Financial product

Personal investment account

A non-retirement investment opportunity.

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Personal investment accounts present investment opportunities outside our 403(b) and IRA programs.

What is a personal (nonretirement) investment account?

It’s a way to invest your money outside of a retirement account without using a cash account such as savings, checking, or certificates of deposit. It can be registered in just your name or opened jointly with anyone.

Where would I get the money to invest in the account?

If you have a windfall of cash, an inheritance, proceeds from the sale of a property, required minimum distributions, or extra income you won’t need (for example, perhaps you don’t need to use the cash within the next five years or longer), a personal investment account might be for you. You may also use current holdings in a brokerage account depending on capital gains consequences.

How could this benefit me and my family?

There are three tax benefits to these types of investments.

  1. Pay income taxes at the lower capital gains rate on qualified dividends rather than ordinary income tax on interest income.
  2. Pay as you go on the earnings of your investments.
  3. For your heirs, there will be a “step-up in basis” to your date of death, which is the readjustment of the total value for tax purposes upon inheritance. The result is that your beneficiaries’ capital gains taxes are minimized.

What are my investment choices?

WEA Financial Advisors, Inc., will manage allocation models suitable to your tolerance for risk. The five models range from conservative to aggressive and use our current list of vetted mutual funds and exchange-traded funds (ETFs). We will NOT charge any additional fees for managing your account.

Why should I choose Member Benefits?

You already know us. Plus, the personal investment account will have a low maintenance fee of 0.35% annually on the balance of your account. There will be no other fees like broker’s commissions, management fees, or confusing annuity riders—just the one fee. (Mutual fund operating expenses will still apply.)

How do I open an account?

Contact us at 1-800-279-4030, Extension 6730 or weafa@weabenefits.com.