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!
Making Sense of U.S. Household Net Worth
A look inside the U.S. government's statistics on household net worth.
Understanding Marginal Income Tax Brackets
An inside look at how marginal income tax brackets work.
The Power of Tax-Deferred Growth
Why are 401(k) plans, annuities, and IRAs so popular?
Combating counterfeiting remains core to preserving the integrity of the nation’s money.
One way to find money is to examine your current spending habits and eliminate money wasters.
Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?
This worksheet can help you estimate the costs of a four-year college program.
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
Each year hundreds of children die or are injured in pool accidents. By taking seven steps, you can keep your pool safe.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
This calculator can help you estimate how much you should be saving for college.
Determine your potential long-term care needs and how long your current assets might last.
This calculator may help you estimate how long funds may last given regular withdrawals.
Assess whether you are running “in the black” or “in the red” each month.
This calculator compares the financial impact of leasing versus buying an automobile.
There are some key concepts to understand when investing for retirement
The chances of needing long-term care, its cost, and strategies for covering that cost.
Using smart management to get more of what you want and free up assets to invest.
A presentation about managing money: using it, saving it, and even getting credit.
Investment tools and strategies that can enable you to pursue your retirement goals.
There are a number of ways to withdraw money from a qualified retirement plan.
Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.
In life it often happens that the answers to our most pressing questions are right in our own backyards.
Even low inflation rates can pose a threat to investment returns.
Smart investors take the time to separate emotion from fact.
Taking your Social Security benefits at the right time may help maximize your benefit.
There are three things to consider before dipping into retirement savings to pay for college.