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Everwise Investment Services

Investment Services

Investment options that help you feel confident for what’s next.

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Your goals aren’t one-size-fits-all. Your plan shouldn’t be either.

Wealth Management

Build a portfolio designed for your future.

  • Personalized wealth guidance 
  • Broad range of investment options 
  • Tools to help you stay on track
Connect with us

Retirement Planning

Plan today for the retirement you want tomorrow.

  • Traditional and Roth IRA options 
  • Guidance tailored to your goals 
  • Strategies for income and withdrawals
Connect with us

College Planning

Start saving for their future today.

  • Tax-advantaged savings options 
  • Automatic contribution tools 
  • Simple online fund management
Connect with us

403b for School Employees

Supplement your pension with tax-deferred savings.

  • Invest through payroll contributions 
  • Choose from multiple fund options 
  • Taxes deferred until withdrawal
Learn more

Investment Account Logins

From managed accounts to 403b plans, find your one-click access here. 

Log In by Investment Type

Fixed Annuities

Designed for more conservative investors close to retirement.

Fixed Annuity 4.95%* 3-year guarantee period

Fixed Annuity 5.30%* 5-year guarantee period

Resources

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Retirement & Investing

All you need to know about non-deductible IRAs.
Older couple reviewing investments
General Investing

IRA Types and Contribution Limits
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Retirement & Investing

2026 tax rates, schedules, and contribution limits

* These rates are as of June 8, 2026, for premiums of $100,000 or more, are for new applications only, and are subject to change at any time. Products are offered through Delaware Life Insurance Company, www.delawarelife.com, which is unaffiliated with Everwise Investment Services. Renewal rates may be different than those listed.

In the first contract year interest credited or required minimum distribution (RMD, if greater may be taken without a surrender charge or market value adjustment. In the second contract year and thereafter 10% of the most recent contract anniversary value, or RMD, if greater may be taken without a surrender charge or market value adjustment. The taxable portion of any withdrawal is taxed as ordinary income. In a nonqualified plan, since it is funded with after‐tax money, only the earnings portion of any withdrawal is taxed as ordinary income. Withdrawals made before age 59½ may be subject to an additional 10% federal tax penalty.

Annuities are long-term financial vehicles designed for retirement purposes. These policies may not be available in all states, and product features vary by state. Surrender value will not be less than the minimum value required by your state. Terminal Illness and Nursing Home waivers may not be available in all states. Apex MYGA® has age eligibility requirements, minimum premium amounts, systematic withdrawal limits, and qualifying requirements for waiver of withdrawal, and surrender charges. For more details, including limitations and exclusions, ask your financial professional or refer to the Apex MYGA® contract.

There is no additional tax benefit to purchasing an annuity within a qualified retirement plan. If you choose to purchase an annuity in a qualified retirement plan, you should do so for reasons other than tax deferral, such as the features and benefits of the annuity.

Annuities are issued and guarantees are backed by the financial strength and claims-paying ability of Delaware Life Insurance Company (Zionsville, IN).

Products, riders, and features may vary by state, and may not be available in all states. This material may not be approved in all states. Ask your financial professional for more information.

This communication is for informational purposes only. It is not intended to provide, and should not be interpreted as, individualized investment, legal or tax advice. To obtain such advice, please consult with your investment, legal or tax professional.

Delaware Life Insurance Company is authorized to transact business in all states (except New York), the District of Columbia, Puerto Rico, and the U.S. Virgin Islands.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Everwise Investment Services and Everwise Credit Union (Everwise)are not registered as a broker-dealer. Registered representatives of LPL offer products and services using Everwise Investment Services, and may also be employees of Everwise. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Everwise or Everwise Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value 

Your credit union ("Everwise Credit Union") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay Everwise Credit Union for these referrals. This creates an incentive for Everwise Credit Union to make these referrals, resulting in a conflict of interest. Everwise Credit Union is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/content/dam/lpl-www/documents/disclosures/lpl-financial-relationship-summary.pdf for more information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

LPL Financial Form CRS.