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Ada, Oklahoma 74820 
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It May Be Time for a Financial Checkup How to Bake a Pie-R-A Forecast Retirement Redefined

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! 

Helpful Content

Where Will Your Retirement Money Come From?

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

“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 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.

 

Protecting Your Business from the Loss of a Key Person

Business owners may be able to protect themselves from the financial consequences of losing a key employee.

The Utility of Sector Investing

Successful sector investing is dependent upon an accurate analysis about when to rotate in and out.

Password Protection Strategies

Simple steps may help you foil hackers and protect your privacy.

A Decision Not Made Is Still a Decision

Investors who put off important investment decisions may face potential consequence to their future financial security.

Global vs. International: What’s The Difference?

International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.

Systematic Withdrawals in Retirement

Taking regular, periodic withdrawals during retirement can be quite problematic.

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My Retirement Savings

Estimate how long your retirement savings may last using various monthly cash flow rates.

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.

Comparing Investments

This calculator compares the net gain of a taxable investment versus a tax-favored one.

Comparing Mortgage Terms

Estimate the total cost in today's dollars of various mortgage alternatives.

How Much Home Can I Afford?

With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.

Assess Your Life Insurance Needs

This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.

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Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

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The Fed and How It Got That Way

Here is a quick history of the Federal Reserve and an overview of what it does.

How to Bake a Pie-R-A

Roth IRAs are tax advantaged in a different way from traditional IRAs.

Surprises

Making the most of surprises is a great reason to work with us.

An Arm and a Leg

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.

Raise Your Retirement Income

Retirees look for ways to convert savings and investments into regular income. One option to consider is an annuity.

The Rule of 72

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.

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