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!
Should You Ever Retire?
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
How Income Taxes Work
A quick look at how federal income taxes work.
A House Divided
By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls.
As our nation ages, many Americans are turning their attention to caring for aging parents.
Term insurance is the simplest form of life insurance. Here's how it works.
Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities.
There are other ways to maximize Social Security benefits, in addition to waiting to claim them.
Gaining a better understanding of municipal bonds makes more sense than ever.
Being healthy not only makes you feel good, it may also help you financially.
Estimate your monthly and annual income from various IRA types.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Use this calculator to better see the potential impact of compound interest on an asset.
Enter various payment options and determine how long it may take to pay off a credit card.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
Learn more about taxes, tax-favored investing, and tax strategies.
A presentation about managing money: using it, saving it, and even getting credit.
The importance of life insurance, how it works, and how much coverage you need.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Principles that can help create a portfolio designed to pursue investment goals.
Using smart management to get more of what you want and free up assets to invest.
Have you found yourself suddenly single? Here are 3 steps to take right now.
Here are five facts about Social Security that might surprise you.
A special needs trust helps care for a special needs child when you’re gone.
In life it often happens that the answers to our most pressing questions are right in our own backyards.
The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.
Are you ready for retirement? Here are five words you should consider.