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We believe that the number one service we provide is the education, advice, and guidance that will help your retirement planning truly take shape. We pride ourselves on being accessible to all of our clients and we stay in touch with the individuals and small businesses we serve.
We have relationships with several companies that allow us to offer our clients a wide variety of investment and protection vehicles. We may recommend a number of different types of investment and insurance products for you. Some of the most common products we work with are:
Mutual Funds are a collection of stocks, bonds, or other securities purchased and managed by an investment company with funds from a group of investors. The return and principal value of mutual funds fluctuate with changes in market conditions. Shares, when sold, or redeemed, may be worth more or less than their original cost. You should always review the prospectus (which spells out the fund’s investment objectives, risks, charges and expenses, along with information about the investment company) carefully before deciding whether to invest in a mutual fund.
Also called a wrap account, an individually managed account is one in which an investment professional manages and monitors an investor’s portfolio on his/her behalf. The goal of an IMA is to provide individual investors with access to the benefits of portfolio diversification, professional management and administrative control.
A variable annuity is an insurance contract in which the insurance company may guarantee a minimum payment back to the contract’s owner at some point in the future. You may place your funds with an insurance company and you choose how the money will be invested from a pre-selected list of funds (these funds are called sub-accounts inside of a variable annuity), which can range from aggressive stock funds to conservative bond funds. Payments back to the contract’s owner will vary depending on how the investment vehicles have performed. In a fixed annuity, generally, the amount credited to the contract during the accumulation phase is a current rate determined by the insurance company and guaranteed not to be less than a minimum rate specified in the contract. When income payments at regular intervals are taken out of the annuity, the amount of the payment is fixed according to the annuity schedules set forth in the contract. Optional riders can add or modify the benefits available under fixed and variable annuities.
Most people understand the concept of life insurance – it is an insurance policy that, upon the death of the insured, would pay out proceeds to named beneficiaries. There are many different types of life insurance available, and the one that is best for you will depend on a number of factors.
A group retirement plan is any investment plan that is sponsored by a company or organization as a way for employees to save in a tax-deferred environment for their retirement. Replacing the pension, group retirement plans might be offered to employees and often the company will contribute additional funds (an employer match) to the savings. Each employee determines how his or her money is invested and has the right to place that money with another retirement investment plan at any time. Group retirement plans may be referred to as a 401(k), a 403(b), an ESOP, for example, dependent on the structure of the plan.
Long-term care is an insurance product that helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care are generally not sick in the traditional sense, and may be at home or in an institutional setting, and they require assistance in order to perform the basic activities of daily living such as dressing, bathing and eating, for example.
Mutual funds, variable products, and registered products are sold only by prospectuses, which can be obtained through your registered representative. Before investing, investors should read and consider carefully the fund or product prospectus and, where applicable, any underlying fund prospectuses. The prospectuses contain more complete information about investment strategies, fees, charges, risk factors and other factors that my apply. As with any investment, investing in mutual funds and variable portfolios/subaccounts involved risk, including possible loss of principal. Past performance is no guarantee of future results.
Withdrawals from annuities, whether a fixed or variable annuity, may reduce benefits and be subject to surrender charges (contingent deferred sales charges). Withdrawals also may be subject to ordinary income tax and, if taken prior to age 59 1/2, a 10 percent federal tax penalty. Annuities are not insured or guaranteed by the FDIC or any other government agency. Annuity guarantees are based upon the claims-paying ability of the issuing insurance company.
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