions

Do I have to be a member of Jax Federal to have an account with Jax Federal Investment Services?

No, you do not have to be a member of Jax Federal.

How do I make an appointment?

All appointments are scheduled by Susie. You may call her at (904) 475-8077 or email atsusie.clauson@lpl.com. You may also use the Contact Us form located on our website.

Do you accept walk-ins?

We prefer to meet by appointment in order to provide the best possible service.

Is there a fee to meet with Jax Federal Investment Services?

There is no fee to meet with us. However, depending on which investment strategies we implement, there will be fees associated.

Can my Jax Federal Investment Services account be associated with my Jax Federal member number?

By law, banking and investments must remain as separate entities.

What do I need to get started?

First, we need to meet face to face to discuss risk tolerance and overall investment goals. Assuming this first meeting goes well, the next step is to open an account.

Can you manage my 401(k) even though it’s somewhere else?

We can certainly advise you on your existing 401(k), but usually that account cannot be moved unless there is a separation of employment. Conversely, 401(k) accounts with old employers are able to be moved, and we could manage them.

What makes you different?

This is truly the million dollar question. We speak to you in language that you understand, while also providing non-biased financial advice in a concise manner. If you appreciate honesty and authenticity, that is our specialty.

How will I know how my money’s performing?

You will receive monthly statements, quarterly performance monitors, and have free online access to view your accounts at your convenience.

What if I’m not happy with the way my money is performing?

You may schedule an appointment to review your account at your request. Furthermore, should you choose to leave us, you can transfer at any time. We use investment vehicles that provide flexibility, because we believe that people should have access to their money at all times.

If I have money with another advisor, can you represent me, too?

Yes. Many of our clients have money with several advisors. Our ultimate goal is to help you with all of your investment dollars, but if you have a solid existing relationship with another advisor, we are happy to complement that with our advice.

Glossary of Investment Services Terms

401(k) retirement savings plan – Allows a worker to save for retirement with tax benefits, usually employer-sponsored and managed.

529 College Savings Plan – A tax free account that offers many investment options to save money for a private or public education and undergraduate or graduate education. Prior to investing in a 529 College Savings Plan, investors should consider whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

Annuity – A financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time. Annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.

Bear Market – A market condition in which the prices of securities are falling. Widespread pessimism causes investors to anticipate losses and therefore they sell their securities.

Bull Market – A financial market of a group of securities in which prices are rising or are expected to rise. The term “bull market” is most often used to refer to the stock market, but can be applied to anything that is traded. Bull markets are characterized by optimism, investor confidence and expectations that strong results will continue.

Bond – A debt investment in which an investor loans money to an entity that borrow the funds for a defined period of time at a fixed rate of interest. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. There are 3 categories of bonds:

Corporate – A debt security issued by a corporation and sold to investors, considered higher risk than government bonds.

Municipal – A debt security issued by a state, municipality or county to finance its capital expenditures (construction of highways, bridges, schools), exempt from federal taxes and from most state and local taxes.

US Treasury – A marketable, fixed-interest US government debt security with a maturity of more than 10 years, make interest payments semi-annually and the income that holders receive is only taxed at the federal level.

Certificates of Deposit – A savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified fixed interest rate if held to maturity and can be issued in any denomination. CDs are issued by banks/credit unions and are insured by the FDIC/NCUA. The term of a CD generally ranges from one month to five years. It restricts holders from withdrawing funds on demand. It is still possible to withdraw the money, but this often results in a penalty.

Dow Jones Industrial Average (DJIA) – Compromised of 30 stocks that are major factors in their industries and widely held by individuals and institutional investors. Often referred to as “the Dow”, it is the oldest and single most watched index in the world. When TV networks say “the market is up today”, they are generally referring to the Dow.

Education Planning – The act of determining how much money is needed for a child or grandchild to obtain their education and the decisions on how to get there.

Estate Planning – The managing of a person’s assets that will protect their heirs in the event of incapacitation or death.

Fixed Income Investments – Instruments that yield a regular or fixed return, such as a bond.

Individual Retirement Accounts (IRAs) –Investing tools used by individuals to earn money for retirement savings.

Large Cap – Big company stocks such as Wal-Mart, Microsoft, and General Electric.

Money Market – Guaranteed investments designed for people who don’t want to risk any money.

Mutual Fund – Investment vehicles that are made up of a pool of funds collected from many investors for the purpose of investing in stocks, bonds, and other investment vehicles. Investing in mutual funds involves risk, including possible loss of principal.

Retirement Planning – The act of determining how much money is needed for life after paid work ends and the decisions on how to get there.

Share Class – A designation applied to a specified type of security such as common stock or mutual fund units. Companies that have more than one class of common stock usually identify a given class with alphabetic markers, such as “Class A” shares and “Class B” shares. Different share classes within the same entity typically grant different rights on their owners.

Small Cap – Small company stocks

Standard & Poor’s 500 (S&P 500) – A capitalization weighted index of 500 stocks chosen for market size, liquidity and industry grouping, among other factors. They are designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. The S&P 500 is designed to be a leading indicator of US equities and is meant to reflect the risk/return of the large-cap universe.

Stock – Represent a share of ownership. Stock investing involves risk, including possible loss of principal.

Trust – A fiduciary relationship in which one party, known as a trustor, gives another party, the trustee, the right to hold title to property or assets for the benefit of a third party, the beneficiary.

Living Trust – A trust that is in effect during the trustor’s lifetime.

Introducing Guided Wealth Portfolios

Jax Federal Investment Services is excited to announce a new advisor-enhanced online investment platform called Guided Wealth Portfolios (GWP). GWP is designed to provide you with automated money management along with access to our advisor team. The new service...

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The Jax Federal Investment Services Team is Growing

Meet the Team: We are proud to introduce our newest LPL Financial Advisor, Thomas Langer, who will be based at our Mandarin Branch. With the addition of Thomas, the credit union expands the Investment Services Team of Vance Walker and Susie Clauson to support the...

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Disclosures

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Jax Federal Credit Union and Jax Federal Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.

Not NCUA InsuredNot Credit Union GuaranteedMay Lose Value

 

This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financial's U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the Jax Federal Credit Union.

T. Vance Walker, AWMA, LPL Financial Advisor, Director of Investment Services
904-475-8261 | 800-443-2664 | email vance.walker@lpl.com

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