Welcome to Our Website!
My name is Patricia (Patty) Laramore. I am the President of Premier Investment Advisory Services, Inc., earned my Certified Financial Planning designation in 1987 and both my Investment Adviser Representative designation and Insurance Agent license in 1988. I hope you enjoy learning more about us while reviewing our website!
Our site is filled with educational videos, articles, presentations, and calculators designed to help you learn more about the world of personal finance. As you search my website, send me a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.
We invite you to think of us as Your Partner on the Path...
We feel those words truly express the heart of this investment advisory practice. If you think of your retirement journey as a lifelong road trip, the following is true: it's easy, relaxing, and even fun to drive on a smooth road. When there are no bumps, but rather a quiet and undemanding ride, we can fully enjoy the scenery. It's those unexpected curves, steep roadside drop-offs, construction zones, and traffic jams that sometimes tempt us to bail and seek a different route. In most cases, changing routes adds unnecessary time to our travels and delays our arrival. Carefully calibrated portfolios anticipate some turbulence and pit stops in our investment journey. We don't always know when we'll hit a pothole or feel the need to pull into a rest stop, but we know it will eventually arise, so we build such allowances into portfolio construction strategies. The truth is it's just easier to stay committed to a plan when the market is moving higher, but it is every bit as important to stay balanced and focused in our tenacity and investment discipline when fun isn't in the equation. We'll advise when it's time to tighten our seatbelts when the ride gets scary!
Where Will Your Retirement Money Come From?
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
“Dirty Dozen” Tax Scams to Watch For
Every year the IRS releases its list of tax scams, spotlighting some ways that people try to separate you from your money.
The Good Ship IPO
The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.
Business owners may be able to protect themselves from the financial consequences of losing a key employee.
Successful sector investing is dependent upon an accurate analysis about when to rotate in and out.
Simple steps may help you foil hackers and protect your privacy.
Investors who put off important investment decisions may face potential consequence to their future financial security.
International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.
Taking regular, periodic withdrawals during retirement can be quite problematic.
Estimate how long your retirement savings may last using various monthly cash flow rates.
Assess whether you are running “in the black” or “in the red” each month.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Estimate the total cost in today's dollars of various mortgage alternatives.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
There are a number of ways to withdraw money from a qualified retirement plan.
The importance of life insurance, how it works, and how much coverage you need.
Learn more about taxes, tax-favored investing, and tax strategies.
A presentation about managing money: using it, saving it, and even getting credit.
Using smart management to get more of what you want and free up assets to invest.
There are some key concepts to understand when investing for retirement
Here is a quick history of the Federal Reserve and an overview of what it does.
Roth IRAs are tax advantaged in a different way from traditional IRAs.
Making the most of surprises is a great reason to work with us.
A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.
Retirees look for ways to convert savings and investments into regular income. One option to consider is an annuity.
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.