SPC Financial Planning Services
SPC Financial Planning Services is a personal wealth management service made possible by our agreement with Coble Wealth Management, LLC, located at 146 East Carolina Avenue, Hartsville, SC.
Led by John R. Coble, III, Coble Wealth Management has over 40 years of experience in financial planning and services. While developing a customized financial program, John will walk you through a step-by-step process that will help you understand a variety of insurance and investment solutions and feel confident in your decisions.
- Investment Management
- Retirement Strategies
- Insurance and Annuity Products
- Estate Planning
- Tax Management
Your no-cost, no obligation consultation will provide financial solutions for you and your family. Whether you are looking for guidance on one financial issue or putting together a comprehensive plan, Coble Wealth Management is conveniently located to meet your needs.
Investment products and services are offered through Coble Wealth Management, LLC. Securities and insurance are not federally insured. May involve investment risk and may lose value. Are not deposits of, or guaranteed by SPC Credit Union, NCUA (National Credit Union Administration), NCUSIF (National Credit Union Share Insurance Fund) or FDIC (Federal Deposit Insurance Corporation).
A Share Certificate is an investment instrument designed to help those who do not require immediate access to funds to take advantage of higher rates of return on their investments. SPC Share Certificate dividends are competitive with rates in the Certificate of Deposit market. Share Certificates are available with maturity dates of 6, 12, 18, 30 or 48 months.
Individual Retirement Accounts
SPC IRAs help members prepare for a comfortable, financially secure retirement. Members may be able to shelter a portion of current earned income from Federal taxes until the year that the funds are withdrawn. As an added benefit there is no service fee for SPC IRAs. IRAs are insured separately to $250,000 by the National Credit Union Administration.
SPC offers Traditional, Education, and Roth IRAs. We also offer several types of investment options including a fixed IRA share certificate and a variable rate IRA share account.
Deposits to IRAs may be made by payroll deduction, cash, deposit, or transfer from other credit union accounts. As with all of SPC's savings accounts, dividend rates are competitive.
The IRS may penalize early withdrawals from an IRA. SPC does not penalize for early withdrawals from a variable rate share IRA account. Please consult your tax advisor for specifics on deductibility and tax consequences of all IRA accounts.